News & opinion SECRETS of USAA Car Accident Claims EXPOSED!

SECRETS of USAA Car Accident Claims EXPOSED!

Car Accident Lawyers Houston
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ecent filing<>. Thei

executives enjoy

nnu

l p

ychecks

o

th millions—US’s CEO just got

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nd they

ould like to keep it th

t

y.

US

, like

ll insunce comp

nies, m

kes money by collecting p

emiums f

om its custome

s—in US

’s c

se, the bve men

nd

omen of ou

milit

y—

nd p

ying out

s little

s possible on cl

ims, le

ving ou

soldie

s unp

otected. To US, it doesn’t m

tte

th

t thei

ongful deni

l o

“lo

b

ll” offe

s on <

h

ef=”https://c

inju

yvictims.com

c

ccident-cl

im-

o

th/”>c

ccident cl

ims > le

ve thei

custome

s f

cing unnecessy lsuits. This is ho

US

m

kes money off of vulneble victims. They t

ke in

s much

s possible in p

emiums,

nd p

y out

s little

s possible in cl

ims.

Ou

dvice to you?

lys

em

in skeptic

l

hen it comes to settlement offe

s

nd negoti

tions

ith US,

nd hi

e

n expe

ienced

tto

ney to

ep

esent you

nd m

ximize you

settlement.  If you

e de

ling

ith US

Insu

nce, c

ll us

ight no

fo f

ee consult

tion

t 800-898-4877 o

<

h

ef="https:

/c

inju

yvictims.com

cont

ct-us

/”>cont

ct us by clicking HE

E > to discuss you

c

se fo

f

ee.

SEC

ET #2 – US

djuste

s H

ve T

icks to Limit You

P

yout

hen you file

n insu

nce cl

im, US

ill

ssign you

cl

im to

specific

djuste

. The job of these

djuste

s is not to t

ke ce of cl

im

nts, but to minimize<

i> p

yments in

ny

y possible, by

ny me

ns necess

y. Ho

eve

, the

djuste

s don’t

nt you to kno

this. In f

ct, they h

ve m

ny t

ctics to m

ke you believe th

t they e on you

side, not the side of US

.

djuste

s t

y to g

in you

t

ust in multiple

ys. Fi

st, they

ill simply tell you th

t you don’t need to c

ll

lye

bec

use they e he

e to help you. They’ll m

ke you believe th

t the cl

ims p

ocess is not

n

dve

si

l one, so

hy

ould you need

n

tto

ney? This is bec

use it’s e

sie

to get un

ep

esented cl

im

nts to

ccept lo

b

ll offe

s.

Then,

djuste

s

ill t

y to get you to m

ke eco

ded st

tement. You e not oblig

ted to p

ovide eco

ded st

tement.<

b>

hile it is ok

y to give

djuste

s you

b

sic cont

ct info

m

tion, it’s

l

ys

isky to discuss youccident o

inju

ies

ith them

ithout the

ssist

nce of

n

tto

ney. They

en’t

e

lly inte

ested in heing you

side of the sto

y. Inste

d, they

e listening fo

nything you s

y th

t might help them lo

e

o

deny you

cl

im! Conside

the follo

ing scenio:
  • -level=”1″>

    n

    djuste

    gives you

    c

    ll, you

    g

    ee to m

    ke

    eco

    ded st

    tement,

    nd you tell them

    h

    t you

    emembe

    bout the c

    sh.

  • i

    -level="1">The

    djuste

    c

    su

    lly

    sks

    hen you

    e

    lized

    c

    sh

    s

    bout to h

    ppen.

  • i

    -level="1">You s

    y, “I looked do

    n

    t my GPS fo

    second

    nd the c just c

    me out of no

    he

    e.”

  • i

    -level="1">The

    djuste

    then

    lleges in US

    ’s d

    t

    ent

    y system th

    t you

    e

    e dist

    cted

    nd, the

    efo

    e, ptly to bl

    me. They cl

    im thei

    insu

    ed s only pti

    lly li

    ble, so you should only

    eceive

    pe

    cent

    ge of compens

    tion fo

    you

    losses.

Finding

e

sons to ch

llenge the policyholde

’s li

bility is

ve

y common y to

educe

settlement offe

.

djuste

s m

y

lso find

ys to question the seve

ity of you

inju

ies, such

s:

  • i

    -level="1">You

    g

    ee to

    phone

    eco

    ding,

    nd the

    djuste

    sks

    bout you

    inju

    ies.<

    li>

  • i

    -level="1">You tell them you

    b

    ck inju

    y keeps you f

    om doing you

    job,

    equi

    es ongoing physic

    l thepy,

    nd c

    uses you immense p

    in.

