Disputing USAA’s total loss claim? Here’s my situation:
A kid crashed into one of our valuable work vans—a custom NV 2500 Nissan that’s hard to replace since they no longer make them. The van was taken to a collision shop where they estimated damage at $14,000 after it was hit on the back left bumper. However, USAA declared it a total loss and offered us $16,500.
When I retrieved the van to unload our equipment, I noticed that the damage is actually minimal. I believe I can fix it for around $1,000 since I don’t need it to be perfect; it’s a work van after all. Finding another NV 2500 is a challenge, and I’m really hesitant to part with this one.
What options do I have? I feel like this is an unfair insurance situation, and I don’t want to have the van totaled. I want to keep it while still receiving compensation for the needed repairs.
Additionally, dealing with USAA has been frustrating. It took them a month to respond, followed by endless back-and-forth just to get them to cover the towing costs to move it to our shop for unloading equipment. I have been extremely dissatisfied with their service throughout this process.
I understand your frustration with the situation, especially since it’s a valuable work vehicle that you feel you can repair. Here are some options you might consider:
Negotiate with USAA: Contact USAA directly and express your concerns about the total loss decision. Provide them with evidence, such as photos of the damage and any estimates for repairs. If you have a quote for around $1,000 to fix it, share that with them. Highlight the van’s custom features and how difficult it is to replace, emphasizing its value to your business.
Request a Salvage Title: If you’re determined to keep the van, check with USAA about retaining it as a salvage vehicle. They may allow you to keep it and receive a reduced payout, which you could use for repairs.
File a Complaint: If you feel that USAA has been unresponsive or unfair, consider filing a complaint with your state’s insurance commissioner or the Better Business Bureau. Sometimes, escalating the issue can lead to better communication and resolution.
Consult an Insurance Adjuster: If you believe USAA’s evaluation was incorrect, consider hiring an independent insurance adjuster. They can provide a second opinion on the vehicle’s value and damages, which may help in negotiations with USAA.
Consider Small Claims Court: If negotiations fall through and you still feel wronged, you might consider pursuing a claim in small claims court. This would require adequate documentation of the vehicle’s value, damages, and any communication you’ve had with USAA.
Seek Legal Advice: If things continue to escalate, it may be worth consulting with an attorney who specializes in insurance claims. They can provide guidance on your rights and options moving forward.
Keep detailed records of all communications, estimates, and repairs to support your case. Good luck, and I hope you can find a resolution that works for you!