USAA Auto Insurance

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Kathryn of Osprey FL (11/29/06)
While stopped for a bridge opening, I got rear-ended. The car that hit me caused a lot of damage to the rear and quarter-panel of my car, along with the front end where it shoved me into a cement wall.

What I nightmare I had dealing with this company! I have been insured with USAA for over 25 years, and have unfailing sent them a check every month to insure numerous cars, boats, and rental units. It took them over two weeks to call the car totaled. Then they would only give me 1000 on a car that I had just rebuilt the engine on. When we asked what exactly we were supposed to buy with 1000 that had a new engine, new tires, T-tops, and had been reupholstered, we were told that was our problem.

I faxed in over 5000 in receipts for this car, but because we did the rebuilt job ourselves, we were told the receipts were simply maintenance. They would not simply start the car and see that it ran like a top, nor look at the tires to see that they were nearly new. So, I, who did nothing wrong, am currently out of a car, and now have a whopping 1000 to pay for a new one. Bluebook put the car at closer to 3000 without a new engine, but USAA said they don't go by Bluebook values.

Apparently, they just pull a number out of a hat, and that's what you get stuck with. USAA will of course collect from the other persons insurance so they will be out nothing. Oh, and I had full coverage on this car for over 10 years. But I did not have a replacement clause on the policy. So they were happy to take my checks for full coverage for 10 years, but when it came time to pay up - well, good luck!. Like the other gentlemen stated, I figure I have sent them 25,000 to 35,000 since I have been with them with one claim in 1982 that they paid 800 on, and perhaps four tows since then. We only got the rental car for 30 days, even though it took them 3 weeks to tell us how much we were getting. It took 32 days for them to FINALLY send our 1000.

Their adjusters NEVER answer the phone, and when they finally call you back, they act like they are doing you a big favor. Rude, insensitive, and unprofessional. I will switch to another company as soon as I can, and get the cheapest coverage I can, as the more expensive insurance does absolutely nothing for you. I am so disgusted with this company. All my years with them meant absolutely nothing when it came time to make a claim. Buyer beware - you won't get anything from this company except the minimum they can pay. And unless you get a lawyer, that is what you are going to be stuck with.

Michael of Tigard, OR April 18, 2006

Michael of Tigard OR (04/18/06)
A woman hit my parked car and left a note admitting fault. We called the number she left and tried to work with her and her husband with regards to the damage. They told us to go get some estimates and call them back. We went and got two estimates and called them back with the amounts. They said because of the dollar amount, that they will now turn it over to their insurance. They turned it over and then the hell began. They sent out someone to estimate the damage made to my car and first off, they were supposed to let either me or my husband be present; which they did not do. Then, they later come back and said it was just a scratch and the damage was an insulting 34. The actual damage was at least 400 (the lowest of the two estimates we got).

We went back and forth with USAA over sending out somebody who could accurately estimate the damage and every time, they failed to return our calls or set up a time to do so. Fed up, we filed a small claim against the people who hit my car thinking that it would be faster to get the money from them since A) they left a note admitting fault B) they indicated working with us with regards to the damage by both talking to us and by two voicemails they left on our machine C) she knows what she did and from speaking to her, she wants this whole thing resolved too. After all, if the damage was only 34, why did she leave a note with her phone number saying let's work on this?

But currently, they haven't even picked up the note left on their door by the post office to receive the small claim that we filed. Now, I'm worried that their insurance told them to not pick up any mail that looks suspicious (ie: certified mail) so they could prolong paying us. And just to locate them has been a pain, and we may need to send out a sherriff or 3rd party in order to get this claim to them. The whole thing has been a fight with USAA. Then, they have the nerve to say that if it does go to court that they would turn their litigation team on us.

Patrick of Ridgefield, CT April 3, 2006

Patrick of Ridgefield CT (04/03/06)
My Volvo V70 Grand Luxury Turbo Wagon, while parked was hit by a USAA insured member.

This insurance company would not authorize new replacement parts and would not provide a comparable rental vehicle. In summary, I was without my vehicle for more than 19 days and accrued rental car expenses in excess of 600. I expect to recover my out of pocket expenses from my Insurance company. I am sorry for other individuals out there that have had similiar experiences with USAA Auto Insurance. This company is focused on meeting the very minimum level of responsibility.

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