USAA Auto Insurance

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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.

Chase of fredericksburg, VA August 10, 2009

USAA violates Virginia laws and engages in unfair claim settlement practices: Total Property Damage is about 7200

Anne of Gahanna, OH July 21, 2009

I was rear ended on April 22 while I was sitting at a red light in my 8 month old car . The lady (a USAA insurance user) that hit me pushed me into the car infront of me (with my foot still on the break) causing my air bags to deploy. The lady came out and said she was sorry and then asked if I was ok...um no I was bleeding from the air bags. As I stood there with the girl I hit she went back to her call and sat on the phone. 2 other people helped me push my car off to the side of the road. The cops came and stated she was at fault and she admited it too. There were no skid marks showing her attempt to not hit me..she creamed me at about 45-50 mph. She never made an attempt to see if we were all alright besides after it first happened. She sat in her car the entire time on her cell phone.

That was just the tip of the iceburg...the next day I called my insurance company to follow up with the message I had left from the night before. They told me that seeming she was at fault her insurance company is the one responsible for paying for everything. So I went and rented a car so I could get my life back on track and tried to contact the lady that hit me to get her claim number and I never got ahold of her. That was until she called back by accident.

I was told that they would pay for the rental car not to worry. Well one week goes by and I don't hear anything then I get a call from Donald H stating that my car was a total loss. He said that they would offer me 10,200 for my car so I told him before I agree to any number he needed to send me the report. He compared my car to cars that were the same model but had totally higher miles or different features. I called him back telling him that I would not settle for any less then 12K. But after forking out over 600 for the rental car I took the settlement that he raised by a little bit. I still got screwed out of 2,200. And in order to get my new car I had to finish paying off that 2200.

He told me that they would pay me back for the taxes on the new car, but of course not the full amount. I got one check for part of the amount made out to me and the old lein holder. I called him back to see what the check was for and to see where the tax check was and he said that he would send it. I brought up the fact that it was made out to me an the old lein holder, he stated that since there was money left on the lein that I needed to send the check down to them (the old lein holder) and have them cash it and then send it back. I told him that the lein was paid off and I have the lein with the paid stamp on it in my hands. He then stated that he didn't know that and that I had to prove that the lein was paid off before I could get the check cut in my name only.

I got a little pissed at him and he hung up on me...so I called him back and of course got his voicemail. I told him to stop payment ont the 2 checks that were made out to me and the lein holder and that I would fax the proof that the old lein was paid off (which that was not on any of the letters I got). That night I went home and got the lein and faxed it first thing in the morning. Knowing that it takes them 24 hours to get the fax I called later the next day. He was not in his office and left someone elses number to contact if we had any questions. I contacted her and never got a response. So the next day I called again and there was a different number for a different person to contact...so I contacted her. She DID call me back and over nighted me the check. I then told her that Donald is awful and a total A. She said she was sorry and that the check would be sent ASAP. If it was not for her I would still be waiting. I am still waiting to settle up on my lost wages and other money. But dealing with USAA has been the worst experience I have ever had.

Erin of Arroyo Grande, CA July 21, 2009

On July 5th, 2009 at 4pm our truck was hit and damaged by a member of USAA auto insurance. The member contacted USAA insu. by phone at the time of the incident and the agent, Letty M, took the information from both parties and gave a claim number. She assured us that an agent would contact us mid week to let us know how to proceed. At this time, Letty gave me no indication that the car that hit us was not currently covered by USAA. The police officer present was turned away with no police report filed because the insurance agent gave varrification that all was good. It turns out that the members have never given USAA auto ins. any proof of purchace or ownership and therefor USAA cannot start the claim and wont cover any costs.

This simply shows that USAA not only cannot do anything but also gave false and misleading information which allowed their member to drive an uninsured vehicle across country from Utah where the accident occured to somewhere in Louisana. A police report should have been done due to the lack of the members responsibility to properly notify USAA before travel giving USAA the proper paper work to cover any problems. USAA is still waiting to here from the member but the member has moved and is not returning any phone calls made to the phone number they have. so we are stuck with the bill at this time.

Yvette of Vass, NC July 10, 2009

Desperate and greedy, this is how I describe USAA. I've been with them several years now and due to the economic hard times, USAA is making up for this by increasing their member's auto and homeowner insurance to offset their losses. I canceled my auto insurance because of the ridiculously high and unwarranted increase. Excellent driving record and no accidents that were my fault. Several days after I did that, my home insurance has now increased. I'll will cancel that as soon as I secure another policy with another company. I am so disappointed with USAA. Not only are they unscrupulous, they are vicious, desperate, dishonest and vindictive. I don't trust them at all!

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