USAA Auto Insurance

Save up to $379 on Your Auto Insurance. Compare Quotes from Top Providers Now! Find the Best Deal and Apply! - Adv.

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!

Everett of tucson, AZ July 4, 2009

An 87 year old woman pulled out in front of me broad side on highway 86 and caused me to hit her on her left rear bumper and her insurance company who is USAA is trying to force me to take 20 percent liability and I refuse. This has been 3 months now and they are stalling and dragging this out. I have a witness who said there was nothing I could do to avoid the accident. The insurance company says because there was a bike lane I should have avoided the accident and because I hit her on the rear bumper. I explained there was not enough time to get around her and I hit the rear bumper because I was trying not to hit her door and kill her.

Doug of American Fork, UT July 1, 2009

A teenager hit my car and created 2600 dollars worth of damage. He damaged the driver headlight and dented the hood and RF panel. It cracked the bumber. USAA's quote was 3000. I looked at 50+ vehicles online and the average was a value of my car was 4100 dollars. He decided to total my car, based on his appraisal company that will not hold up in court. No questions no debate.

The absolute worst customer service I have ever been exposed to in 47 years. I even had my attorney call him and he also said that he was a jackass to work with. The worst he had ever dealt with and he has dealt with allstate insurance which held the record up till now. I told him not to send a check out because we were not done with our negotiations. He then issued issued a check for less than repairs and sent the form for salvage title.

He later canceled the check after the shop had deposited the check and now the shop is mad at USAA and me.

Mark of San Diego, CA June 10, 2009

My vehicle was stolen in California and I filed a claim with USAA. At that time they offered me a rent a car for up to 900. I told them that I had another vehicle that I could use for the time being but may need one down the road. But I got a different story after dealing with the very unfriendly woman that was handling my settlement. She made me an offer to settle the loss, and I did not agree with the price she offered.

So since it was apparently going to take awhile to settle, I asked for a rent a car as allowed in my policy and she told me she could only give me a week not a month since she had already made me an offer. I asked her to show me where in my policy it stated that, but she was unable to find it and she still refused to offer me what my policy allowed. That was the first issue. The second issue is that I did not agree with the offer because it seemed lower than I expected it should be. So I did some research and found that they were almost 2,000 below the local market value for my vehicle. I was an independent auto appraiser for ten years and have valued thousands of vehicles for insurance companies.

Therefore I know how to come up with a market value. I spoke to her about the soft offer and after correcting a small error for an option she left out, she stated, that is all she could offer and I would have to send in my own information that showed that my vehicle was worth what I claimed. I did just that. I sent in the ONLY comparable vehicles in MY MARKET area, and still she would not adjust her offer. I even went back and complained to my original useless adjuster they assigned me in the beginning and one or two of their supervisors. I was finally able to get on a three way call with them and the out source company they use back east that supplies them with the vehicle values. This company basically took every vehicle of my model sold within a two hundred mile radius of my home and added and deducted for equipment and mileage and averaged them out and that is how they came up with their artificial value. (THIS IS NOT A MARKET VALUE) I discussed it with them and they could not convince me that what they came up with was correct. They do not even consider any other source for vehicle values ie: blue book, NADA book or dealer quotes.

They only use their own concocted values. Also USAA stated that the department of insurance allowed them to use car sales within a couple hundred miles of my market to get a value for my vehicle. However the DOI told me otherwise and suggested that I file a complaint. I have been in the insurance industry for almost 30 years and I have never dealt with such an impersonal arrogant company as this. Their sales people are so nice and suck you in, but once you're in, you're treated like dirt. This is my second bad experience with them and soon to be my last. They know that I will eventually take their offer since I must now spend my money to hire an outside appraiser to help convince them to make a better offer. This is how they settle their claims for less than what they owe you. They make you spend money to fight them, knowing that nine out of ten time you won't, so they win. My claim is still unsettled four months later.

Jamie of Raleigh, NC June 9, 2009

I own a 2008 Honda Pilot. In August of 2008, my vehicle was rear-ended and shoved into the car in front of me. The total damages to my car was just under 11,000. In NC, when you car is wrecked, to total it, the damage has to be 75% of the retail value of your car. My car was fixed and returned to me. So, according to a couple of dealerships, my car is now worth between 13,000 and 14,000. (It was originally worth around 20,000).

May of 2009, I rear-ended someone. The damages to my car this time were just over 9,000. Guess what, USAA wont total my vehicle. After talking with some dealers, my car is now worth about 7,000 after it gets fixed. I still owe WAY more than 7 grand on my car. I was told by the same dealer that my car should have been totaled this time (I have GAP insurance), that the 2 accidents together are way more than 75% of the value of my car. Now I am searching for the "correct" type of attorney to handle my case and tell me if each accident should be treated separately, combined and what value of my car they went off of this second go around. I really would like this car totaled...

Garrett of Pinehurst, NC May 27, 2009

Had a car accident in 2000 and my Mazda Protege was declared a total loss. Received compensation and a refund of my insurance payment for 313.00. Forgot about my refund check and found it, asked for a reissue and was told it was escheated. Checked Texas and North Carolina state government and received no reply or verification of escheatment on. USAA did not follow escheatment process, contacting me first before escheating the funds elsewhere. Now they have made the funds mysteriously disappear. I faxed them a copy of the refund check and attached a copy of my driver's license for id purposes. Received no reply. Apparently complaints against USAA are mounting in many areas.

Garrett of Pinehurst, NC May 27, 2009

Had a car accident in 2000 and my Mazda Protege was declared a total loss. Received compensation and a refund of my insurance payment for 313.00. Forgot about my refund check and found it, asked for a reissue and was told it was escheated. Checked Texas and North Carolina state government and received no reply or verification of escheatment on. USAA did not follow escheatment process, contacting me first before escheating the funds elsewhere.

Now they have made the funds mysteriously disappear. I faxed them a copy of the refund check and atttached a copy of my driver's license for id purposes. Received no reply. Apparently complaints against USAA are mountain in mnay areas. I lost 313.00.

Report Your Experience
If you've had a bad experience -- or a good one -- with a consumer product or service, we'd like to hear about it. All complaints are reviewed by class action attorneys and are considered for publication on our site. Knowledge is power! Help spread the word. File your consumer report now.

Share		Follow us on Twitter.

Back to the top |