2021 Kia ForteTotal Loss March 24, 2023 by Robert McDorman 2021 Kia Forte Total Loss USAA Insurance had deemed our client’s 2021 Kia Forte a Total Loss and offered a settlement of $25,296.24 We successfully settled the claim for a settlement of $27,680.38 Net settlement increase was $2,384.14 or 9.4%.