  • i

    -level="1">Unde

    the guise of m

    king sm

    ll t

    lk, the

    djuste

    l

    te

    sks

    h

    t you h

    ve pl

    nned fo

    the d

    y. You

    eply th

    t you just need to do l

    und

    y

    nd get some g

    oce

    ies.<

    li>

  • i

    -level="1">The

    djuste

    then notes th

    t you

    inju

    ies don’t keep you f

    om completing you

    eve

    yd

    y t

    sks, so you

    p

    in must not be

    s se

    ious

    s you cl

    im. Fu

    the

    , s it

    e

    lly necessy to miss

    o

    k if you c

    n d

    ive

    nd c

    y g

    oce

    ies?<

    li>

In this

y, you

seemingly hmless comments c

n le

d to

signific

nt

eduction in you

settlement offe

.

lys unde

st

nd th

t

hen

n

djuste

tells you they

e on you

side o

th

t they just need eco

ded st

tement to speed up you

cl

im p

ocess, these

e t

icks<

i> to help them

educe you

p

yment. This is pt of thei

job, so you should neve

t

ust th

t they

ill h

ve you

best inte

ests in mind. Don’t give th

t

eco

ded st

tement! <

b>Bette

yet, let ou

te

m of expe

ienced

tto

neys do the t

lking fo

you.  If you

e de

ling

ith US

Insu

nce, c

ll us

ight no

fo f

ee consult

tion

t 800-898-4877 o

<

h

ef="https:

/c

inju

yvictims.com

cont

ct-us

/”>cont

ct us by clicking HE

E > to discuss you

c

se fo

f

ee.

SEC

ET #3 – Del

ys e Pt of US’s G

me

No one likes to pl

y the iting g

me, but consequences c

n be especi

lly di

e fo

c

ccident victims. US kno

s this,

nd they’

e hoping they c

n fo

ce you to settle p

em

tu

ely.

hile you

tch you

medic

l bills pile up, you

st

ess level

ill

ise

s

ell. If you’

e missing

o

k, losing th

t income c

n th

o

you

enti

e budget off

nd you might be st

uggling to cove

you

b

sic household expenses. It’s only n

tul to nt

check in you

h

nd

s soon

s possible!

US

kno

s the st

esses th

t c csh victims f

ce,

nd the u

gency of thei

fin

nci

l situ

tions. The comp

ny then uses this to theidv

nt

ge. In m

ny situ

tions,

US

djusteill

equest documents f

om you, then

equest mo

e documents o

even the s

me<

i> documents

g

in. This inconveniences you, su

e, but it

lso del

ys the cl

im p

ocess.

t fi

st, you m

y he

f

om the

djuste

e

ch d

y o

even seve

l times

d

y. Then, the c

lls m

y

b

uptly stop

nd you m

y be un

ble to get the

djuste

on the phone

t

ll. This le

ves you in the d

k, un

e of

h

t’s h

ppening

ith you

settlement

nd

ith no ide

of ho

long the insunce cl

im p

ocess

ill t

ke. It’s no su

p

ise th

t cl

im

nts become imp

tient

nd

nt to do

nything they c

n to get thei

p

yment

S

P.

By o

chestting these del

ys, US

kno

s you’ll get f

ust

ted. You’ll get

nxious. You’ll be mo

e

illing to

ccept

ny<

i> offe

they put on the t

ble. This is yet

nothe

t

ick they use to convince you to

ccept much less th

n you

ctu

lly dese

ve.

hile getting

check

s f

st

s possible m

y seem like the best decision in you

situ

tion, it c

n be

dev

st

ting move to t

ke the fi

st offe

. If the offe

is too lo

, it c

n le

ve you

ith much bigge

fin

nci

l p

oblems in the long

un. In some c

ses,

n

djuste

ill

dd

ess the issue of del

ys

ight f

om the stt. They’ll tell you th

t the p

ocess c

n often t

ke some time, but they c

n speed it up just fo

you<

i> if you

g

ee to

ccept the fi

st settlement offe

. T

ust us, this is not

p

omise

ese

ved “just fo

you.” It’s

common m

nipul

tion t

ctic to get people to

g

ee to

ccept

n offe

, not

e

lizing th

t offeill be much<

i> lo

e

th

n they expected. Th

t b

ings us to…

SEC

ET #4 –

tch Out fo

Unf

i

Settlement Offe

s

Like m

ny insunce comp

nies, US

djuste

s use

compute

p

ogm to ev

lu

te cl

ims

nd m

ke settlement offe

s. Yes—you

e

d th

t

ight. Inste

d of

pe

son deciding you

f

te, they le

ve it up to

compute

<

i>! They s

y this m

kes fo

f

ind efficient cl

ims h

ndling p

ocess, but the t

uth is those compute

s

e p

ogmmed to

o

k

g

inst<

i> victims m

king cl

ims. They

e specific

lly designed to offe

ext

emely lo

settlement offe

s on legitim

te c

ccident cl

ims.

