# USAA Claim? Body Shop Lewisville TX | DG Collision > Yes — we repair USAA members' vehicles: direct billing, supplements handled, free loaners. STARS shops are optional — I-CAR Gold here too. (972) 219-0864. - Canonical page: https://dgcollision.com/usaa-body-shop-lewisville/ - This file: Markdown twin of the page above (clean text for AI assistants and crawlers) - Business: DG Collision Center, 693 Metro Park Cir #20, Lewisville, TX 75057 — (972) 219-0864 (text: 817-907-2822) — since 1978 - Hours: Mon–Fri 8:30am–5:30pm, Sat 10am–1pm, closed Sunday · 24/7 towing · 4.9/5 on 500+ Google reviews - Full site index for assistants: https://dgcollision.com/llms.txt - Last generated: 2026-08-14 --- Independent Shop · I-CAR Gold Class # USAA CLAIM? YOU'VE EARNED THE CHOICE. Yes — we repair USAA members' vehicles all the time. Direct billing to USAA, supplements documented at teardown, in-house ADAS calibration, free loaner cars, written lifetime warranty. USAA tells members the shop choice is theirs — and here's a detail worth knowing: the I-CAR Gold Class standard its STARS network requires is one we already hold, independently, on our own dime. The STARS Network, Explained Honestly USAA billed direct — you pay the deductible only I-CAR Gold Class held independently — the STARS bar, cleared on our own 50+ free loaner cars · written lifetime warranty 4.9★ · 500+ Google reviews · since 1978 TL;DR You do not have to use a USAA STARS network shop in Texas. USAA's own guidance says members may select the repair shop of their choice, and Texas Insurance Code §1952.301 makes it law. DG Collision Center — an independent Lewisville shop — holds the same I-CAR Gold Class certification USAA requires of its STARS network, bills USAA directly, documents supplements at teardown, provides a free loaner for the whole repair, and backs the work with a written lifetime warranty. Your out-of-pocket: your deductible, once. - STARS is an assist, not a mandate — USAA's own guidance leaves the shop choice with the member. - The STARS screening bar — I-CAR Gold Class, OEM methods, calibration capability — is one we clear independently, not as a network obligation. - Photo estimates are opening numbers — teardown documents the rest, billed to USAA through supplements. - Free loaner car from our 50+ fleet for the full repair, rental coverage or not. - You pay the deductible once — USAA pays the approved balance directly to us. Reviewed by [Shah Jiwani](https://dgcollision.com/about/shah-jiwani/) · Owner, DG Collision Center Updated July 29, 2026 I-CAR Gold Class · PPG Certified ## How USAA Claims Work At An Independent Shop USAA members are used to a carrier that actually answers the phone — and the claims side mostly lives up to it: file in the app or online, get an adjuster, move fast. Here's how that meets our shop: hand us the claim number and we run the rest — direct billing to USAA, complete teardown documentation, supplements submitted with photos and OEM procedures, adjuster communication handled. You pay your deductible; USAA pays the approved balance to us. The DFW metroplex has one of the largest military and veteran communities in the country, which means we've repaired a lot of USAA members' vehicles over 45+ years — daily drivers, deployment-parked cars that met a hailstorm, and everything between. The service standard that community expects is straightforward: do it right, document everything, communicate without being chased. That's the shop. Insured elsewhere? See the [State Farm](https://dgcollision.com/state-farm-body-shop-lewisville/), [GEICO](https://dgcollision.com/geico-body-shop-lewisville/), or [Progressive](https://dgcollision.com/progressive-body-shop-lewisville/) pages. Weighing whether to file at all? Our [rates guide](https://dgcollision.com/guides/hail-claim-insurance-rates/) covers the comprehensive-claim math, and the [keep-the-check guide](https://dgcollision.com/guides/keep-insurance-check-without-repair/) covers the payout question honestly. ## What The STARS Network Is — And The Standard Behind It What it is: STARS is USAA's direct-repair network — a group of shops that meet USAA's screening standards, with guaranteed repairs at approved locations nationwide. The screening is real: STARS shops must hold I-CAR Gold Class certification, follow OEM-approved repair methods, and maintain diagnostics and calibration capability. Here's the part we respect: that's a good checklist. It's also our checklist — DG Collision Center holds I-CAR Gold Class certification, repairs to OEM procedures, and runs diagnostics and ADAS calibration in-house, and we did all of that independently, because it's how collision repair should be done, not because a carrier required it. The standard USAA demands of its network is the standard