USAA Auto Insurance

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Crystal of Grovetown, GA November 19, 2009

I was involved it a 3 car accident on 08/31/2009. I was rear ended twice (I was the car in the front). There are two insurance companies I have to go through to get my car and myself fixed. One has been super and informed me what percentage of my accident they were going to cover. The other, which is USAA, on the other hand has been dragging their feet. It's been over two months since they were contacted and a claimed filed. Claim # 14796101.

I have left messages, I have asked to keep me updated, and I haven't been. I am still waiting word back if they are or are not accepting liability for the accident. Sure I can file it against my insurance, but I don't have 250 deductible money and have already came out of pocket for medical expenses related to the accident.

I am still having pains in my upper back, but cannot afford to go back to the doctor. USAA cannot give me a time frame, time line, or a denial letter so I can proceed futher. I need HELP! They cannot keep pushing me off and not keeping me informed or giving me a resolution time. Unable to go back to the doctor due to accident because I cannot afford to go. My car's rear bumper and trunk is damaged. Stress from having to deal with this situation and the smart aleck responses from USAA. I am about to have a nervous break down!

cynthia of valley springs, CA November 18, 2009

I have been a member of USAA since 1983. I have only filed two claims, both not my fault and caused by others. Now, after all these years of being a faithful patron, USAA has increased my auto insurance 56pct! Their reason; "we are just matching the rest of the California insurance companies". Come to find out, just certain areas where affected...hmm.

We live in a rural area (Calaveras County), no traffic, only one stop sign in town; we have two vehicles, a 1997 Ford pick-up truck and a 2008 Infiniti; both are garaged all week. My husband drives a state vehicle to work and I work from home. Very little mileage is put on either vehicle. So why do we have to pay so much?

Response from USAA was ridiculous, "because of uninsured motorists costs and California being behind on increases with USAA". That is why there are uninsured motorist-we can't afford it! I can see rates going up, but 56pct? We have life insurance, IRA, checking and savings account throught USAA. We are considering taking our business somewhere else. We already found a less expensive auto insurance and switched. Someone needs to check in to this matter, how many others are getting the run-around with USAA?

As I stated, my husband works for the State of California. He has 3 furlough days a month, can't do over-tme; I have been cut back to 4 days a week. So we are just trying to hang on; taxes, medical, insurance and FEMA now wanting addtional insurance on any house that "might be in a 100-500 year flood zone". USAA was just the last straw. How can insurance companies get by with this? 56pct!

Michael of Seongnam, Korea Sout November 18, 2009

I re-opened an Auto Insurance account when I became stationed in Korea for a vehicle in March 2008 to renew every 6 months. However every 6 months there was a monetary increase. Since this new policy, I have recieved no tickets, no vehicle infractions, no claims, no nothing, however the monetary increases continued. I asked several times why, but got sales answers, only at the point that I requested full disclosure under Texas Insurance Laws with the threat of litigation did they attempt a true response, however once they confirmed that no ligitation had begun, they basically gave a brief answer without the requested documented proof and once I opened the e-mail on the USAA customer account, they went into the account and deleted their reply as to insure no retained evidence of their LIES. As soon as I requested that they cancel the policy, there was no hesitation to do so, no apologies, no statements,"like, we are sorry to loose your business,please reconsider." Since then I have visited as many web based sites reporting and sending what e-mails I did cut and paste to anyone who would listen.

Terry of Placida, FL November 16, 2009

Something everyone in Florida who is a member of USAA needs to watch and see if it effects you in your area. My car insurance just jumped 74 every 6 months (no tickets, accidents or any other reason). I inquired from USAA why and found out there was no reason except USAA decided to increase rates in Florida. I have got quotes from Geico and Allstate that will lower my premium by 200 a year. This is tough for me because I have been with USAA for over 25 years, but money is money. 2 years ago it was my homeowners and stupid decisions by someone within USAA. Before that it was my boat insurance. Now my it is my car insurance. USAA is certainly not the insurance company it was before and definitely is not a company there for members.

Melissa of Spokane, WA October 28, 2009

My husband and I have been insured with USAA for over 6 years now, which is not a long time but not a short time either. We have filed ONE claim under our Renter's insurance in September 2009 because some nice person decided it was a nice thing to break into our car and steal my husband's work gear and military issued equipment. They treated us like criminals because we didn't lock the vehicle, so why would we file a police report if we planned this???

I am even more irritated to find out that they have increased our Renter's Insurance policy aby 300 a year, not to mention our auto insurance has now somehow increased as well. Switching my insurance this week and spending the same amount over one year that we were going to pay in 6 months with USAA. Can't believe they can get away with this, especially after being with them for so long and ONE stupid claim that amounted to 600!!!

Jeneva of Barre, VT October 8, 2009

I took a friend and my daughter out to McDonald's one afternoon and as usual my order was incorrect. I pulled out of the drive thru and off to the side behind a parked car (the lot was packed). I was parked perpendicular to the car beside me so that it made a "T." I turned my car off, took the keys out of the ignition and put my hazard lights on. My friend and I started going through our order to find out what was missing. My friend opened her door ajar and 3 cars passed with no problems. All of a sudden the whole entire car moves and french fries go everywhere. That's when I realized some guy in a hurry slammed into my car causing my door to look like an accordion! The worst part was my 3 year old had gotten out of her seat because we were parked! The guy walked over to my car acting as if I had incovenienced him in some way and said that it was his fault and he had already called the cops. Once the cop arrived, he gave him his license and insurance card and then drove off!!! I had to wait around to deal with it. Luckily, a guy was on a ladder at the time washing windows and had seen the whole thing. I thought surely everything would be fine. I had never been in an accident before.

daniella of cibolo , TX September 20, 2009

a car right across te steet from our house was parked in the his drive way he siad that he stated the car and the bakes stoped working well for the brakes to stop working it was going realy fast it when throw our fence into the pool the only hting that stoped it to go all the way through was a fire pit that was throun into the pool and the back of the car was sitting on it. any way the issurance had no problem fixixng the pool and the fence but a couple of weeks after hte accident we starded realising that aroun the pool thed concreet was craking that broute ingenieers and a plumer to look at it we pushed and pushed for the final report and they are telling us that they are unwilling to pay for that and they are balming the drought for it. what next?