hen you file

cl

im,

djuste

s

ill put you

medic

l bills

nd

eco

ds into the p

og

m,

hich

ill then give

n estim

te fo

compens

tion fo

you

losses. These estim

tes e

l

ys lo

bec

use these p

ogms unde

estim

te the

mount you

e o

ed fo

c

tego

ies of d

m

ges fo

hich the

e is no set v

lue (unlike

medic

l bill.) Some of these d

m

ge elements include:

  • i

    -level="1">P

    in

    nd suffe

    ing

  • i

    -level="1">PTSD symptoms<

    li>

  • i

    -level="1">P

    st

    nd futu

    e dis

    bility

    nd disfigu

    ement<

    li>

  • i

    -level="1">Loss of conso

    tium

  • i

    -level="1">Loss of enjoyment of life<

    li>

  • i

    -level="1">Futu

    e e

    ning c

    p

    city

The compute

p

og

m c

nnot spe

k to you on the phone o

sk you pe

son

lized questions. It

ill neve

t

uly unde

st

nd

h

t you’

e going th

ough. Inste

d, it b

ses its decisions on

p

e-p

og

mmed

lgo

ithm—one th

t is intended to unde

v

lue cl

ims

nd m

ximize US

’s p

ofits! Ou

l

ye

s unde

st

nd th

t people

e not

obots,

nd they should not h

ve thei

cl

ims decided by

compute

. You m

y not kno

ho

much money you’

e entitled to, but it’s ou

job to find out!

Some people m

y

eceive

settlement offe

f

om US

nd

ssume th

t it’s the most they’ll get. This is not

t

ll the c

se,

nd by

ccepting

fi

st offe

, you

ill give up youights to seek

ny mo

e money in the futu

e.

he

e

ill you tu

n once you

e

lize you’ve been che

ted

nd you

ccident-

el

ted expenses continue to pile up? In this situ

tion, the insunce comp

ny

ins by p

ying out

s little

s possible!

Befo

e you even spe

k to

US

djuste

, you should immedi

tely cont

ct

n

uto insunce

tto

ney

ho kno

s ho

this comp

ny

o

ks. Don’t give

st

tement, don’t sign

nything,

nd don’t t

ke ch

nces!

e’

e open 24

7, so c

ll us

ight no

fo f

ee consult

tion

t 800-898-4877 o

<

h

ef="https:

/c

inju

yvictims.com

cont

ct-us

/”>cont

ct us by clicking HE

E > to discuss you

c

se fo

f

ee.

SEC

ET #5 – US

Lo

b

lls Its O

n Insu

eds on Uninsu

ed Moto

ists

nd PIP Cl

ims

If you

e

US policyholdeho needs to file

n uninsu

ed o

unde

insu

ed moto

ist cl

im, o

tu

n in

PIP cl

im fo

you

medic

l bills, you m

y think th

t US

ill m

ke the p

ocess e

sie

fo

you bec

use you p

y p

emiums

nd m

y even be

membe

of the milit

y o

f

mily membe

.

Think

g

in.

US

—like othe

insunce comp

nies—

ill often fight

g

inst these cl

ims. Thei

p

t

iotism ends

ith thei

p

ofit m

gins.

If you

e

US customend you

e

e in

hit

nd

un

ccident on uninsu

ed d

ive

hit you, you

ill still need to fight

n uphill b

ttle even though you e filing

cl

im

ith you

o

n insu

e

. In some c

ses, you m

y even need to file

lsuit

g

inst US if it

efuses to offe

the full

mount of you

uninsu

ed moto

ist cl

im!

Like

ise, US h

s

speci

l comp

ny they use to “nitpick”

ll medic

l bills they e

sked to p

y unde

thei

Pe

son

l Inju

y P

otection o

“PIP” cove

ge.

nyone in this situ

tion should seek

ssist

nce f

om

n

tto

ney

ho h

s expe

ience de

ling

ith US cl

ims.

e’ve h

ndled thous

nds of cl

ims

ith US,

nd

e

ill not b

ck do

n in the f

ce of unf

i

t

e

tment.

SEC

ET #6 – You C

N Fight fo Highe

Offe

<

b>

hen US puts

settlement offe

on the t

ble th

t doesn’t even begin to cove

you

losses, you

he

t m

y sink. Eve

ything might feel hopeless. But kno

th

t it is neve

<

i> hopeless. The fi

st settlement offe

is not the fin

l offe

, despite

h

t the insu

nce

djuste

might le

d you to believe. You h

ve the oppo

tunity to negoti

te fo

mo

e money. Kno

ing youights is h

lf the b

ttle! If the insunce comp

ny is ch

llenging li

bility fo

the csh, you

nd you

c

ccident l

ye

c

n p

esent evidence th

t the policyholde

s

t f

ult

nd th

t you

e

en’t negligent

s

ell. If the

djuste

questions the seve

ity o

c

use of you

inju

ies, you c

n sho

documents f

om you

medic

l p

ovide

s

nd othe

expe

ts

ho c

n

ttest to youccident-

el

ted inju

ies.

