USAA · Rear impact
2026 Tesla Model Y
Priced at the rates measured from USAA’s own documents, the estimate landed $229 under what USAA actually paid. At the shop’s posted rates the same damage came out $574 over.
- $12,501
- USAA paid
- $12,272
- At USAA rates ($60/$60)
- $13,075
- At the shop’s posted rates
$229 under · -1.8%
What the estimator produced at the rates measured from USAA’s own documents.
$574 over · +4.6%
Same hours, same parts. Only the labor rate changes.
Hours and parts are identical in both numbers. The only thing that changes between them is the labor rate applied, which is the product’s entire claim made arithmetic: the disagreement between a shop and a carrier is usually not about what the car needs.
The shop’s posted rate is $125 body and $125 refinish. USAA’s measured rate is $60 and $60, taken from the two USAA documents in the corpus rather than from anything USAA published about itself. Two documents is a thin sample and the page says so; it is enough to price one job against and not enough to make a general claim about USAA.
The $229 gap under a $12,501 settlement is 1.8 percent. That is close, and it is one job. It is published as one job, not as an accuracy rate, because a single result is an anecdote no matter which direction it falls in. The measured accuracy figure does not exist yet and there is none on this site until it does.
Worth naming the failure this replaced: an earlier version of the estimator applied the shop’s retail rates to insurance work by default, and produced numbers that ran 29 percent over what the carrier settled. Repricing this same job at the carrier’s rate is what moved it from +29 percent to roughly break-even.
The anchor figure is money that moved: a settlement, not an estimate. One job is an anecdote in either direction. There is no accuracy percentage on this site until one has been measured against completed repair orders.