USAA is an incredibly large insurance company, with approximately 12.8 million members. USAA is a major player in the auto insurance business, and they are focused on insuring members of the US Armed Forces and their family members. This is a company that prides itself on caring for its members, claiming that those they insure are “members for life!” on their commercials. Unfortunately, USAA has been using deceptive practices when it comes to paying settlements to their clients. The Billings USAA claim denial attorneys at Heenan & Cook, PLLC are ready to help.
USAA Is NOT a Non-Profit Entity
While emphasizing its military connections, USAA makes it seem like they are some sort of charity. However, please understand that USAA is a for-profit company, just like any other insurance carrier. As such, they make money by taking in premiums from their clients and paying out as little as possible on insurance claims.
USAA Adjusters Have Tricks to Limit Payouts
In order to maximize profits, USAA claims adjusters will use several tricks to limit the amount they pay in a settlement. Clients need to know that insurance adjusters are not their friends, though they will make you think as much. They want you to trust them into thinking they know what is best for your claim. They could gain your trust in order to get you to open up about information pertaining to who was at fault in the accident or to the severity of your injuries.
A USAA claims adjuster may try to get you to agree to give a recorded statement (which you do not have to give). They will then use anything you say in your statement against you if it benefits them. An adjuster may casually ask when you realized a crash was about to happen in order to get you to admit fault or find a way to get you to admit you are not seriously injured.
USAA Delays Claims
In the aftermath of a car accident, watching medical bills pile up can be stressful. If you cannot work while you recover, your lost income could put you and your family into financial jeopardy. That is why many people want their insurance settlement as quickly as possible and a USAA claims adjuster will use this to their advantage. They may try to get you to accept a low-ball settlement offer that is well below what you should be receiving for your case. They are betting on the fact that you want at least some cash right away. However, if you sign a settlement offer with USAA, that means you will receive no more than what they have said you should get and you will not be able to file a lawsuit to recover more compensation.
USAA Makes Unfair Settlement Offers
Insurance adjusters with USAA are notoriously infamous for making low settlement offers. However, car accident victims will not know the full extent of their damages until they have reached maximum medical improvement (MMI). This could take months after an accident takes place. An insurance adjuster will push for an early settlement in order to avoid paying the total costs of your medical bills.
What Kind of Compensation Are You Entitled To?
If you or somebody you care about is struggling to obtain a fair settlement with USAA, seek legal assistance as soon as possible. At Heenan & Cook, PLLC, we have a team that is ready to help handle your claim for you. Not only are we aware of the practices used by USAA insurance adjusters, but we are skilled negotiators and will fight to ensure you receive maximum compensation for your claim. When you need a Billings USAA claim denial attorney, you can contact us for a free consultation via our online form of your case by clicking here or by calling (866) 601-6135.