I have a new 2026 vehicle and was rear-ended a couple months ago. The other party was 100% at-fault and his insurance (USAA) took full responsibility.
The car is repaired and I'm in the DV claim stage. While waiting for USAA to get back to me, I got a free estimate from a third-party company that works in the DV space. They said I should get $5000-6000, but they said USAA does not negotiate after they provide their number.
The company said I would have to go to small claims court against the other driver the remainder, but that USAA almost always settles once the suit gets filed.
Does anyone have experience with USAA and DV claims that resulted in them going to small claims court?
USAA, Auto Diminished Value Claim, and Small Claims Court
byu/KinggSimbaa inInsurance
Posted by KinggSimbaa