USAA Insurance USAA didn't pay diminished value San Antonio Texas

A constructive suggestion is to do all of your correspondences in writing because the possibility does exist that an insurer will forget what was said in a telephone conversation or deny that any communications took place. Even after a telephone call, follow it up with an email detailing what was discussed.

I have seen the USAA diminished value form. It is very simple, asks about previous losses, etc. It doesn't determine either the existence or amount of diminished value, however.

You need to hire an independent appraiser who specializes in preparing auto diminished value reports, preferably one who does not employ formulas, algorithms, NADA comparisons or other short cuts. You want to present an irrefutable report that contains real research. Also, make certain the appraiser is willing to give testimony in a deposition or at trial should these be necessary.

Once you have submitted the diminished value report, expect a low-ball offer after which you should escalate your claim to the supervisory level and even higher up. You have hopefully provided them with a comprehensive DV report using a legitimate methodology. Ask USAA how they arrived at their figure. Also ask them to provide you with the name of a dealer who will pay onl (example) $500.00 less than fair market value for your car.

Should USAA fail to correspond or settle your claim in a timely manner, or should their offer be unfair, you can make a complaint for Unfair Claim Practices to the insurance department in your state.

Auto diminished value and your right to be compensated for your car's loss of value is a closely-guarded secret in the insurance industry which is why most people have never heard of it.