you get here anyway — with our loyalty pointed at you. And the choice stays yours: USAA's own guidance says members may select the repair shop of their choice, with STARS offered as an assist for members who don't have one. In Texas, [Insurance Code §1952.301](https://statutes.capitol.texas.gov/Docs/IN/htm/IN.1952.htm) backs that with law. If an adjuster steers anyway, our [shop-choice guide](https://dgcollision.com/guides/insurance-recommended-body-shop/) has the scripts. ## Your USAA Claim, Step By Step | Claim Stage | What USAA Does | What We Do | |---|---|---| 1. File the claim USAA app or usaa.com — claim number and adjuster assigned Nothing yet — or call us first to see if the damage clears your deductible 2. First estimate Often written from photos — visible damage only Treat it as an opening number; schedule drop-off and your free loaner 3. Teardown Waits on documentation Full teardown and blueprint — every hidden part photographed and itemized against OEM procedures 4. Supplement Adjuster reviews — typically 2–5 business days per cycle One comprehensive, photographed supplement; we handle every follow-up with USAA 5. Repair & delivery Pays the approved total minus your deductible, direct to the shop Repair, refinish, post-repair scan, in-house ADAS calibration, detail, delivery — with our written lifetime warranty The stage that decides your experience is #3 — the one photo estimates skip entirely. Full teardown at drop-off is why our supplements clear in one cycle instead of three, and why the completion date we quote actually holds. The mechanics live on our [collision repair page](https://dgcollision.com/services/collision-repair/) and in the [timeline guide](https://dgcollision.com/guides/how-long-does-collision-repair-take/). Real Results ## A MEMBER'S CLAIM, DONE RIGHT Drag the slider. A textbook commuter rear-ender — photo estimate first, teardown-documented supplements after, delivered on the quoted date with the member paying only the deductible. Before After #### Rear-End — Tailgate & Rear Panel Billed direct to the carrier — member paid the deductible, nothing more ### Have A USAA Claim Number Already? That’s all we need. Call or text it over with a couple of photos — we’ll schedule drop-off, reserve your free loaner, and handle USAA from here. Common Questions ## USAA CLAIMS FAQ **Q: Do I have to use a USAA STARS network shop?** A: No. USAA's own guidance says members may select the repair shop of their choice — STARS is offered as an assist, not a mandate — and Texas Insurance Code §1952.301 makes the choice a legal right. One sentence settles it: "I'm using DG Collision Center in Lewisville." **Q: Does DG Collision Center work with USAA?** A: Yes — we repair USAA members' vehicles regularly: direct billing to USAA, teardown-documented supplements, and all adjuster communication handled. We're independent of every carrier network, which means our documentation and our warranty both work for you. **Q: Does DG meet the standards USAA requires of STARS shops?** A: The published STARS screening asks for I-CAR Gold Class certification, OEM repair methods, and diagnostics and calibration capability. DG holds I-CAR Gold Class, repairs to OEM procedures, and calibrates ADAS in-house — independently, not as a network obligation. Same bar, cleared on our own. **Q: Will my repair be guaranteed outside the STARS network?** A: Yes — by us, in writing, for life. USAA's guarantee applies at its approved locations; at DG your repair carries our written lifetime warranty on workmanship and paint for as long as you own the vehicle, from a shop that's been in the same city since 1978. **Q: The USAA photo estimate seems low — is that final?** A: No. Photo estimates price visible damage only; hidden damage gets documented at teardown and paid through supplements on the same claim. We submit them to USAA with lift photos and OEM procedures — the format that gets approved in one cycle instead of three. **Q: Can USAA require aftermarket parts on my repair?** A: Texas Insurance Code §1952.301 bars insurers from limiting coverage by specifying the brand, type, kind, age, vendor, supplier, or condition of parts. We work the parts conversation with your adjuster and push for OEM on structural and safety-related components. **Q: Do I still pay my deductible at DG on a USAA claim?** A: Yes — once. It's your policy's share; USAA pays the approved balance directly to us. On qualifying claims, deductible assistance is legal on Texas auto repairs with honest billing — our deductible guide covers the mechanism. **Q: Do I get a loaner car during a USAA repair?** A: Yes — 50+ loaners in our own fleet, free for the full duration, whether or not your policy carries rental coverage. Three days or six weeks, the loaner costs you nothing.