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Filing With USAA After A Car Accident In Louisville KY

Kentucky is proud to be home for servicemen and servicewoman and their families who serve at Fort Campbell and Fort Knox and in other facilities across the state. The USAA insurance firm also honors their commitment to their country by only focusing coverage on military members and eligible relatives.

You don’t have to be enlisted in the military to have reason to deal with USAA. You may be in a collision caused by a USAA policyholder and find yourself having to rely on USAA in the hopes of getting compensation for your injury.

USAA enjoys a great reputation for its work with the U.S. military, but in the case of accident injury coverage, you may find that they use some of the same tactics that other big insurance firms use to withhold coverage from victims in need.

USAA Liability Claims for Kentucky Accident Victims

You weren’t to blame for your accident, but you may feel like it when going to the at-fault driver’s insurance agents to seek compensation.

You may be drowning in hospital bills and struggling to get your monthly utility bills covered all while your losing paychecks from missed time at work. Your situation can get desperate pretty quickly and USAA adjusters know that. They can turn this mounting debt and coming financial crisis to their advantage.

Here are just a few things bigger insurance firms like USAA won’t tell victims:

  • Upcoming deadlines: Kentucky state laws and statutes of limitations may be ready to restrict your chances of earning compensation for your injury. USAA agents won’t be informing you of these approaching cutoff dates. A Louisville attorney with Kaufman & Stigger, PLLC, can make sure your claim for damages is filed correctly and in time. Your attorney can also use these deadlines against an insurance company to benefit you.
  • Send you into a maze of USAA agents: Leave it to a national insurance company to streamline the claims process in their own favor. They’ll almost always direct your claim to a giant pool of inexperienced customer service reps who will guide you on a pre-written path to lowball settlements. You’ll never talk to the same person twice. An attorney can lead you out of this maze. In fact, you won’t have to talk to USAA at all. Your legal representation should handle all communication and the first thing they’ll do is request a dedicated insurance adjuster for your case who is authorized to offer you much more in compensation.
  • Won’t tell you why they want a statement: After your accident, you can expect a call from a USAA agent. They’ll tell you the call is recorded and ask you to answer some questions. They will try to steer you into saying something that helps take some blame away from their policyholder. Don’t step into this trap. Politely decline and let a local attorney do the rest of the talking when USAA wants information.
  • Won’t inform you of compensation possibilities: After an accident with injuries, you can earn compensation for more than just hospital bills. You can also get reimbursed for your lost wages at work. Any missed time at work or medical expenses expected in the future can also factor into a claim.  Your travel expenses from visiting out of state medical experts and local doctors and counselors can be claimed. Your physical and emotional pain since your accident may also be enough to increase the compensation you receive significantly. The stress and strain on your family can also be factored in. An attorney will think of everything to include when you file your claim. Many things you haven’t thought of.

For details on how other insurance companies handle car accident cases and how you can beat them click here.

Dividing Blame in Kentucky Car Accidents

You may be completely innocent in your crash. Another driver may have clearly endangered you and others with his or her actions. Yet, USAA may still try to pin the blame on you to see if they can get the compensation they’ll owe you knocked down.

An attorney will have police reports, your photos from the day of the accident, and witness testimony and other documents at the ready to prove you had no liability in your injury.

If you are forced to accept some blame for your accident, it doesn’t mean you lose all chance at compensation. Kentucky operates under the concept of pure comparative negligence in car accident cases. It means that drivers can divide up the blame for an accident.

You might have to accept a small percentage of the fault for your collision, but the other driver may have committed a traffic violation and has to take a much bigger percentage of the liability. You could still get a sizable compensation award from USAA but it would be reduced by whatever your portion of the blame ends up being.

Contact a Louisville Car Accident Attorney

Accident victims often wonder if they need an attorney, and the answer is almost always yes. The insurance company agents have years of experience and are good at their job which is to pay you as little as possible or nothing at all. You need someone just as experienced to help you level the field against a company like USAA. Talk to someone you can trust to be on your side and fight for your fair compensation

The attorneys at Kaufman &  Stigger, PLLC, have that knowledge and a combined 100 years’ experience in helping clients get the compensation they’ll need to fully recover. To discuss your case contact Kaufman & Stigger, PLLC today.

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