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Chicago USAA Auto Injury Claims Lawyers

Were you recently involved in an auto accident involving a USAA insured and have sustained injuries? If so, the Chicago car accident attorneys at Rosenfeld Injury Lawyers LLC remain committed to protecting victims' rights like you who were injured by others' negligent actions.

Our experienced Chicago personal injury lawyers fight aggressively on behalf of our clients to ensure they receive full financial compensation for their injuries. If you need a lawyer following an Illinois auto accident with a USAA insured policyholder, contact our offices today at (888) 424-5757 to schedule a free initial case review.

USAA Auto Insurance Car Accident Injury FAQs

Below are some frequently asked questions related to auto injury claims with USAA Insurance. We appreciate that you may have additional questions about your situation, we welcome you to contact our Chicago, IL car accident attorneys for a free consultation regarding your legal options.

Will My Auto Insurance Costs go up if Someone Hits Me?

Typically, no, if another person's negligence was responsible for the collision, their rates might increase after filing a compensation claim, not yours.

However, if you have a series of hit-and-run accidents and your insurance company continues to payout your claims, they might demand that you provide documentation detailing precisely what happened and when.

What Should You not say to an Insurance Adjuster?

An insurance adjuster working for the policyholder's insurance carrier will look for any possible avenues to reduce the compensation they offer to resolve the case. Make sure that your answers are as concise and short as possible.

Do not provide any more information than asked for and decline to speak about anything when you have no correct answers. Giving the adjuster an inaccurate or embellished statement might alter the amount of financial compensation you received.

What is the Average Settlement for a Car Accident With Injury?

According to researchers, victims receive an average compensation payout of approximately $150,000 if the crash involved moderate injuries. Motor vehicle accident victims suffering from serious injuries can collect upwards of $350,000 or more.

Accidents with severe injuries tend to resolve for approximately $740,000 or less. Extreme injuries and wrongful death cases could settle for upwards of $1.9 million or more where the at-fault driver is held financially accountable for negligence.

How do You Talk With an Insurance Adjuster?

While claims adjusters are hired to settle claims, they are also trained to make lowball offers significantly lower than the case's actual value. If you received a lowball offer, refuse to accept it.

Make a counteroffer detailing exactly how much your case is worth, emphasizing the extent of your injuries, the amount of property damage you have endured, and the emotional pain that you suffer. Be sure that your counteroffer is in writing.

Finally, if the insurance company does not accept your counteroffer, consider hiring a personal injury attorney specializing in car crashes and insurer's 'bad faith' offers.

Do You Call Your Insurance Company or the Other Party?

If you are physically able, you must report the accident to your insurance company and ensure that a police report has been filed. Your insurer will ask you for the police report number or make you obtain a copy to submit with your claim.

If you are the victim of a hit-and-run accident, you can still file an uninsured motorist claim with your insurance carrier under your policy's liability insurance coverage. The amount they pay will likely be based on the policy limits.

How do I get the Most Money From a Car Accident?

You must take specific steps after an accident to ensure that you receive maximum compensation for your damages. Immediately following the crash, remain at the accident scene and call the police/EMT to report what happened.

If possible, gather information from other drivers and eyewitnesses. Be sure that the ambulance transports you to the nearest emergency room or urgent care center for an accurate diagnosis, even if you believe you are not injured.

Be sure to report what happened to your insurance carrier, and maintain accurate bills of your hospital expenses, medical costs, lost wages, and property damage repair. Also, note the extent of your injuries and take photographs of cuts, bruises, broken bones, deformities, and scars to support your compensation claim.

Finally, be sure to follow doctor recommendations and never missed an appointment. Your medical records will support your claim to recover damages.

Background on USAA Insurance Company

As a Fortune 500 financial service company, USAA (United States Automobile Association) provides services primarily to U.S. military service members, retirees, and their families. First launched in 1922, USAA now offers vehicle insurance, home insurance, and whole and term life insurance along with financial planning services, investments, banking, and annuity opportunities.

The insurer now has over ten million members generating tens of billions of dollars every year in revenue. In the 1980s, the company established a bank for members that can be accessed online, in person, or over a smartphone.

Filing a Chicago Car Accident Claim With USAA

Unlike most major insurance companies, USAA does not use agents to resolve filed complaints, but instead does all their business over the Internet, by phone or mail.

Many consumers have complained of the lack of the company's personal touch, leaving them to feel at the mercy of claims adjusters who take too long to respond to the victim's immediate need for answers. However, the process of filing a claim is straightforward.

If you are involved in an auto accident with a USAA policyholder, there are specific steps you should take quickly after the crash occurs, including:

  • After the collision, protect yourself and passengers in the vehicle by moving off the road if possible to safeguard from moving traffic
  • Turn on the vehicle's hazard lights and call 911 for police assistance and immediate medical attention, even if you believe that no one in your car or other vehicles suffer from severe injury or internal damage. You have just experienced a car accident, and your adrenaline is soaring, which could be masking the pain, discomfort, or injuries you will likely become aware of in the hours or days ahead.
  • Photograph the scene of the accident and property damage to your vehicle
  • Once the emergency medical technicians (ambulance) arrive at the scene, request to be taken to the hospital or closest emergency room as quickly as possible.
  • You are not required to give your side of the story to the police officer at the accident scene if you are being transported for medical care. If the police officer filing the report asks you to give a written or oral statement, whether on the accident scene or at the hospital, tell them you will provide a response when you are out of harm's danger.
  • Contact an attorney to help you formulate your thoughts on protecting your rights to seek compensation if you suspect or believe the other party is at fault for causing the crash.
  • You will have to exchange contact information, vehicle registration, and insurance info, if possible, with all other parties involved and the law enforcement officer filing the report.