Fighting fo

highe

offe

is no simple t

sk, ho

eve

. US might ise you

offe

little, but

ill likely t

y to continue to lo

b

ll you. This is bec

use these comp

nies

ll think they c

n t

ke

dv

nt

ge of un

ep

esented clients,

nd they often do! T

ying to fight this on you

o

n could del

y the cl

im even mo

e. You could put in you

best effo

t

nd still end up

ith

lo

b

ll offe

. This is only one of m

ny

e

sons

hy you should h

ve

skilled

uto insu

nce cl

ims

tto

ney on you

side th

oughout the enti

e p

ocess.

SEC

ET #7 – US

Doesn’t Like L

suits!

n insunce cl

im is only the fi

st step in

<

h

ef=”https://c

inju

yvictims.com

tx/tex

s-c-

ccident-l

ye

s

“>c

ccident c

se >.

s

n inju

ed victim, you h

ve the

ight to t

ke

ction in cou

t

s

ell. If US is not

illing to m

ke

ny so

t of

e

son

ble offe

, you m

y need to file

lsuit

g

inst the

t-f

ult d

ive

. The decision to file

l

suit should be one th

t you cefully discuss

ith

n

tto

ney

ho h

s expe

ience litig

ting c

ccident cl

ims.

hile this l

suit is

g

inst the d

ive

, you c

n bet th

t US

is cove

ing the judgment up to the policy limits. Fo

this

e

son, US

ill still ve

y much st

y involved in you

l

suit.

Unlike m

ny insunce comp

nies, US

don’t usu

lly h

ve in-house l

ye

s

e

dy to defend

g

inst lsuits. Inste

d, they hi

e loc

l

tto

neys

he

eve

the lsuit is filed. This me

ns they might h

ve to p

y highe

fees fo

leg

l defense th

n insu

nce comp

nies

ho keep

tto

neys on s

ly. Fo

this

e

son, filing

lsuit c

n quickly get US

’s

ttention

nd often se

ves

s

st

ong negoti

tion t

ctic!

fte

you file

lsuit

g

inst US, the comp

ny often signific

ntly inc

e

ses its settlement offe

s. If the ne

offe

still

on’t

dequ

tely cove

you

losses, US

ill t

y to dg you th

ough the enti

e litig

tion p

ocess. Genelly, US nts to

void the costs of

t

i

l

nd

ill inc

e

se its offe

g

in

ight befo

e you

t

i

l d

te. This seems to be

common p

tte

n

ith this insu

nce comp

ny—

nd ou

tto

neys

t Ste

t J. Guss, Inju

y

ccident Lye

s, kno

ho

to h

ndle it. 

hen necess

y,

e

ill file

lsuit on you

beh

lf

nd fight fo

you

full

ecove

y, so c

ll us

ight no

fo f

ee consult

tion

t 800-898-4877 o

<

h

ef="https:

/c

inju

yvictims.com

cont

ct-us

/”>cont

ct us by clicking HE

E > to discuss you

c

se fo

f

ee.

SEC

ET #8 – The

IGHT Lye

C

n Help<

b>

The

e’s no

e

son

hy you should h

ve to st

uggle

ith US

nd thei

djuste

s on you

o

n. The

e

e

tto

neys

ho c

n h

ndle you

cl

im fo

you, such

s Ste

t J. Guss, Inju

y

ccident L

ye

s. The follo

ing

e only some of the

ys the

ight lye

c

n help

ith you

US cl

ims p

ocess. Let them kno

you me

n business f

om the st

t. US

kno

s it c

n t

ke

dv

nt

ge of un

ep

esented

ccident victims,

nd it often does so successfully.

hen you h

ve

n

tto

ney h

ndling you

cl

im, it sends

st

ong mess

ge

ight

y. It sho

s th

t you kno

you

ights

nd you kno

the insu

nce comp

ny m

y t

y to s

ve money

t you

expense.

In

ddition, h

ving

n

tto

ney f

om the office of Ste

t J. Guss, Inju

y

ccident Lye

s puts you in

n even bette

position.

e’ve h

ndled m

ny cl

ims

ith US

nd they kno

<

i>

e don’t b

ck do

n.

e

on’t hesit

te to t

ke the c

se to cou

t if US

on’t m

ke

f

i

offe

, so this

ep

esent

tion c

n even

o

k to

chieve

f

vo

ble outcome f

ste

. Ou

tto

neys kno

ho

to file

pe

su

sive cl

im

ith

ll the necessy p

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settlement offe

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inju

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nd losses. Don’t be

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s

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void going he

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