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If you have been injured in a car accident, you may have to work with an insurance company. When dealing with USAA insurance accident claims in Pittsburgh, you have a right to hire a personal injury lawyer from Berger and Green. While insurance adjusters value saving money, we prioritize your needs.
The claims process at USAA, as well as other insurance companies, may involve:
Some claims take longer than others, especially if the accident was complicated, involves multiple parties, or includes conflicting accounts. Ostensibly, adjusters want to get to the truth, but they ultimately represent a business, which can create conflict with victims.
In order for you to avoid dealing with such a conflict in addition to dealing with your medical management, a personal injury lawyer can be your advocate, taking over communication and negotiation. In fact, we can investigate independently to confirm the facts and support your claim.
USAA uses a software program called Colossus to analyze your claim, evaluating the main categories of compensation:
As you can imagine, nuance can be lost in this process, prompting USAA to underestimate your treatment and compensation. In other words, insurance companies tend to reduce victims to numbers that don’t accurately reflect an accident’s aftermath.
If USAA’s analysis doesn’t feel right, you don’t have to accept it. The team at Berger and Green can take a more comprehensive look at the accident’s impact and fight for what you deserve.
If your USAA insurance claim is for an automobile accident in Pittsburgh, you will be subject to Pennsylvania’s insurance laws (75 Pa. C.S.A. § 1705). Motorists must carry either:
With full tort, you preserve your right to sue an at-fault party for non-economic losses such as pain and suffering, emotional distress and loss of life’s pleasures resulting from a collision in addition to your economic (out of pocket) losses, regardless of whether or not you have sustained a serious injury or disfigurement or the death of a loved one.
Through either negotiation or a lawsuit, you may obtain damages for pain and suffering, as well as medical costs and lost income with full tort coverage.
By contrast, with limited tort, you can recover only your economic (out of pocket) losses such as medical expenses or income loss unless you have sustained a serious injury or disfigurement or the death of a loved one.
Only when you have sustained a serious injury or disfigurement or the death of a loved one, can you recover non-economic losses such as pain and suffering, emotional distress and loss of life’s pleasures.
You should also be aware that there are instances when the limited tort restrictions on damages do not apply, such as when you are hit by a drunken driver. A Berger and Green auto accident lawyer can help you explore whether any exceptions apply.
Thus, you may have to deal with USAA if:
Some accident victims believe they can’t contact a lawyer until they are already facing problems with an insurance company. In reality, you should consult us immediately after an accident.
Our Pittsburgh, Pennsylvania injury lawyers can help with:
Sometimes consulting a lawyer can nudge an insurance company to negotiate and settle. Other times, we need to put up a fight. Either way, Berger and Green will work for you.
After a minor accident, the other party may try to convince you not to report the crash. No one enjoys the process of filing a police report; you may feel it’s not worth the hassle.
Not only is it a crime not to report an accident to the police when it involves injury or property damage, but you may also face trouble from your insurance (75 Pa. C.S.A. § 3746). The presence of the police at the scene is also important to properly document the identity and insurer of the at-fault car. If your company discovers you didn’t report an accident, they may see you as a liability, and you may even lose your coverage.
Moreover, you can sustain injuries from “minor” crashes that you don’t feel until later. Even low-speed rear-end collisions can cause whiplash and many soft tissue injuries can take time to manifest. By then, your insurance company may not believe you’re injured, since you didn’t report the accident.
You may be asked to give an on the record account of the accident. The adjuster may try to trip you up or ask confusing or unnecessary questions. You do not need to provide more than the basic facts. Avoid:
Don’t worry – we can help you craft a statement and handle all other communication with USAA.
When you’re hurting, you shouldn’t have to worry about an insurance company’s tricks and tactics. Contact us if you are facing:
At Berger and Green, we offer free consultations to anyone seeking information about the USAA insurance claims process after an accident in Pittsburgh. Whether you want more info about handling a claim or are facing significant challenges, our attorneys can help. Call today: (412) 661-1400.
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