Dwight of Virginia Beach , VA September 14, 2009

On November 5th, 2008 my new SUV was vandalized at my home in Virginia Beach. I was wrongly accused of this vandalism/arson crime, lied upon by the VBFD investigator, and misrepresented by investigating officials. 10 months later, i am still fighting with USAA to replace my SUV.

It's been 10 months 10 days, or over 310 days since my Mercedez Benz GL450 was maliciously vandalized/burned and to this date I have not had any kind of positive closure to this loss from USAA. I was told that there is an ongoing investigation and no decision will be made until this investigation was complete. On 5/1/09 I completed a examination under oath, or rather what was an "interrogation under oath". My privacy and rights were violated at this examination under oath, questions were being asked about my life, my work, and my wife...all unrelated to the loss I suffered on November 5th, 2008. I was treated by the attorney that USAA hired like a criminal. I kept a copy of the entire session of all the ridiculous questions and assumptions being made by this lawyer who represents USAA.

USAA is deliberately delaying closure to this loss simply because I was wrongfully accused of this crime. I was vindicated, yet no action has been taken to replace my SUV. I've been a honorable serving member of our Navy for over 11 years, of which USAA has insured me for at least 8. I never cheated, or committed a crime, and I never imagined going through such an event. It would have been nice if USAA, the company that claims to truly care about its members had done a proper investigation in a timely manner, realized that I am not responsible for the damages to my vehicle, and bring to a closure the worst experience of my life. Mercedez Benz Financial, and Phillips Mercedez dealership, have both been willing to do a Substitution of Collateral on my behalf, negotiations were made to replace my SUV but this this agreement is history or at a stand still because USAA is basically dragging its feet. Months after the loss of my SUV, USAA found it fit to continue deducting insurance allotments from my bank account, yet my vehicle was totalled in November, 2008. I received first communication in January 09, heard from the attorney March of 09, and I'm still in the same position. I am very disappointed and hurt by their actions. On July 31st I was rightfully aquitted of all charges, and til this date, USAA has not paid to repair and or replace my SUV. I ask that someone in USAA's chain of command attend to the concerns of this Active Duty Sailor and make some quick decisions and do what's right. I HAVE NO MEANS OF TRANSPORTATION AT THIS TIME, yet I'm paying for my vehicle every month...for the last 310 days. I can no longer deal with the injustice and unfair treatment from USAA.

On June 25th, 7 months after USAA told me that my vehicle was declared a total loss, they sent me a letter denying my claim and told me to go pick up my car from the junk yard where they took it back in November, and that they have no interest in the vehicle...I had my vehicle towed to the dealership for repairs, USAA removed my car from the dealership, telling myself and personnel at the dealership that it was a total loss...yet they tell me in June of 2009 that I need to go pick up my car.....they have no interest in it.

m of richmond hill, GA September 13, 2009

this claim started in april, i let it go, i let it go, personally I thought they would contact me, i didn't even get the police report right away, then since a few months now, and i contacted them, and faxed over estimates, paper work, pictures, police report, and now i am doing all the leg work, i work alot of hrs, and don't have all the time to do this, i cannot reach anyone on the phone all the time, and had even asked for a floor manager, or supervisor, and i come to find out, he is just as complacent in getting back to me. I have submitted everything i needed to, and at first i asked for very little, and didn't even include the plants and trees, that were crushed and destroyed by the insured that had run into my property, and i did not include the loss of my cat, because i could not be sure if they did it, since trying to call them and then they say they dont get the fax, or the email, or the phone call, and now trying to make me wait again for payment,and i was the one that got hurt i repeat, i have not consulted a lawyer yet, but now they should pay me double for the amount of the claim, of taking so long, and acting like they didn't get the info, and i didn't include if the whole fence would have to be replaced for it all to match, and i exlained the property, and was trying to be nice, but now they just ignore it, and i see waiting for them to take care of anyhting, they want to over exhaust the inflicted, and think the inflicted will forget about it, well this is no way to handle a claim.

Paul of Apple Valley, CA August 25, 2009

I am a retired USAF officer. I have been a member and have insured my auto's with USAA for 33 consecutive years. I, nor anyone in my family, have had an accident, moving violation, or filed a claim with USAA in those 33 years. In August of 2009 I received my 6 month renewal to find, without any prior notification, they raised my rates by a whopping 48 %. I live in California and the Los Angeles times had reported that USAA had just decreased their average premiums by an average of 7 % or about 104 for policy holders in the state. So I thought my new rate must be a mistake. I was wrong!

Josh R. and Mark G. told me the rate was correct and that, although there was an overall rate decrease, some rates had to be raised. When I started with USAA in 1975 the only people who could be insured with them were active military officers. Look at who all they insure now. They have expanded their membership to a point where, apparently, the people who the insurance company was originally designed to serve are going to pay much higher rates so the associate members can see a slight decrease in their rates. After getting absolutely no satisfaction from any person I talked with at USAA I went insurance shopping.

Got 8 quotes from quality companies like AAA, Amica, Geico, Progressive, Esurance,21st Century etc. for the identical amount of insurance I was getting from USAA. Every quote was lower than what USAA was going to charge one by almost 700 a year.

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