USAA sometimes asks for more detail than you’d expect.
That’s been my experience too. Had a fender bender last year and USAA wanted every little thing—photos, receipts, even a diagram. State Farm was more chill about it, but still not exactly quick. Guess it’s just part of the deal.
USAA wanted every little thing—photos, receipts, even a diagram.
Yeah, I ran into the same thing with USAA after a deer ran into my car (not the other way around, I swear). They wanted pics from every angle and even asked for a hand-drawn sketch. I get wanting details, but it felt like homework. My buddy with State Farm said they just needed photos and a quick phone call, but his payout took forever. Guess it’s a tradeoff—more paperwork up front or more waiting on the back end.
Honestly, I hear you on the USAA “homework” thing—it’s like they want a full crime scene report just for a fender bender. But in my experience, once you jump through their hoops, the payout and repairs move fast. State Farm seemed easier at first, but I waited ages for my check last year. It’s frustrating either way, but at least with USAA you’re not left hanging for weeks wondering if your claim is even moving. Not ideal, but I guess it’s the lesser of two headaches?
I get the “lesser of two headaches” logic, but man, USAA’s paperwork nearly made me miss a road trip once. State Farm might be slow, but at least I didn’t have to dig up my car’s baby photos and dental records just to get started. Sometimes I’d rather wait than play detective.
State Farm might be slow, but at least I didn’t have to dig up my car’s baby photos and dental records just to get started.
That’s a pretty accurate way to put it. But do you think the extra paperwork from USAA actually speeds up the payout in the end? Or is it just bureaucracy for its own sake? I’ve seen both—sometimes more info up front means fewer delays later, but not always. Curious if you felt like the hassle was worth it once things wrapped up.