If possible, contact a friend or family member to take photographic evidence of the accident scene and all property damage. Covering your bases by gathering evidence could be crucial to your case and help minimize future problems.

Your attorney will want information on what happened, including the time of the collision, current weather and road conditions, and the estimated velocity that the vehicles were traveling when the crash occurred.

Likely, the police will prepare the report by gathering witness testimony from others at the accident scene. The collected information will be necessary to help you build your case to prove your side that the other driver was at fault for your injuries and damages. This evidence will substantiate the facts of your personal injury claim during the negotiation process for settlement or when taking your case to trial.

What You can Expect With USAA Claims Handling

Before the insurance company assumes responsibility for paying a bodily injury claim for a car accident, they will send out investigators to gather evidence, speak to witnesses, review the police report and your medical records. The facts and evidence will help determine the extent of your injuries and who is at fault.

USAA, like all insurance carriers, including GEICO, Allstate, State Farm, and USAA, is more concerned with satisfying the financial requirements of their shareholders over providing compensation to victims required in the insurance policy coverage agreement.

Additionally, the car insurance adjuster will go to great lengths using proven strategies and tactics to minimize the amount of compensation you receive. In the days immediately following the crash, you will likely receive a call from the adjuster stating they are interested in closing the case quickly by offering you an accident settlement check.

However, our legal team advises our clients to avoid speaking to the claims adjuster and providing any written or oral account of what happened. We recommend never signing any document or accepting the settlement offer check without first speaking with an attorney specializing in vehicle accident cases.

Typically, the automobile insurance company will offer a low settlement offer to gauge your response and determine if you understand how the process works. Instead, have your lawyer talk to USAA on your behalf and handle every aspect of your case to ensure your family receives all financial compensation available for your case.

If the adjuster or insurance carrier asks you to sign a medical release or employee record release, contact your attorney immediately before agreeing to sign anything. Typically, insurers will use the information you provide as a weapon against you to minimize your case's worth or deny your claim outright.

The insurance company might use your ongoing medical conditions or previous medical problems to discredit your claim that you have suffered an injury in the accident.

This information could cause considerable damage, especially if you have been previously treated for psychiatric problems or other medical issues, including back problems, whiplash, or concussions. Talk to your lawyer to avoid this dangerous pitfall.

Hiring a Chicago Car Accident Attorney to Handle Your USAA Insurance Auto Injury Claim

Were you harmed in a vehicle accident and suffered injuries, property damage, or lost a loved one that was caused by others? If so, contact our law office today at (888) 424-5757 (toll-free phone call) to discuss your legal options and rights and secure monetary recovery for your losses.

Our law firm has extensive experience representing people injured in Chicago auto accidents. We accept all personal injury cases and wrongful death lawsuits through a contingency fee agreement.

This arrangement will postpone your payment of all our legal services until after we have successfully resolved your case to a jury trial award or negotiate it out of court settlement. We offer every client a "Know When/No-Fee" Guarantee, meaning if we cannot secure compensation on your behalf, you owe us nothing.

Time is of the essence. Speak with a car accident lawyer in our office before the state statute of limitations expires in your case. All discussions about your insurance claim with our law firm remain confidential through an attorney-client relationship.


Read what the people we have helped have to say!

“Working with the team at Rosenfeld injury lawyers was the first time I had ever hired an attorney to handle my legal problem. My entire family was involved in a crash with a commercial truck while driving home one afternoon. Fortunately, none of us were seriously injured but our car was totaled. At first, I thought I could handle the case without assistance believing hiring a lawyer would cause too much and complicated issues. However, Jonathan was extremely helpful in discussing how he could help my family at every step of the legal process to make sure our rights were always protected. His law firm provides excellent customer service and his staff This fully informed at all times. Fortunately, he negotiated a settlement amount that far exceeded my expectations to pay for all our medical bills, my daughter’s physical therapy and the replacement of our damaged vehicle. I highly recommend Mr. Rosenfeld and his legal team for anyone facing the same situation and am extremely grateful I made the call to have them handle my case.”

Robert S. – Moline, Illinois

“I was recently in involved in an automobile accident that was not my fault but left me with serious injuries and financial problems. After my release from the emergency room, I was totally confused about what I was supposed to do. We friend recommended Mr. Rosenfeld and his attorneys he had been treated with compassion by Jonathan’s law firm who handled the entire case. His law firm is everything I could have hoped for in legal representation because they never stop fighting for me until I got the money I deserved.”

Deborah M. – Chicago, Illinois

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Client Reviews
Jonathan Rosenfeld was professionally objective, timely, and knowledgeable. Also, his advice was extremely effective regarding my case. In addition, Jonathan was understanding and patient pertaining to any of my questions or concerns. I was very happy with the end result and I highly recommend Jonathan Rosenfeld. Michonne Proulx
Extremely impressed with this law firm. They took control of a bad motorcycle crash that left my uncle seriously injured. Without any guarantee of a financial recovery, they went out and hired accident investigators and engineers to help prove how the accident happened. I am grateful that they worked on a contingency fee basis as there was no way we could have paid for these services on our own. Ethan Armstrong
This lawyer really helped me get compensation for my motorcycle accident case. I know there is no way that I could have gotten anywhere near the amount that Mr. Rosenfeld was able to get to settle my case. Thank you. Daniel Kaim
Jonathan helped my family heal and get compensation after our child was suffered a life threatening injury at daycare. He was sympathetic and in constant contact with us letting us know all he knew every step of the way. We were so blessed to find Jonathan! Giulia
Jonathan did a great job helping my family navigate through a lengthy lawsuit involving my grandmother's death in a nursing home. Through every step of the case, Jonathan kept my family informed of the progression of the case. Although our case eventually settled at a mediation, I really was impressed at how well prepared Jonathan was to take the case to trial. Lisa