USAA Claim Repair in Campbell
Elite Auto Body and Collision Center isn’t in USAA’s repair program, and you don’t need a program shop. California law lets you pick your body shop. Call (408) 377-0505 or send photos for a written estimate.
Elite Auto Body and Collision Center is an independent repair shop. We are not a USAA preferred or direct-repair (DRP) shop; we work with its policyholders and adjusters, and you have the right to choose us.
Elite Auto Body and Collision Center, 1386 White Oaks Rd., Campbell, CA 95008 · (408) 377-0505
USAA members choose their own body shop
Elite Auto Body and Collision Center isn’t in USAA’s repair program, and you don’t need a program shop. California law lets you pick your body shop (Cal. Insurance Code §758.5; 10 CCR §2695.8(e)).
Under 10 CCR §2695.8(e)(1), no insurer can require that your car be repaired at a specific shop. After you name your shop, the insurer can’t steer you elsewhere or require an inspection at one of its program shops (§2695.8(e)(2), (e)(5)).
We write the estimate, work with your USAA adjuster, and bill the insurer directly. You choose us.
How to file a claim with USAA
USAA members can start an auto claim online or in the USAA app from USAA’s claims center (USAA auto claims), or call USAA claims 24/7 at 1-800-531-8722. Then tell your adjuster you’d like the vehicle repaired at Elite Auto Body and Collision Center and send us your claim number.
USAA members in the South Bay
USAA is common with local military and veteran families. Same process as every other claim: photos or drop-off, written estimate, claim number, repair. We aren’t in USAA’s repair program.
How the process works
Photo estimate
Send photos from your phone and we’ll send back a written estimate.
We handle the paperwork
Give us the claim number and we deal with the adjuster on the estimate and supplements. We bill the insurer directly.
Towing, pickup and rental
Our towing partner can bring it in, pickup is free in greater San Jose, and we'll shuttle you to the rental agency. Call (408) 377-0505.
If the estimate is short
When we find more once the panels come off, we document it and send a supplement. If we disagree with a change, we say so and show why.
Fleet and commercial vehicles
We repair fleet cars, Sprinter and work vans, box trucks and limos. We don’t repair buses. Typical turnaround is 3–7 days, depending on parts and damage. See fleet and commercial repair.
South Bay service area
We’re at 1386 White Oaks Rd. in Campbell, close to San Jose, Los Gatos, Saratoga and Cupertino. Learn more about choosing your body shop in California, our collision services, or call or send photos.
Start your USAA claim repair
Call (408) 377-0505 or email photos to estimates@elitecampbell.com.
Frequently asked questions
Do I need a USAA-approved body shop?
No. Under California regulation 10 CCR §2695.8(e), an insurer can’t require you to repair at a specific shop. You choose, and USAA still handles the claim.
Can USAA tell me to use a different shop?
After you’ve named your shop, the insurer can’t steer you elsewhere or require an inspection at one of its program shops (10 CCR §2695.8(e)(2), (e)(5)).
Does Elite work with USAA claims?
Yes. We write the estimate, work with your USAA adjuster, and bill the insurer directly. We’re an independent shop, not part of USAA’s repair program.
What’s the difference between a program (DRP) shop and choosing my own?
A DRP shop has a contract with the insurer. Choosing your own shop doesn’t change your coverage.
Can you pick up the vehicle or tow it?
Yes. Our towing partner can bring it in, pickup is free in greater San Jose, and we'll shuttle you to the rental agency. Call (408) 377-0505.
How do I get an estimate?
Use our free photo estimate from your phone or call (408) 377-0505. Your written quote comes later by text or email, after we research the repair procedures and parts. No on-the-spot quotes.
USAA is a trademark of its owner. Elite Auto Body and Collision Center is not affiliated with or endorsed by USAA. Claim and coverage information is from the insurer’s public website; check your policy for details.
Call us now and we will deal with your claim for you.
Our past USAA Auto Body Repairs:
