USAA Auto Insurance

I was in an accident and I got T-boned. There was no witness so no ticket was given to either driver. However, my USAA paid to fix the other car's damage. When it came time to renew my insurance, they stated they were going to cancel my policy because of too many accidents. I was paying $147.09 amount and they told me in order to renew I would have to pay $1,000.00 a month. They suck.

I was a USAA member for 46+ years since 1964 when I was at OTS at Lackland AFB. I had car and home insurance, a credit card and 2 savings accounts. Also, my husband's and my IRAs were with USAA. My husband needed his IRA for legal defense and I had power of attorney to affect any and all legal, financial and personal activities in his name.

When I called USAA to request a distribution from his IRA -- he's well over 59 1/2 -- they insisted to know the reason. That's where I went wrong -- I told them he had legal issues. Before they would distribute his money, they insisted on my putting the reason in writing, even though I proved to them I had power of attorney. Once they had my letter, they told me they would not renew any of my insurance policies and were ending my relationship with USAA.

After 46 years, mind you! They told me if my husband died or I divorced him, I could reapply for membership. A few months later, toward the end of 2011, I got a call saying they were closing my savings accounts and my credit card, and denying me access to their website although I still have my IRA there. The "customer service" person who called couldn't tell me why the action was being taken, saying I would receive a letter of explanation.

When it arrived, I was livid. The savings accounts were closed because of "failure to meet contractual agreements" and the credit card was revoked "because of irregularities in the account". Both untrue! My bills have been paid in full each month for all those years and I have credit reports to prove that. I'm afraid those false reasons will adversely affect my credit rating. I couldn't be more disgusted with USAA. Now they've begun advertising on TV -- "we know what it means to serve". There was a time when they did -- no longer!

On November 3rd 2011, I woke up feeling great it was a Thursday. I went to work, had a great day at work and then left to head home to pick my daughter up to take her to the middle school basketball game where she was a cheerleader. However, only 3 minutes into my drive home, an idiot turns left off a side street directly into my car as I was coming straight down a hill at 45 mph. Yeah, she got t-boned. The impact was so great that I ended up mostly down the hill where her car spun quite a few times and laid rested most of the way up the hill. I immediately felt searing pain in my knees but I realized for the most part I seemed to be okay.

A couple of great passersby stopped, got out of their cars in the cold freezing rain to see if we were both ok. Police arrived. One ambulance arrived and my husband showed up 10 minutes later. The firemen asked if I was okay and at this point, the pain in my knees and neck was really setting in but they stated it'd be another 10 minutes before they got another ambulance but since my husband had just shown up, I could ride to the ER with him since it was like half a mile away.

We get there and pain is just shooting up and down my spine. As soon as the ER doctor hears, I've had a spinal fusion. 2 metal rods, 10 screws and 5 brackets were placed in my back previously. He immediately puts a collar on me. They do all the x-rays and ct scans and nothing is broken. He says with having scoliosis and having a slight curve at the base of my neck, the whiplash is going to probably take longer to heal than it would for someone with a perfectly straight spine. I was on pain pills and muscle relaxers 3 times a day for 2 whole weeks before the pain started to subside. The knees were not broken. I could walk but they were bruised for almost 2 months.

We notify USAA. The driver of the car was ticketed, no valid license and improper lane usage causing an accident. Still USAA charged us the $500 deductible even though she was ticketed. They gave us a rental and said they'd pay us for my car since it was totaled. They took possession of my car within a few days, told me I had to send the title to them before they would issue payment. It was paid off. I send them the title. We wait and hear nothing. We keep trying to call Gloria S., our claims contact through USAA, and kept getting her voicemail and she wouldn't return calls. So they have my car, have the title and still haven't sent payment for it. I have to return the rental. My car was paid off. I was waiting for them to pay me off so I could purchase another car without having to obtain another loan. So now time is up on the rental and, of course, we could keep it longer if we paid for it. So my husband used his truck as a trade in so I could get a vehicle to get me back and forth to work. So he had no vehicle and had to ride with coworkers.

It was 23 days from the accident before they paid us. They stated they had to prove the other driver was at fault driver and they would reimburse the $500. I sent them the copy of the accident report, I even highlighted all the areas since apparently they don't have anyone employed intelligent enough to comprehend reading a police report and they still have not paid us back. Also, they refuse to go after the owner of the vehicles insurance. The lady driving wasn't the owner, the owner let her drive his car knowing she wasn't on his policy and his insurance First Chicago stated to USAA they were going to deny the claim stating their insured didn't allow her to drive the vehicle therefore, they are not liable. What does USAA do? Nothing!

I was out of work for 3 days an additional day to find a **** car at the last minute because I had to return the rental. They stated 2 days after the accident it was a total loss and it took 21 days after that to receive payment. I still have not received compensation for time off work, pain and suffering and tons of undue stress from USAA, the owner's insurance and the retarded driver who caused the accident. In this whole ordeal, we have faithfully had USAA many years as my husband is active duty air force.

It's deducted monthly from our account. My car again was paid off. I didn't even have to carry full coverage on it but I did because we are responsible and just in case something like this would happen and it did and there has been nothing but run around since then. Not once did USAA initiate any calls to us. We had to call over and over and email before we'd get a hold of Gloria S. and they also had the audacity to ask us when we first called to report the claim. "Well sir do you want us to go after the other driver or do you want to handle that on your own?"

We have been paying for full coverage insurance for? Isn't that your **** job? I'm going to press this issue and not let it drop until I am satisfied USAA and my claims adjustor Gloria S. are held accountable for how they treat their clients. If anyone else has come across complete and udder disregard while filing a claim through USAA contact me at my email address. I plan to compile lots of complaints and go to anyone who will listen, attorney, news, etc. My husband has given the last 16 years to the military. He pays his dues and we pay our bills and get treated like ****. I know I woke up that day feeling great and ever since that afternoon, it has been nothing but stress and grief all at the hands of the company we pay to protect us!

I have lost confidence in USAA over how they handled the situation. I have found out they are not looking out for their customers. I had a piece of roofing crash through my bedroom window in the middle of the night. I did not think my insurance would cover but to be safe I submitted a claim anyway. They sent a contractor out to my house to do the estimate. The contractor and USAA both explained that all cost below my deductible I would be responsible for, I understand.

This contractor put a piece of plywood over the window and is charging me $160 for $9 in materials and 15 minutes of labor. I never asked for this to be done but if the price was reasonable I would have no heartburn about paying. Second, looking at the quote received by this contractor, he wants $1,000 to replace the window. It just dumbfounds me that USAA does not try and help its members get a fair price and are not as upset as I am. Thanks to USAA, I'm spending $160 for a piece of plywood over my window instead of purchasing a replacement window which cost $160. I'm regretting I ever called you.

I was rear ended on 12/20/11 by a USAA policy holder. The totals adjusters use bully tactics to coerce you to accept their low appraised value for your vehicle. They are arrogant, rude, demeaning, and pushy. They insist they are quoting the law for your state as a means to force you to accept their settlements. Is that deceptive?

Check the laws for your state with the State Insurance Commissioner yourself. USAA is telling you falsehoods! They are difficult to reach and don't return calls. They have worst customer service if you even get any. Contact your state Attorney General and other Consumer Advocate groups to expose their unethical business practices.

A USAA insured rear ended my stopped car at 55mph. I was taken to the emergency room and treated. Since I am disabled, I had to have all of my disabilities checked. They repaired my car cheaply as they could and it is not any where near right. The repair shop said, that that was all USAA was willing to pay for.

Over a year after the accident, they have yet to have read my medical records. They want to settle for $5k. My ER bill alone was $10k. They have attempted and succeeded in modifying my medical records, an illegal practice with HIPPA. Furthermore, they have shared those changes with other insurance carriers. Without reading medical records, they have reported opposing views. The agent was not even familiar with the medical condition. Measuring 'idiopathic' changes is my favorite.

I was hit by a USAA client on 12/20/11 and until now I'm still waiting for their liability decision which the client has to admit that he is at fault. They could've ask him a long time ago when they called him. The adjuster was very rude and arrogant. My 2-year-old daughter was with me at the time of the accident and California law states that they have to replace the car seat, so I sent them all the information they needed and they called me saying they need more pictures of the car seat and some picture with price at Baby's R Us website that isn't really on the list, that I have to provide them and the adjuster says on her rude voice that ma'am the car seat is $199. I have 2 kids and I don't buy expensive car seats and from there I got really **.

USAA auto insurance is very slow and very unprofessional in handling claims that especially if your not a member. My family has USAA because my dad is a retired military man but I would not recommend this insurance to anybody.

I was rear-ended by a USAA customer on 12-19-11 and the adjuster arrived 10 days later to estimate the damage to my 07' Tacoma. I had been informed that getting my own estimates were useless but wanted to have an idea of what to expect should they try to underpay. Sure enough, they're offering less than half of my lowest three estimates. The adjuster did however tell me that if any discrepancies arise, he would be back out to the bodyshop to review what he had missed and reevaluate it.

I am a carrier of GEICO but I was hit by a USAA insurance carrier. The accident happened on the 9th and fault was not determined until the 18th, that being the USAA carrier. I immediately got a rental car once fault was determined and kept it until I was able to get the car out of the shop which was on the 28th.

USAA paid for the car only from the 18th until the 23rd because repairs were completed on the 23rd. The way I see it, they are making our pretty nicely here seeing as though they could have been paying from the 9th until the 23rd and I was only asking to pay from the 18th-28th. I asked to speak to a supervisor and after 4 voicemails, I got a call back. After 25 minutes on the phone I was hung up on by the supervisor. I work in a call center environment and this behavior is unheard of. Do not deal with this company. If you are looking to get insurance with them, look elsewhere.

I had full coverage with USAA on my '09 Charger and it was stolen. I had wheels and radio on it. I'm in active duty. I spoke with USAA and said they would cover rims and radio as long as I had a receipt. The car was found stripped on Oct. 10 and I took it to Caliber Collision for repairs. I was in a rental for a month, I faxed receipts to USAA for the rims and radio and been calling them looking to see what is up with the money. I just get a voice mail. As for my car, it's Dec. 26 and they're still repairing it.

I called Caliber and walked in there and spoke with the GM. They keep finding something wrong with my car that USAA that USAA don't want to pay for because they think they paid enough. I pay $250 a month for full coverage for a reason, so things like this won't happen. For 3 months, I am without a car and still have to pay for a car payment and get treated like **. Not to mention, I did not get money for what I work for and not get a call back when I leave them a voice mail. I will close all my account with them and look elsewhere.

On December 10, 2011, our 23-year old daughter was driving our 2001 Chrysler T&C van when a woman ran a red light and broad-sided her. The woman proceeded to flee the scene. A police report was filed and USAA was called. Our daughter went to a doctor for pain in her neck and back a few days later. The doctor prescribed pain medication. By the way, I'm in Afghanistan.

It took over 3 days to get the van towed and we were then told it was a total loss. I looked the value up in Kelly Blue Book and NADA. KBB is $5031 and NADA is $5425, with mileage taken into account. Someone named "Ray" called my wife and said we had a week to find a car and that they would not pay for the car rental after one week. It took them 5 days to determine it was totaled, 3 of which the vehicle was sitting at my daughters job site.

The "appraiser" Gregg ** of CCC ONE listed the vehicle at $3555, which is way off the mark. I told USAA we were not going to settle for that amount: it wasn't our fault and we can not possibly get another vehicle for that amount. I tried for 2 hours from Afghanistan to reach the numbers listed but only got their voice mail. The Evaluation Report provided by Mr. Gregg ** showed 3 other vehicles, none of which had near the options as ours, with values listed at more than $5000 "adjusted" to just over $3000. One was listed at $7995 and was "adjusted" to $3824. Like that explained everything!? It also listed several others (all 2001 Chrysler T&C) with the very same scenario. Listed at $6500 but "adjusted" to $3,651. Listed at $6,000 and "adjusted" to $3310. Listed at $6500 and "adjusted" to $3651.

My vehicles (six in total) have the oil changed every 3,00 miles, tires rotated every 5,000 miles and the plugs and plug wires are changed annually. The coolant is flushed annually as well. Our vehicles are maintained very well--my family rides in them! When I finally was able to speak to someone at USAA, I was given to Cindy, who sounded like Rainman's parrot, "Yeah...Cash value...Cash value ...Yeah ...that's the cash value of your caryeah!" She also said that USAA does not go by KBB or NADA but uses independent adjustors. I told her there was no way we were going to settle for this amount! I then received an e-mail stating that USAA had sent me a message. When I went to their web site and opened it, I found out that the USAA person handling the case, John **, had downgraded it even further! Not one person has asked if my daughter is okay! I find their attitude and action reprehensible and when I get this resolved to my satisfaction I will be cancelling both my home and auto policies!

Our daughter still has a sore neck. I have contacted attorneys in two states as the more I look into this the more deceit and dishonesty going on. I am waiting on replies. Why is my own insurance company trying to cut my throat for an accident that wasn't our fault? I would hate to think what hell we would be going thru if our daughter had been severely injured? Any information or advice is greatly appreciated.

I recently was involved in a car accident driving to school on the LIE. The guy in front of me slammed his brakes and I wound up rear ending him. Nothing happened to his car; however, my hood was crushed up and the radiator was slightly tipped at the latch spot along with a headlight out and bumper slightly damaged. I filed the claim and the car was towed to a local body shop. I called in the next day to make sure someone comes in and assesses the vehicle and they okayed it, saying after the weekend someone will come in. After the weekend I called the shop to see whether someone came in or notnobody. So I called USAA and they tell me I need to "release the vehicle to them" so they can tow it from Queens to somewhere in LI.

I told the woman that I didn't want to do that because as a commuting college student that is very time consuming and that I just want the car to stay and get fixed at that shop since it's already there. She said that if I don't release the car to them it will be a "total loss" because of storage fees. So I called the shop and asked them about the storage fees and they said there are none because the car is repairable. I called back USAA and told them this and this woman was persistent that if I don't release the vehicle, then it's a total loss. After a few minutes arguing I finally drove out to the shop to check out what exactly was going on. The shop got USAA on the line and once again the spokesperson was insisting I get the vehicle towed to their "inspection station" to avoid storage fees. The body shop owner was explaining that there are no fees since my car is in fact repairable.

So finally USAA gets all huffy and tells the shop they'll send someone in that day. Two weeks go by and still no one has bothered to go in to appraise the car. Finally, I get this guy by the name of Jay ** to look at the car and he deems it a total loss. At this point, I extended using the rental, which I got hit in my pockets, because someone incorrectly explained to Enterprise the way the rental car portion of insurance works. So Jay looks at my car and tells me it's a total loss because there is "too much damage".

The company, even before going to look at the car, already insinuated my car is a total loss and the body shop owner was even appalled that the company was already totaling it out before even looking at it. Everybody at the shop said its fine, the car is drivable and there is no engine damage. The appraiser told me that the fans are pressed in and the radiator is up against the engine, but lo-and-behold I opened the hood and nothing is touching anything. The AC works fine, the car is not making any funny noises or overheating.

On top of that, he decided to take into account things that weren't even remotely related to the accident. I just installed TRD struts and spring and he told me I need a wheel alignmentwhich I do, but any knowledgeable mechanic would tell you after replacing the suspension is what needs to be done plus the little latch on the trunk of my TC. So after doing all the leg work and making all the calls, and being put off for weeks, my car is totaled for essentially about 2500 in damageyes, I already got an estimate from a shop and all my parts OEM.

I am a retired soldier out of the US Army. On Oct. 5, 2011, I was done packing up my house on base at Fort Knox Ky, and had a buddy over to help me load my 2001 Mustang GT that I have spent the last 2 years building. With over 50grand invested in this car, I wanted to be as careful as possible, hence the friend's assistance. As he and I were loading up my car onto the trailer I had rented from U-Haul, the front bumper got caught on the lip of the trailer. We tried to load this car 3 different ways. Out of options, we tried one last way, and it didn't work either. The front bumper was ripped off of the vehicle and was under the car. It ended up damaging the bumper, fender linings, fog lights, left headlight, the headlight/ radiator support mount, and my VIS Racing after market 3.5in Cowl Induction hood.

Now, this hood is a $1000.00 hood before freight shipping. When I put the hood on the car, I knew that if anything ever happened to it, USAA wouldn't pay for it unless it were specified in the policy. So I told them about the hood and every aftermarket part on the vehicle, which is pretty much the entire power and drive terrain. This particular vehicle was listed and insured as a recreational vehicle and not driven everyday. We loaded up the vehicle after pulling the bumper out from under it, and just went on with my trip. I stopped in Tennessee at my father's house, and unloaded the car there. I then notified USAA of the damage and told them what happened. They said no problem, not a big deal. I went ahead and moved my stuff to Texas back to my home of record, and a week later I came back up to Tn.

USAA told me that they only had one shop in the area, but I could take it anywhere. But they still wanted to send out a rep from an appraisal company to over look the car. About 3 days later the rep shows up, looks at the car which was on jack stands at the time because I had to reinstall the drive shaft. He spent about 5 minutes in total over looking the car, snapped some photos and was off. I paid to have the car towed to 7 different shops in Jackson Tn, and everyone of them were scared to mess with the hand woven carbon fiber hood. They preferred to replace it. I had no issues with this, but every shop really didn't want the liability of the job. So after about 2 weeks of looking, I found someone who was willing to do the work in his home shop. He is a certified body man, and comes very highly recommended.

He said no problem, and he would do it at half the cost of labor. USAA said it was a 4-day job, but as my body guy started the repairs, we both started getting the runaround for the hood. In the initial assessment written by their rep, it said on the very first page that the hood was after market and would need to be replaced. USAA did not pay me for the hood upfront. They said to try and have it repaired, mind you, they knew what every repair shop recommended, even theirs said the same thing about the hood. I have been in a rental car that USAA set me up with this entire time.

It is Dec. 10, 2011, my hood was finally paid for the next day, and it's going to take another 7-10 days freight delivery after I order it. Only they don't make that hood anymore, so now I have to figure something else out now. They informed me that I need to return my rental and that I owe on the car since my limit ran out on Nov. 26, 2011. A manager named Audrea from USAA told me to go get my car, and drive it with the damaged hood until the new one comes in. I asked her if she were out of her mind, and at this point I really hoped they were recording the phone call because that was the most insane thing I've ever heard of. I was not going to pick up my car until the new hood was delivered and installed. I got a call from Enterprise this morning and they informed me of my bill at this point.

I am a combat veteran from the Army and have been treated like the biggest pile of hot garbage by this company whose whole purpose is to support the military and their family. None of the formal complaints that I filed have gone anywhere, my car still is not fixed, and I got stuck with a $400.00 plus rental car bill at this point. This is all because they refused to pay for the hood from the beginning. I will not pick up my car until it is completely repaired, because if I do so, that eliminates USAA of any further responsibility. If this is how USAA treats a veteran, service member, or anyone else, I will never recommend them to anyone else. I am also canceling all insurance from them and both bank accounts. Stay away from this company at all cost!

I had my insurance set up through USAA, because I am a veteran, and heard they were good for people who were in the military. Everything was good for the first few months, then there was some sort of problem, where all of a sudden they dropped me, and wouldn't tell me why. After numerous attempts to get an explanation, no one would talk to me at all. This was in 2010. I now have a different insurance provider, and I began to get pulled over for no insurance coverage, because USAA has me listed as coverage inactive, and they will not fix this, even though they dropped me.

I called them to try and get this matter resolved, and they refuse to fix my situation. This has been going on for months. I was almost arrested twice, and today my tags were taken. I am considering suing USAA because this is ridiculous. I don't recommend them to anyone.

I had bad accident with one of USSA's insured clients. Their client hit me from the back and was drunk. The police reported its fault in the report. My car is damaged. But it took a week for USSA just to look at my claim, and another week to send me to their own shop. Then, it was not good enough. So, we had to go back to the same shop for another inspection. Since then, we've been calling and leaving messages. No one is returning our calls. The agent and supervisor are on vacation. These are the worst people I've dealt with in my entire life. I just want to fix my car and get their drunk client off the road. What a shame!

My wife hit a deer in her 2002 Toyota Solara on 11-15-11. The front passenger side was damaged. She is okay but I had many problems dealing with USAA. They booked a rental with enterprise and a tow truck. The tow truck took two days and the rental car company made my wife wait three hours for a car after she already had the conformation number for a car USAA covered. 8 days after the accident enterprise called saying the rental car must be returned on 11-29-11. This call was received the day before thanksgiving, so we spent two hours trying to get someone from USAA on the phone. When we got a person on the line, she said the car is unrepairable and they gave the settlement amount (which was a very fair price $8200, blue book was $6100, we had just put new tires and had some preventative work).

She said, she would next-day some paperwork and we planned for this to be here Monday, 11-28-11, since the holiday. Well, the paperwork is not here and now they are asking for the rental to be turned in Friday 12-2-11. They just told us on the phone that they are sending the paperwork now, since they could not find a tracking number for the one sent last week. What all this means is, we can't buy a new car until we are paid for the wrecked one, and we can't get the money until the paperwork is turned in, and the paperwork can't be signed until they send it.

On November 1, a 16-year-old ran a red light and hit the front bumper of my car. The police faulted the driver who ran the red light. They also had the report from a witness. The violator has USAA. We contacted our agency, then picked up the police reports and faxed them to our agent, who in turn faxed them to USAA. The first agent from USAA, Wendy, could never be contacted, or would not return any of our calls. We called several times to see what the hold up was. We asked if they needed anything. No one would answer any questions.

Our own insurance representative said that they were not very forthcoming. Eventually, one agent told me that they were waiting for the police report. We had faxed it 7 days earlier! After another 4 days, we got a call that they would not pay because they feel we were also at fault!

It's November 15 and we still have not received compensation for damage to our car. USAA , won't call you back, will not give you an honest answer and don't pay for damages caused by their insured. Pray you never get involved in an accident with anyone who has USAA for auto insurance. It was a nightmare!

I was told how wonderful they are and that being in the military, I should most definitely be using them. When I called to try to get a quote, I was told they have me on file for an application done years ago while I was overseas. When taking my updated information, I was informed that they have my spouse on file as deceased. She told me that she couldn't correct the error that day, but that it would be corrected the next day and she would call me.

I received an email from them, but not a phone call, telling me to go ahead and register online. When I tried to do so, it told me that I couldn't enter my spouse and to call customer service. This was a month after the original time I called. When I called, I was told that my spouse was still listed as deceased once again and that they couldn't fix it this day, and for me to call them back during the week to try to get this resolved. What terrible customer service and data entry. I could only imagine the mistakes they make in entering people's policy information and how much extra money people are paying because of such errors.

USAA is the worst conceivable in paying claims! 5 months they have stalled and lied and contradicted themselves. The only possible explanation is to delay payment. Stay away from them at all cost! Burn them all at the stake!

I was involved in an accident with a USAA insured driver on September 18th of 2011 while on a long weekend trip out of town. Their driver and I were traveling westbound on a 4 lane divided highway. He was in the left lane I was in the right lane. Traffic in the left lane stopped abruptly and he was unable to stop in time so he made an un-signaled rapid lane change to the right. My left front fender was even with his right door (pick up truck) and his right bumper and fender impacted my left front fender just forward of the wheel. Well, by the time we impacted, my full size SUV was knocked across two curbs and his right fender drag down the entire left side of my vehicle. I came to rest on the median between the highway and service road and he stopped about two feet behind me partially on the median..

Police were called and reports filed, there was even a witness that came forward and volunteered her contact information.

I reported to my insurance company on September 22nd and was advised to deal directly with USAA so as not to lose my Safe Driver discount. I reported it to USAA on September 23rd and was given a claim number. They also told me their insured had not reported it yet and they would call as soon as he did. I waited a week and with no call back before I called again. I got a different person (who had to review the file wasting 15 minutes of my time) who then told me that their insured has still not contacted them. This went on (with me calling at varying intervals) until the end of October when for the fifth time they told me that their insured still had not contacted them. At this time I contacted my attorney and made an appoint to turn the problem over to them.

While waiting for the police to arrive, I had learned that the young man driving was in the US military stationed at a base in the northern part of the state. I sent a letter to the Base Commander on Friday October 28th asking for help locating this young man. I received a call on Tuesday, November 1st, at 0815 hours from the base top NCOs adjunct who promised to take care of the problem rapidly. At 1145 hours, I received a call from the young man's section NCO who provided me some insight on what was going on. The young man had filed a report with USAA on the 23rd and the NCO had a copy of it in his hands. USAA had requested more information which the young man had provided on October 5th (which included pictures of both vehicles) and again the NCO had a copy of the report the young man filed signed by a USAA representative.

I immediately called USAA and explained what I found out (this was still another representative who had to review the file while I was on hold for 20 minutes this time) and when she came back on the line, she said that their insured still had not contacted them. I asked to speak to a manager and got the run-around. I demanded to speak with a manager and was told to please hold while I connect you. After 15 minutes on hold, she came back on the line telling me that all of our managers are busy right now and would you like someone's voicemail? I did and left a message which was returned around 1400 hours that afternoon. I explained what was going on and was put on hold while the manager reviewed the file (this was getting old). When he came back on the line, he again told me that still he had not contacted them.

I explained what I had found out and he tried to deny it claiming that the NCO was lying to protect his man. I told him at this point I had an appointment with my attorney on Friday and would be in touch. He asked me to hold on a minute while he looked at something. He came back ad finally admitted that their insured had filed a report with them and added information as described, but they needed a verbal statement which they had not received. How many of you answer 1-899 numbers on your cell phone?

I am going to cut this short and say that there were many more problems and my car is still not repaired as of November 9th although USAA ha assumed liability for it. They like to play on words and are deceptive and drag everything out as long as possible. What has happened to honesty with American companies?

Just a month ago, while I stopped in traffic on an Interstate Highway due to an accident, I was rear ended by a USAA insured car driven by the 19 year old son of the insured. I was driving a sports car, with a stick shift, and when I saw traffic had stopped, I downshifted instead of jamming on my brakes and going into a skid. I was able to come to a complete halt with 6-8 feet between me and the preceding car, which incidentally, rear ended the car in front of her.

We had stopped a good 3-5 seconds before being hit, and driven forward several feet. USAA says that their insured says it was my fault so they refuse to deal with me. Their adjuster called me minutes before arriving without notice, while I was in a business meeting. The adjuster refused to reschedule the visit, and would not give any more notice than a half hour.

I made a personal visit to their offices in Virginia Beach, and they refused to talk to me. They did however refer me to one of their "Drive in Appraisal" shops. The police estimated my damage at $1,200.I estimated it at $1.500 and their shop arrogant as could be said it was only $452 in damage. A visit to two other body shops (one being another of USAA's drive in shops) said it was in excess of $1,500 and there was possible frame damage. This company should be investigated by the State Banking Commissioner for fraud, and incompetence. I rate them with a 1.

My car was parked in front of my house when the driver of the other car, USAA insurer, making a right turn, came across the street and hit my vehicle head on. Police were called and reports were filed. After submitting the police report, USAA will not release any money to fix my car until they speak to their insurer. They claim to have made several attempts via phone and mail but did not get a reply. It's been two weeks and I am paying for a rental out of pocket due to the severe damage to my vehicle.

I was rear ended by a USAA-insured driver on 3 Oct 11 as I was sitting at a red light. We exchanged information and she told me that she would be contacting her insurance right away. I got home about an hour after the accident and called her insurance myself and she had not made in contact with them. I gave all the information and they said that they would send out an appraiser to look at my car.

Three days later, the appraiser came out and then I went to call USAA back. At that point, I had to leave message after message with no call backs from them. Finally, I received a voice mail from the lady who took my call on the first day stating that they have not made in contact with the insured (Apparently, the driver lied and hadn't contacted her insurance company) and I don't even know how many times they even try. I was informed that they would be sending out legal letters to her if they could not make contact by phone. And if they did not contact her through letters, she would be uninsurable and be dropped from their company. By then, my claim "might be denied," which also means "will be denied."

How are people getting away with this? There really should be a police officer coming out to every accident (in Dallas, Texas, they won't unless you are clinging to life after a car wreck) but things need to change. This is ridiculous and I take her inability to call her insurance company as a sign of guilt. They kept telling me to file through my insurance and my insurance tells me to wait on them. And if I file through them, my rates will go up and I have to pay my deductible.

Insurance, flat out, is a scam but USAA seems to be the worst since dealing with their insured's accident of rear ending me. Now, when I talk to them, I get rude responses and attitude. What a horrible company. Nevertheless, I am still waiting to see what plays out as it has only been three weeks. I even filed a drivers crash report with the Texas Department of Transportation. We shall see what happens.

I gave them a "1" only because a "0" isn't possible; not that a "0" would be able to describe the quality service they give to people.

I was rear ended by a person driving a vehicle that they had borrowed from a friend, who was insured by USAA on September 17th, 2011. I called USAA and filed a claim on September 19th, 2011. They suggested that I get the vehicle damage appraised at one of their preferred shops. I took the vehicle to the shop and the person at the shop doing the estimates refused to give an estimate; because the vehicle needed to be taken apart in order to get an accurate estimate. So I took the vehicle back and notified USAA that the vehicle needs to be disassembled to get an accurate estimate.

Then, USAA gave me an annoying runaround about how a preliminary estimate would be fine. I got into a small debate with the Claims Rep as to why I had to use aftermarket parts cheaper than OEM, but I eventually gave up. They also assumed liability and put in a work order that would permit their preferred body shop to work on the vehicle; after I took the vehicle back a second time and got a preliminary estimate that equated out to about $1500 on October 7th, 2011. The shop had approval to work on the vehicle and I was already being hounded by Enterprise Rent A Car, as they too had approval from USAA to rent me a car on USAA's behalf.

The body shop rep told me to not drive the vehicle and get into a rental car on that day, but I insisted to follow the guidelines of USAA and wait to bring the vehicle in on Monday, October 10th, 2011. I eventually got the vehicle into the shop on Monday and I was in a rental car, with nothing more than a $50 deductible. All was well. Tuesday, October 11, 2011, I got a phone call from Enterprise telling me that I need to put more money down on the vehicle in order to keep it because USAA had suddenly reneged on their commitment to paying for the rental car and I had to pay $20 everyday for a rental.

I called back USAA extremely aggravated by their 180. Their reply was that someone had goofed up in the claims department and approved the work on my car too soon. They still had to get confirmation from the owner of the vehicle whether or not he allowed his friend to drive his car. But for whatever reason, they thought it fit to throw me under the bus for their own **. I got into a debate with them about how they could possibly pull a reversal on such a huge commitment, especially since they should have notified me "before" I put the car in the shop and had it dismantled. By this point, the damage estimate on the vehicle was just under $4,000 damage. Another debate to no avail.

The next day, October 12th, 2011, I got a call from their preferred body shop saying that USAA called and told them to halt all work on the vehicle. They had just fully disassembled it by this point. So I called them back wondering what is the big hold up? They replied that despite their initial goof up, they still have to wait for confirmation from their client; who by the way just happened to be deployed in the military. That made me absolutely vexed. That soldier could be gone for months, heaven forbid he actually dies. After that debate, about 1 hour later, I got a call from the Enterprise rep telling me that I have to cover the full expense of the rental. He was asking for $250 plus $48 for renting the vehicle on the 10th and 11th.

I bought a new truck in Dec 2010. My insurance is with USAA. They sent me a mail stating my renewal policy premium increase of $21.35 or approximately $3.56 per month. They said the increase is more than 60% of my premium increase because my 2011 Toyota is receiving a new vehicle discount, which decreases every year for three years. Moreover, they said that after three years the vehicle will no longer qualify for the discount. The other 40% is due to statewide rate increases.

They informed me that if I had any additional questions about my new premium, their team of member service representatives can review the policy and discuss options with me in ways I could save money. They can be reached at 1-800-531-USAA (8722) for further assistance.

On Sept. 27, 2011, a man, whose vehicle he was driving belonged to a woman who has USAA insurance, ran a red light and totaled my vehicle, causing me to spin 3 full turns on a busy city street at rush hour. 2 witnesses saw the whole thing. I was also injured.

That was 2 weeks ago, and my vehicle is still on my curb. I hired an attorney, but nothing has been done. The other guy is claiming that it's my fault, and I guess that USAA believed him over the police report and witnesses. They refused to talk to me which is the reason I hired an attorney in the first place.

I just want people to know that this insurance company is the most pathetic and unresponsive, and it has the rudest robots as employees. And there's no customer service! People, beware dealing with these people. They don't want to pay claims that are clearly their place to pay, and they cause people who aren't at fault undue stress and hardships. And they do not care! Geico, my insurance company, has been the most courteous and the best!

USAA refuses to pay for the first 4 days of rental because they have a "No Thursday drop-off" policy that does not allow customers to rent a car from Thursday-Sunday. However, USAA made the arrangements for me to pick up the rental car on Thursday 9-1-11. The representative knew the only reason for doing this on a Thursday was because the next day I had off work. USAA documented that I was made aware of their policy, but I never heard about the "No Thursday drop-off" policy until 9-13-11 when Enterprise called demanding the out-of-pocket payment for days not covered by USAA because the rental began on a Thursday.

When the USAA claims adjuster issued an estimate for my vehicle repairs, they estimated 7 days. The repairs were not done until 11 days. The repairs started on the same day I dropped off the car, Thursday. The first few times I called USAA regarding this issue, they said that if the body shop submitted some paperwork requesting a supplement, the extra days should be covered and my problem should be resolved. I called the body shop and they complied with my request to file for a supplement. According to my insurance company (Shelter), the body shop was paid for the extra days, but Enterprise was not. I paid the balance, $125.54 because Enterprise was going to report it to the credit bureaus and I'm currently in the market for a house. I cannot afford any blemishes on my credit.

I had an extremely difficult time in getting any answers to my questions. I often had to have a representative "put a note on the account" for a manager to call me the next day and very rarely would I actually receive a call.

9-30-11: I spoke with a manager by the name of Debbie **. She finally told me that the reason USAA would not cover the days was because I dropped off my vehicle at the body shop and picked up the rental car at Enterprise on a Thursday and according to their documentation, I was made aware of the "No Thursday drop-off" policy.

My sentiment about the whole situation is this: My car was damaged through no fault of my own. I made a claim against the other party's insurance and the repairs took longer than expected, also through no fault of my own. I feel that USAA should not even arrange for a Thursday pickup of a rental car if they have a policy against paying for it. The body shop was compensated for the extra days it took to repair my car, but not Enterprise. I feel that USAA should cover the $125.54 that I paid out of pocket.

In May 2011, I had an accident. USAA was my insurance. It was not my fault that the rear-end collision happened but they were horrible toward me. Ms. ** the adjuster went as far as blaming the military for my injuries. She demanded that I turn over all of my military medical records. This company is a sheep in wolf's clothing. How far will USAA go just to save a buck?

My parked motorcycle was hit by their insured driver that had been drinking and tried to run. I filed my claim and got the run-around. Now, they are only wanting to pay part of the claim and I am supposed to accept it. I want my motorcycle exactly the way it was. The estimate was $1,650.00 estimate but they only gave me a check for $1,240.00. It was like going to work for four days and getting paid for three.

I was hit by a USAA member in 2010. I believe he was high on drugs because he did not even get out of his car to see if I was okay. I got hurt and had to seek therapy for about 2 years. I did get an attorney, because up to this day, I am still suffering from my injury sustained from this car accident. I would not recommend this insurance to anyone. They are horrible to deal with and only want to make money not pay claims that their insured caused. I love my insurance Geico, they helped in every way. I am still suing and it has been almost two years. They are very difficult to deal with. I wish they would go away like they did in my favorite movie, "The Rainmaker".

My sister was driving my mother's vehicle in a parking lot and was in a travel lane. Another vehicle insured by USAA backed from a stopped position in a parking space and struck my mother's vehicle. The local police came and questioned everyone involved and investigated the accident scene. He then determined that the other driver was "clearly" at fault and issued a citation for safe movement violation. USAA later dismissed the police officer's investigation and stated that he was not there when the accident happened and that there were no independent witnesses so they denied the claim.

I filed a complaint with the NC Department of Insurance and USAA then stated that my sister contributed to the accident, even though there was no evidence of that indicated by the law enforcement officer. It appears that USAA is in the bad habit of denying parking lot accidents just to see what they can get away with. I picked up the paperwork today to file a small claims process against the driver and owner of the other vehicle - minor damage of around $600.00. Shame on USAA.

I have been with USAA nearly 20 years and considered it one of my best benefits from serving in the U.S. Army. My 16-year old daughter recently totaled our car and my consolations were that no one was hurt and I had USAA coverage. After waiting for weeks, USAA came back with a CCC appraisal of over 40% less than book value. USAA said that they don't insure to the book value or the replacement cost, just their actual value. I am not sure what that is, but apparently, it's whatever they decide it is.

I was told by a friend in the insurance business that they most likely saw a kid that they hadn't made any money on in an accident and sent the appraisal to CCC for a low ball appraisal to minimize the loss. CCC is infamous in the industry and is being sued all over the country for fraudulent appraisals and being investigated under RICO, etc. I never thought that insurance was an honorable industry, but I had thought that USAA was different. USAA hasn't worked with me at all, has ignored my letters, and the reply I did get was two sentences in response to a three-page letter.

Can you believe that USAA pretends to be honorable and "serve those who served?" This is as poorly as I have ever been treated by any company, let alone a company that I was previously proud to be a member of. I am shopping for a new insurance company. Although USAA told me on the phone that I have no alternatives or way of appealing this, I won't let this die. I am going to state insurance boards, Better Business Bureau, blogs, my congressman, the state and federal attorney general, etc. If nothing else, USAA is going to spend the money they thought they saved answering all these complaints. I encourage anyone else being strong armed by USAA to do the same. It's too bad--they had a good thing going.

I have been a loyal customer of USAA for the past 41 years. Over the years, I have witnessed a continual decline in their customer service. The instant issue surrounds replacement coverage for a new vehicle purchased at the end of August. When I contacted USAA on 9/12/2011, I was informed that USAA had temporarily suspended writing policies in my zip code for property damage insurance. This translates to no comprehensive or collision insurance. I am certain that this practice was put in place due to the recent wildfires that have plagued Texas. Even though I reside 40 to 50 miles away from the fires, they chose to decline coverage.

In my opinion, this is a form of red lining. I did three things. As Donald Trump would say, "USAA you're fired!". I contacted Farm Bureau Insurance and immediately placed my home owner's and three vehicles with that company. The third thing I did was file a formal complaint with the Texas Department of Insurance.

On June 12, 2011, my mother was hit from behind by a driver who is insured by USAA Auto Insurance. My mother called the police and has a police report of the accident. She then returned home and called USAA. She spoke to Craig ** who told her to take her vehicle to get an estimate for repair. The estimate came in at about $500.00. The lady at the shop told my mother that USAA are notorious for not paying claims. My mother called USAA several times only to get the runaround. Then finally on August 10, 2011, she received a letter from USAA. It states that they have denied the claim, saying that the police report does not have enough evidence to support this claim. They said there are conflicting statements.

I spoke last week to the officer who wrote the police report and who spoke to the other party involved. He told me that the guy seems to be honest and was not disputing the fact that he was at fault. The officer also agreed to call the claim adjustor, and tell him that the guy admitted the accident was his fault. I believe USAA is taking advantage of the fact that my mother is old and sick. The claim is not a large claim. And even the officer said he didn't understand why they are not paying the claim. After all, it is under $1000.00. I would appreciate any advice on how to help my mother get her vehicle repairs paid for by USAA. How is it that they can do this to people and get away with it?

USAA-insured car hit my car on the passenger's side while making wide left turn. The driver gave accurate account of accident to my insurance and they assigned her 100% fault. However, USAA never responded to demands from my insurance. They eventually said the driver gave them a different account, stipulating that I was coming from park.

With the traffic directions where accident occurred, if I were entering traffic, the point of impact would have been my driver's side and the passenger's side of other driver. USAA refused claim. When I realized through various conversations, USAA may have misrepresented the other driver's statement in order to confuse the matter, I told them and file small claim. USAA hired a lawyer for them and the driver. I filed motion to disqualify counsel for the driver because of inherent conflict of interest between the insured and USAA.

USAA hired a second lawyer and assigned the first lawyer to work for the insured. And they have been dragging the case on litigation for about six months with all kind of motions. The insured has become just a proxy who return all letters and doesn't even show to court.

It is obvious that USAA made a bad-faith determination, but more importantly, they most likely also lied and misrepresented the facts they had obtained in order to deny a claim. They have refused to share the documents such as a compulsory crash report by the state of Massachusetts, the statement they taped from the other driver, which I believe they misrepresent; and they started changing the location become confusing. However, they had made official statements to the arbitrator in order to win. The statements on file are conflicted with current statements.

On August 4, 2011, my daughter and I was involved in a car accident in Cincinnati, Ohio. The lady who hit our car was insured by USAA. This accident happened on a four lane intersection on Beechmont and Five Mile. On that day, me and my daughter were traveling through on Beechmont crossing the intersection with a green light. We had a solid green light. The woman who hit us with the BMW, thought on the other side of Beechmont that she had a green arrow, which she didn't. We had witnesses and she was also sighted for failure to yield right of way.

It happened on Thursday and they didn't do anything until I called USAA and talked to Jimmy **. Still when I called him, he gave me the runaround. He lied and said, "Oh, I will send someone to look at the car" but he never did. My daughter was rushed to the hospital. Her head hit the windshield of our car, her nose bled badly everywhere, the airbag popped and powder from the airbag got into her eye. Ambulance came and took us. She had bruises on her leg, arm, and my neck had pain as well as my right shoulder. I have a picture of what my 15 years old daughter's eye looked like. She could not see that day and have problem when breathing.

So now, he denied our claim and tried to say I don't have enough evidence to prove that me and my daughter drove through the green light. There is a witness in my favor and she saw me going through the green light. I know this is hard to believe, but it's true. I feel like something needs to be done. I'm not letting him, Jimmy **, do my family like this. If that lady paid any attention to were she was turning, we would not get hit. Now, we're left without a car and I'm not giving up. I want justice for my rights, I feel very stress and this has caused family problems.

I didn't know it was this bad reputation of a company. No wonder why they don't want to pay, but they will pay and as God as my witness, I would not lie about me driving through a green light in the middle of the intersection. I just had a bad feeling when I was told about her insurance because of the name USAA. I have never really heard of this insurance till now. Five kids and no car, where are the good lawyers at? I need one to help me fight this USAA. They can't do this to people out here who are struggling. While he has a nice car and having a good life, some people out here are left with nothing. What is needed to be done to file a Class A lawsuit to USAA? This cannot go on. I feel everyone's pain because of what, me and my family, is going though at this time.

My wife and I were in our car in a parking lot. The perpetrator backed into the side of our car. She immediately got out of her car and stated that I was in her blind spot, that she had good insurance and they would take care of my damage. The problem is that she was insured by USAA and they are notorious for not paying claims. This I did not know as I had never heard of the company and the perpetrator appeared to be a responsible individual.

When I called USAA, she had already reported the accident. I gave them the facts and then after a number of call, and always to a different individual, I was told that my claim had been denied. The claim was for just under $1,200.00 however, this company is only interested in collecting premiums and not paying valid claims.

I have been driving for sixty-one years and have never been involved in a major accident. My wife and I have had a few 'bumps' and never had a problem with the insurance company paying for our damage or the other parties. Our carriers have been GEICO, Farm Bureau and Progressive. If you desire a trip to 'hell', buy a policy from USAA. Please file this report with the others trying to warn individuals against USAA.

On 5/28/2011, I was rear-ended by a USAA-insured driver. The driver admitted it was her fault and stated to me, my passenger, two different sheriffs, and her insurance agent that the accident was her fault and that she was listening to a book on tape and talking on the phone at the time of the accident--when she drove up in under the back of my Jeep.

I spoke with my Insurance Carrier, GEICO, and the agent placed a conference call to USAA. The USAA agent said it was a holiday weekend and as I was out of town, that as soon as I returned home to please call them and they would take care of everything.

When I returned home, I called USAA immediately and told them I would take my Jeep locally to get estimates. I was strongly urged to accept one of their options--either let their estimator appraise my Jeep or their preferred option was to have me deliver the Jeep to their certified service center about 45 minutes from where I lived.

Accepting their strong arm techniques, I delivered the Jeep to the auto repair place and USAA had arranged for a rental car to be available for me to pick up and use while my Jeep was being repaired.

USAA did send me a letter acknowledging they would be responsible for damages.

Two weeks later, I received a voicemail from USAA telling me they decided my Jeep could not be repaired and they were considering sending me a check for approximately $1,622 and that I should relinquish the title to my Jeep. They also needed information regarding any liens that might exist against the Jeep. They also informed me that because they had decided to not repair my Jeep, the rental car must be returned immediately.

In the intervening two weeks, I never received a phone call nor was provided with the estimate on what repairs were necessary or recommended.

I called them back and told them their assessment was completely unacceptable. The Jeep was barely damaged, had everything new under the hood with full warranties, and had an appraised value based on the new manufacturer warranties of over $6,000.

The next day, I went and got my Jeep and returned the rental car to the repair center where it was picked up. The auto repair center gave me a copy of the estimate, which was seriously over estimated as to the work necessary. They also indicated they had told USAA the Jeep was in excellent condition and well worth the investment to repair at $1,506.

I took my Jeep to a local body shop and received an estimate of $599. The estimate included approximately $400 for a new tow hitch, which was to replace the hitch destroyed in the accident.

USAA General was supplied video surveillance of an accident and they are still claiming that they won't take any liability in the accident. Their party made an illegal left turn when he should have made a right turn, since he was in the right hand lane to turn right. The asphalt is marked with a right arrow only and yes it may be faded; however that should not matter. My insured driver was making a left turn which the pavement is marked with a left arrow only on to a single lane road. My insured driver made the turn following the flow of cars and as he was turning into a business on same road, the truck that should have made a right turn off the freeway exit decided at the last minute, in reviewing the video myself, pulled forward into intersection and then made a hard left turn (this is all on video).

In doing this, the truck created his own lane and in the video it is showing him trying to hurry and bypass another car that was in the center of the single lane road and he reamed right into my insured driver's car. Well USAA general is stating that my covered driver made an unsafe lane change bypassing the truck and cut the truck off while turning into a business to park. I'm sorry, but how is that possible when my covered driver was already in that single lane at least 3 cars ahead of the truck and pulling into a spot to park. In reviewing the video it shows the truck stalling to go through light. 3 vehicles went through green light exiting freeway all turning onto that one lane road.

Insurance board form was submitted. USAA general was notified of this on 5/13/2011. I contacted my insurance company and was told on 5/12/2011 that USAA General would have to send me a letter stating that the car was a total loss; because I requested to have the vehicle removed from my policy because it was a total loss. Why would I have to pay insurance on a car that is wrecked and has been in storage a body shop since 4/20/2011. Chris ***** from USAA General was told about this on 5/13/2011 and he stated that they don't submit those types of letters. I spoke with my insurance carrier on 5/16/2011 - Adjuster with Farmers is KC *** and he stated that he would call USAA General.

Since USAA went out and took photos and claimed that the car hit was a total loss that they would be responsible for the letter. USAA General will not pay Andrew **** for bodily claim, storage fees, and car rental claim. Andrew was admitted to the emergency room through Kaiser and x-rays were taken. My covered driver Andrew ** will be forced to quit school and work. He can't afford the car rental that he has had since 4/21/2011. He is currently paid up until 5/20/2011. I have been helping him financially, which I can no longer do.

3 of my insured vehicles. The perpetrators called promptly & accepted full responsibility. The insurance investigator told me, and highly recommended that I have my alignment checked. So I went to where he recommended, paid for it. I gave the receipt to USAA. He then told me that he forgot to put it in the estimate. Charles ** refuses to call Mike **, the investigator, to confirm. Tells me that its up to me to contact the investigator. He hung up on me.

The 3rd vehicle was a travel trailer. I went & got an estimate. They copied my estimate $2799 & reduced it by $1,000. & offered me $1,000. Not enough to fix it or replace it. I have called at least 25 times. The total damage amounted to $2,799 for the repair, which remains unpaid, & $59, which is the alignment bill.

On Jan. 20, 2009, a man with a USAA insurance crashed into our building after passing 3 cars on snow and ice. His lack of common sense is a whole different story. He was running at about 60 mph on 1 inch-thick ice covered with 3 inches of snow on a curve which posted a speed limit of 45 mph (a double yellow line was covered by the ice and snow). So he went about 150 feet off the road through a fence and a drain ditch and came to rest about 5 feet into the 1822 Motorcycle Company`s Showroom. He wrecked 5 bikes and destroyed the showroom.

The result of this ** action were damage to the roof, which is now leaking; 26 feet of wall was hit so hard that the bottom plate cracked into 3 pieces; top plate busted in two and the roof truss cracked. The remaining wall and fence of about 60 feet were damaged as well as the parking lot from all the tow trucks and firetrucks and EMT's that showed up.

So they sent a ** out to estimate the damage and he bids the job with an 8 ft ceiling when in fact my ceiling is 10ft. So right off the bat there is a 20% difference in bids before we even talked about the stuff they forgot to put in the bid like taking care of the parking lot, inspections, dump fees, engineers stamp on repair of truss and bottom and top plates.

We have been going back and forth over this matter in the last 2 years. All they have to do is measure my ceiling again, admit they goofed and add 20% to the bid plus the other stuff they keep forgetting about (like the damage to the parking lot and the fees for permits to do job).

In all my life I have never had to deal with a lower form of life than these at USAA. I mean really now, should I have to waste time in court over this? The fact remains that my ceiling is 10 feet, how ** can one be to bid it for only 8 feet? Blaise **, Jennifer ** and J Adam ** are the main ones in this nightmare. I ask out loud to anyone who can tell me how can they do things like this? Do they think that if they say 8, my place will just shrink in the middle of the night from 10 feet to 8 feet so they don`t have to confess that they made a mistake? And to make it simple for everyone, we posted pictures of everything at **. There they can see very clearly that our shop has a 10 foot ceiling. Avoid USAA like you would a 20 dollar **.

Let's see how has this affected us? Well for 2 years now the building has leaked every time it rains, countless man hours have been spent mopping up the mess and detailing bikes. The place looks like a flop house all boarded up on damaged side, which is the front side, parking lot is a mud hole from wreck, tow truck, EMT and firetrucks are everywhere, no curb appeal. Also, due to leaks and drafts, nothing can be put on consignment for fear that it does not move and the next rain may just damage them.

So I have been denied the ability to grow and expand due to the condition of the building that they refuse to pay to have fixed. I can't really put a number on that nor all the stress I have had to deal with between keeping doors open in a place that looks like a crack shack because of what someone else did and now what someone else won't do. It's very frustrating when you think about it. All I have ever asked from day one was to put me back where I was 5 seconds before this happened and they just can't do that. I can't even get them to admit the building has a 10 foot ceiling and that is a cold hard fact!

Because there was no personal injury but only property damage, no one really cares because this is a matter of what is right and wrong and not about money. If you came into my shop for repairs and I say it will be 450 bucks to fix and you say I give you 375, guess who is pushing their bike down the road not fixed. Lic Builder said it would cost this much to go away, so make it go away. How much have we lost due to this? It is really hard to tell but I do know my life would be a lot better off if this did not happen. Besides that all I have ever asked is that they just give me what is needed to fix everything and fix it right. I can't give a firm number on all my losses due to this but I can put a number on the repairs to fix it all back to what it was before Jan. 20, 2009.

I had an automobile accident on July 2009. The insurance agency has proof, via certified notarized document, that I was not liable for the vehicle accident. I was also not cited for this accident.

They have lack of support and assistance for loyal clients. I have been a good customer with USAA. I would like to maintain it, but they are causing me financial hardship. They put this accident on my record and this is resulting on financial hardship. This is not fair and this should be deleted from my record. Can you please assist me?

In the same day my vehicle was involved in a hit and run and my fiance backed into a pole. My fiance' reports the accident and since the insurance is in my name I call my insurance company USAA to verify that all documentation and the accident information was either done or needed. Here is where things start to get interesting; when I called USAA to verify the coverage's I was under the interpretation that I had a $250.00 deductible for comprehensive and collision.

I was told I had a $500 comprehensive and a $250.00 collision, but that could be easily fix and I already knew that by changing my coverage's would it would not apply to the accidents that had just occurred "My Mistake". USAA wanted to investigate the information and make it right if they made the mistake. USAA done their investigation and for the first time in my life I felt interrogated for using something I pay for each month to protect me. I have had 3 separate investigations and the conclusion was that USAA only did a partial payment and closed out my account.

On July 4th of this year (2010), my wife and I were involved in an automobile accident in which another driver insured by Government Employees Insurance Company (USAA) ran into the back of our vehicle while we were stopped at a red traffic light awaiting it to turn green. The driver of the other vehicle admitted responsibility and nobody has questioned that. It was a pretty hard hit with both the wife and I experiencing whiplashes to a different extent. We had decided to go home and recover but on the way home decided that symptoms of a injury problem warranted being checked out by the hospital.

The emergency room physician acknowledged the presence of the injuries, but in agreement with my wife and I, decided that we would take a "wait and see" approach on the significance of the injury prior to running up medical bills by getting CT scans, etc., at the time. After a few days, I was feeling better about the healing process of my neck and decided to stop any medical claim beyond the initial emergency room visit. I wasn't trying to capitalize on a minor injury. I didn't want to be stressed out over this. I just wanted the accident behind me, which is both reasonable and honest.

When the rep from USAA phoned me wanting to resolve the problem, I told them that all I wanted was for the initial emergency room visit to be paid for and that would satisfy my medical claim. The rep from USAA insisted on sending me $150 for pain and suffering, which I assumed to mean that something had to be paid to me for them to be off the hook by law. After consulting with my insurance company, they stated that they had no problem with that. So I cashed the check, and five months later, USAA has failed to be reimbursed for what they paid out. The balance of the hospital bill hasn't been paid and I am considered liable for the delinquent bill.

As for damages to my car, rather than go out and seek multiple estimates for the damages to make sure that I was being dealt with fairly, I agreed to accept the estimate presented by their appraiser; and in exchange for quick payment, I agreed to let them off the hook on the rental car expenses. So they took care of this portion of the claim.

My wife, on the other hand, had some knots form on her upper spine and neck and this required some physical therapy. After a couple of months, she was released from therapy care and we took a trip to visit family. The ride resulted in the problem in her neck returning, requiring (I'm thinking) a couple more visits to the physical therapist. Whereas my wife has other medical problems, this injury just added to her previous limitations. For a while, I wouldn't even sleep in bed with her because I was afraid of accidentally rolling on her in my sleep and adding to the pain she was experiencing.

And now, five months after the accident, and two months after USAA insurance had received the medical assessments and medical bill totals, the bills haven't been paid. They've made no effort to offer her anything for pain and suffering, future therapy for flare-ups of the accident related injury nor pain and suffering. We didn't hire a lawyer because just as we had showed good faith in the handling of my medical claim and damages for my car, we had hoped that USAA would appreciate this and would resolve the matter of which we twice already had worked with them.

My problems do not sound as bad as everyone else's, however I do see a common theme, and therefore feel the need to express what I believe is evidence of a company taking advantage of people. Repeatedly I have been given the run around with explanations for my Auto Insurance bill. When I get a straight answer, I repeat it to make sure I understand it. They agree that is what they said. Then they go on to say something that completely negates the previous statement. When I point it out, they just repeat themselves, and change what they said, only later to return to the original statements.

It is completely ridiculous for an insurance company bill, or any bill, for that matter, to be so long winded and utterly confusing. Period. My bill was explained to me to be $7 a month to store my vehicle. This is what they told me when I cancelled my policy to switch to a non-driving one. They also said I had over paid and that it would be 2 months until I needed to pay again because of the forwarding credit. I had it clearly explained to me several times, and I even wrote it on my calendar when the next bill was due. This is because I would be out of town for a month with my school. When I returned, there was a bill waiting for me. The woman I spoke with, Anne, said she would fix it, restarts the policy or something, and said it was fixed, back to around $7 a month. My next bill was $6.50. I paid it.

This month it was $14. No matter how hard they tried, they came up with no explanation that made any sense as to why I now owed $14. The manager even said that I didn't even owe the $6.50, that it was overpayment. I said I received a bill for that amount and so I paid it. He said there was no record of that bill, so I overpaid. Yet somehow I owed $14 on a $7 a month bill that I overpaid! When asked for an explanation, he said that I had a 6 month policy at $7 a month. Blah, blah, blah.

And I said, no, you are not doing me a favor, I paid for those 2 months with a balance forward. Which he changed the subject to my current bill reflecting the next 3 months. So I said, then when you cancel my policy this week, I will get some money back, since this bill reflects the next 3 months. He said, no that bill is for this month only. I said "you just said it was for 3 months!"

He went back to his 6 month explanation. Then he said that when I sold the car in a few days, they would cancel it and credit me the leftover amount?! When he tried to tell me again that USAA did me a courtesy not charging me for the first 2 months, I said, yeah, but you are charging me now unexpectedly, and that is no favor. And it was supposed to be paid by credit. I mentioned the name of the woman, Anne, who specifically told me that I had forwarded credit from my last claim, he said let's talk to her right now. He said I'll transfer over and we got disconnected.

At this point I had spent 30-45 minutes on the phone. I gave up. I felt like the runaround would just continue. Today when I cancelled, they said I still owe $8 that is leftover from the previous policy. How can that be! I get a different story from every person I talk to, and none of what they say is on a paper trail that I get to follow. And probably not for anyone else, either. Not trustworthy. A bill should never look like that or change without notice. A bad insurance company, if you value predictable bills or your time. It is not a lot of money, but on principal, I find it disgusting tactics that one would expect from a used car salesman. I will never use them again or recommend them.

I was involved in a vehicle collision with a USAA-insured driver in November of 2009. USAA adjusters informed me from the beginning that USAA accepts only 75% financial responsibility of the Fair Market Value for the total loss of my vehicle despite their driver being found 100% at fault by the California Highway Patrol Officer who witnessed the accident, and as documented in their related CHP Traffic Collision Report. This type of irresponsibility flies in the face of the State of California's Compulsory Financial Responsibility Law.

It resulted in me having to enter into litigation to enforce the law and recover my losses. Ultimately, I was paid by court order, however, not after nearly six months of waiting, having to take time off to prepare and appear in court, and being without a vehicle for the duration. Any prospective customers of USAA automobile insurance company should be aware that this type of stance means that you are going to have to be prepared to take time off of work, enter into a court environment to protect yourself from liability based on USAA's automatic determination of their 75% responsibility regardless of the facts, and become unfriendly towards anyone who seeks to indemnify themselves from material losses incurred from a traffic collision caused by you. You'd better be absolutely certain that you never get into an accident where a police officer or judge determines that you are at 100% fault for an accident, otherwise, be prepared to take time to face the judgement.

USAA needs to become a financially-responsible company, and held 100% liable and financially responsible for their clients. A this time, USAA's business conduct in the State of California is indicative of a financial irresponsible company, and I believe, not in accordance with the financial responsibility law of the State of California.

I was hit by a USAA insured person and followed through on having my car repaired through their recommended repair shop. Their repair shop took longer to repair the vehicle than they had estimated and now they refuse to pay for the rental car in full. Everyone I have spoken with has been extremely unhelpful, unresponsive and/ or rude. I would recommend never dealing with this company, they obviously are not concerned with providing good service or doing what is fair and agreed to.

I would have not agreed with all of the reviews given here until now. I have been with USAA for "20" years. During that 20 years, I never had an accident claim, I never got a ticket, not a penny came from their pocket. I used to rave about the company and swore I would never leave them for any other company around. I recently have had major health problems. During this time, I received a cancellation notice, but because of being in and out of the hospital I didn't get it in time. I called them as soon as I saw it, which was about 8 days later, to make a payment. They told me no.

If I want to have my account reactivated, it would require payment in full. Due to my health problems, I didn't have the full amount maybe half at best. They refused the payment, even after I explained my situation. I pleaded with them, because I didn't want to change companies after 20 years. They didn't care. I have never been so disappointed in a company as I am now. Obviously, someone else has taken over the company, and just like all the others we are just a number to them. Twenty years of customer loyalty, 20 years of not a single claim and this is how they treat you. I went online and in 15 minutes, I had insurance, cheaper and willing to take a small down payment. Even so, I hate it ever happened and think people should know.

While sitting at a red light, I was struck from behind by a driver insured by USAA. I reported the incident to both the police and USAA. Despite calling three times, I was never contacted by an adjuster; therefore, I took my car to Benson Honda for repair. Then suddenly USAA adjusters are available on the telephone. I gave them a statement and left my car for repair. Because it was the labor day weekend, USAA would not authorize a rental car so I agreed to pay for a rental car myself through the weekend. USAA agreed to pay for the rental car beginning 9-7-2010 through the remainder of the repair time.

Benson Honda obtained two rear bumpers bought which were found defective upon their arrival. Therefore both were sent back to the manufacturer. My car was finished in eight days instead of the four days USAA estimated that the work should take. Many attempts were made to reach Mr. **, all telephone calls and messages went unanswered. Now I am paying for a rental car while my car is being repaired. USAA did reimburse me a portion of the rental car but were unwilling to consider extenuating circumstances regarding the two defective bumpers. The economic impact is loss of my automobile for 8 days due to negligence of another insured driver. USAA refused to consider the arrival of two damaged bumpers, which resulted to a delay in the completion of the work. Therefore, I had to pay for the use of a rental car to go to work.

A female friend of mine was backing my car out of the garage and hit the curb. It resulted in about $1000 damage to the rear spoiler and bumper. She called her USAA agent and was told she could not initiate a claim. So, I called and reported the incident and was told to get an estimate for repairs, which I did. Today, 9/10/2010, USAA called to tell me that if my car has insurance, then I need to file a claim with my insurance carrier! USAA clearly left their client out in the cold, because now I have to sue my own friend, just to get USAA off their asses to honor her policy! They claim they cover the car - not the driver! Watch out for this slippery group!

Over the weekend, someone threw some type of liquid on my BMW trunk lid. It left ugly brown spots, and even ate through the paint in places. The USAA Adjuster came out and gave me a quote of $444.00, minus the deductible, which comes out to $194.00. He didn't seem to think they would need to repaint the trunk, even though there are black spots showing where the paint is gone. I went today and got some repair estimates, and they are all about $1,000. USAA doesn't want to pay me any additional money to get the car fixed. They even accused me of not intending to fix the car, which is very rude and offensive.

My advice, stay away from USAA. I have been a long time customer of theirs (since about 1987), and look at how I am being treated. After the way they have treated me concerning this claim, I would not recommend them to anyone.

We've had insurance with USAA since 2003. We filed a claim in 2010 and was denied. Our claim is that due to the acid in the rain our SUV needs a new paint job, which is covered in our policy by the way. The insurance adjuster stated that is was not due to acid rain but due to sap from the trees.

We took our vehicle to several reputable dealerships and paint specialist within our city and each confirmed acid rain was the cause for our paint defects. I noticed several claims with USAA that have been rejected or have gone unanswered, which is not fair. If we pay our bills for years, why not pay when we make a liable claim. If anyone is interested I'm trying to organize a Class Action Lawsuit against USAA. Please contact me a Holton@**

My husband was hit by a USAA-insured driver. The USAA driver was at fault & USAA claimed liability. They have used an improper & likely corrupt evaluation method, CCC value score, to determine value. Since CCC is employed to save insurance companies money, it seems obvious that guides that are impartial, like NADA, etc, also be consulted. We were told that consulting those guides was out of the question.

After USAA has claimed liability for their driver in my husband's accident, they have refused to negotiate or provide a fair settlement to replace my husband's vehicle. We have made multiple requests to the company to provide us with adequate or fair compensation in our area, to no avail. We are unable to replace my husband's car with the low-ball offer provided. By using an ethically challenged company like CCC value score solely to determine FMV of our vehicle, they have let down their customers & the rest of the public who may be in accidents with their customers. It is evident that the number one drive of USAA is to save money at the expense of what is right & just.

We are seeking a settlement that will allow us to replace only what was lost by their insured's poor driving. We are not seeking an upgraded automobile; we are not seeking to better ourselves after an accident. We are merely expecting to replace what was lost & make ourselves whole again. We are seeking fairness from USAA, what a novel concept.

On June 1st of this year (2010), I awoke to a crashing noise. I go outside to find that a car had hit a culvert approximately 14 feet away from my first driveway entrance. It went airborne, landed into my driveway causing damage, then slid across my yard sideways tearing up my whole lawn. It hit my second driveway which straightened him back out, went down a light embankment, ran over a pine tree, and through a rock wall into my creek. The driver is insured with USAA. The police were called, and the driver was issued tickets of some sort. I have yet to see, but the officer was being nice to the guy by saying that he wasn't speeding (speed limit is 30mph, through my experience in automotive field, I estimate his speed to be at least 50mph).

The whole cause of the accident? The driver fell asleep at the wheel. I contacted my insurance agent, who told me to contact his insurance (USAA), file a claim, get estimates to repair damage, and wait for an adjuster. Nine days later, an adjuster contacts me to come to the house and inspect the damage. Now, mind you, this is my front yard, and I have to live here! After five days, the lawn was overgrown, and needed care. I had begun repairing the lawn and cleaning up the mess. I did, however, photograph everything while the driver's car was still in my creek clearly showing all damage.

I then emailed the estimates to the adjuster and to USAA insurance. The total estimate is $2,640.00 for both landscape and pavement repair. Two weeks go by, and still no reply/response from USAA insurance. I then contact them via telephone, and get a song and dance as to how they haven't heard back from the adjuster. I then call back five days later only to have the rep on the phone contact the adjuster and have him call me. He then told me that although my estimates were received, he was prepared to write me a check totaling $768.00 for everything. I actually laughed at him, told him and USAA that they had two business days to contact me with a legitimate offer, or the next contact will be from my lawyer.

I have yet to hear back from them. I contacted my lawyer who is perfectly willing to take the case; however, he feels that small claims court would be better suited for this situation. I now am going to miss my third day of work for this ordeal to file small claims case in my town, and have every intention of taking this to the full extent of the law including payment for my loss of time from work and all other fees I can. This insurance company is a complete joke. I wouldn't trust them if they were the last insurance company in existence on earth. $2,650.00 and counting.

I was hit by a USAA policy holder who was backing out of a parking space in his workplace. I was already behind him and the damages were to my driver's door with his rear bumper. It has already been over a month and USAA is saying they will most likely accept only 60% liability because of a witness statement. The witness is a co-worker of the insured, who was not outside, and told USAA that their insured was already backing out when he hit us. This clearly contradicts the evidence (location of the damage is on my door and the position of the vehicles).

Luckily, I took pictures because the military police didn't. They are still saying I'm 40% at fault and won't pay the meager $1,000 claim. I'm ashamed to be a USAA member for 18 years and will cancel my membership and credit cards with them immediately. I will also sue their insured for the $500 deductible I will have to pay to my insurance company. Clearly lack of ethics on their part. Outrageous.

In August 2008, I was at JRTC with my Army unit at Ft. Polk LA when my husband at the time called me and told me his truck was stolen. I asked him if he called the insurance company and he said he did. The insurance company never called me about anything, but they say that I was the one that made the claim. They then proceeded to investigate my (now ex) husband for insurance fraud when the truck was recovered. The individual that stole the vehicle was arrested on a seperate incident and told the investigators that my (ex) husband told him to steal this vehicle. The vehicle was missing for a total of 35 days, however, after the 30th day, the insurance company called me to tell me it was ok to cancel the insurance on the truck (he was the primary driver, I was secondary), so I did. Five days later the truck was located by the Bowling Green, KY police department. I immediately called USAA to tell them of the change.

My (ex) husband hired a lawyer from Runyon & Runyon in Clarksville, TN and I do not know what the service provided was. This was his truck titled in his name only, his insurance claim and his vehicle loan in his name only.

There were no exchanges between the insurance company and myself about anything other than a change of address for current renters insurance and a letter sent from USAA threatening to drop coverage or further refuse coverage. We changed insurance companies at this time.

Yesterday, 21 Jun 2010, I attempted to log on to USAA to check my bank accounts only to find a notice saying I was restricted from online access to my accounts because of the previously listed incident and that further insurance coverage would be denied and my current renters insurance would not be renewed. I asked a representative why, because I had not recieved any notice of this via phone, email, regular mail or any other form of communication. The customer service rep was unable to answer my questions at the time and just made a note in my record of the incident. I called back to USAA today, 22 JUN and talked to another customer service representative that told me that I was the one on record for making the insurance claim. I did not make this insurance claim, my ex husband was the one that made the claim. I was not even in the state of TN to verify that the truck had indeed been stolen. I was in Ft. Polk, LA.

I am currently awaiting clarification from a claims representative.

I had Usaa as my insurance company for three years. I hit and ran over a deer while driving. Suprisingly there was only some front bumber damage and my clutch went out as soon as it happened. When the insurance people looked at it they said that the clutch was not broken because of the accident and would not include that in the claim. Also, there were some scratches underneath my bumper where I had pulled too close to a parking spot or two and they would not pay for that either. They said that there was previous damage and the half way hanging bumper was not because of the deer. They ended up paying for nothing and I ended up paying over $4,000.

In August of 2009, I was jumped, robbed and stabbed in a dark parking lot in Mons Belgium, after which my 2005 BMW was stolen from me. After going to the hospital and doing all the necessary police reports, I filed my claim with USAA, thinking that this would be a pretty straight forward case. After some time, they sent out one of their "special investigators" to practically interrogate me for 4 hours as to what happened that night.

The first two hours, he played Mr. Nice Guy and recorded what I said about the evening, which was fine. The next 2 hours, he proceeded to point the finger at me and tell me how USAA thought I had something to do with it and how much trouble I would be in, if I didn't tell the truth... really? The weirdest part of the conversation was at the end, he made a really off colored racial comment to me and I immediately reported him for it. They took him off my case and assigned one of his buddies to it, but amazingly ever since I reported him, I literally have had no cooperation from USAA or special investigations.

The "investigation" went on for months until one day, back in October, I received a letter in the mail stating that USAA was denying the claim! The letter went on to say I gave "misleading and false information" and I couldn't believe the [lies] they had written down that I supposedly said! I called them immediately and raised [questions] only for them to tell me to appeal it and to reply line by line as to what information was incorrect. So, I did that and from that point on, it was supposedly in the hands of the special investigators. The last time I was able to get a hold of one of the investigators was before Christmas and he told me that he was still working with the Belgian police because they had some "new information". It is now May 3rd, 2010 and not only was I a victim of a robbery and an assault, but I have also been robbed by USAA and left with over $18k on my credit for a car I don't even have (which I'm still paying $605 a month, so my credit doesn't go bad)! Ive been in the Air Force for 10 years and I have never had anything even close to this happen to me.

I was involved with a person insured by USAA on 2/4/2010. She made a left turn in front of me and I was unable to stop. It totaled my car and I'm sure did major damage to hers as well. USAA refuses to accept responsibility for it and will not return my attorney's emails or calls.

In the meantime, I'm having to walk my daughter to a doctor 3 blocks away with a 102 fever, use a grocery cart to bring my groceries home, have a friend take me back and forth to school because otherwise I would have to drop out, and I am totally helpless. I filed a complaint with the BBB but that doesn't do anything seeing as though they refuse to respond to it because I have a lawyer. The way this company operates should be illegal!

I have read so many similar complaints on here that it brings tears to my eyes. I'm still having medical problems, but can't get to my doctor's office to have them seen about. My lower back is constantly in pain and it radiates down my left leg. There are days that I can't even get out of bed. I've missed so many days of work that I'm going to lose my job if I haven't after today. I'm just sick. This whole situation has made me sick. As many complaints as there are about them, why hasn't anyone (government or courts) done something about them?!

I am a military veteran who honorably served, and I was married to an active duty soldier for 10 years, we later divorced. I remarried and was added to my spouse's USAA account in 2000 because I was not in active duty at the time. That marriage lasted less than a year. Years later following, I ended up remarrying my first husband (father of my children), who subsequently, retired from the military. In 2008, I attempted to get an insurance quote from USAA and was denied. When I asked the reason, I was told that there was a fraudulent claim made by my ex-husband which ended up going to underwriting.

Because I was married to him at the time the claim was placed, I will never be eligible for USAA services. I was never given the opportunity to prove that I had nothing to do with the fraudulent claim, nor was I ever contacted stating the status of my eligibility. I was also told by a USAA underwriter that my current spouse (22yrs retired military) cannot utilize USAA because he's married to me. He would have to divorce me in order to become a member.

What makes this case so interesting is that one of our adult children was able to open a bank account with USAA based on his father military service (my current spouse) and because he is joining the USAF. I cannot believe that a corporation who claims to support military veterans does not have a forgiveness or amnesty policy, or probationary membership set in place for circumstances such as this. Why should I be eternally punished, or even my current spouse be banished from USAA simply because of who you're married to? I thought it was based on honorable, military service?

I had no knowledge that my ex-husband made a fraudulent claim, and USAA did not allow me due process to prove my case and persecuted me like I was the offender. USAA stated that they cannot or will not tell me what happened because it happened so long ago. I have had other insurance with the same company for almost 20 years and I have never filed a fraudulent claim. I think USAA needs to revisit their membership guidelines/policies to include forgiveness clauses. Bankruptcy only stays on your credit report for 10 years, even forgiveness and second chances are granted to prisoners. If God can forgive people for their transgressions, what makes USAA think they're above the forgiveness of God?

My spouse is excluded from potential savings on insurance and banking privileges because he married me. What kind of message is USAA sending? Divorce your spouse and gain our membership benefits? This has caused me undue emotional stress, as it causes me to feel like a burden to my spouse simply because I married to a wrong person.

Please be advised that in the last 2 weeks, approximately, I have received 2 emails from USAA with a from return email address, telling me to contact them or confirm my account with them because someone has accessed the account from separate locations. I have no account with USAA and when I went to their website separately from their email, I found no way of contacting them without registering on their site with a request for SSN as a way to register if I did not have or remember my password.

I do not know if this is a scam but it sure appears to have the earmarks of one. Nothing has happened that I am aware of at this time. But I wanted to report this incident. If this is not the correct agency or venue please advise. Thank you.

I was hit by a USAA-insured person. I was making a left turn. They came up behind me so fast that I went into the left lane and they basically T-boned me. I had my four grandchildren in the car. I called 911. The people threatened to leave the scene. I had to call 911 back and the trooper came and ticketed them. USAA has not given me anything but grief. They wanted to pay only 80%. After many calls, now, it's 90% and they think I should be grateful. I am going through my own insurance now. USAA was so rude.

In January of 2009, I was hit by a driver insured by USAA, as he changed 3 lanes without a signal, and from sitting inside a line of traffic. He hit me at about 35, right behind my door. I drive a 2006 Mazda 6, and he drove a Jeep Liberty. There was a little bit of size difference and toughness. He did $1,500 worth of damage to my car, and $100 to his jeep. Me, on the other hand, have suffered with 2 herniated discs, and nerve damage in my back for over a year now. They have refused to allow me to get any health care. Now, the damage is permanent, and they don't want to pay for anything, even though their driver was cited for reckless driving, I believe.

As a result of all of this, I am now on the DEA's dirty little black list. I have no health insurance, to make things worse. I have had 4 or 5 MRIs and too many x-rays to count. Is it fair that they duck me and my lawyer? They won't help me at all. It has cost me just about everything in my life that I love and care about. It strained my family, and cost me the love of my life. The pain never goes away, and my left foot is numb, even now, over a year later. They should not be allowed to get away with this.

I am a former Marine which entitles me to have USAA as my insurance holder. I parked my 2008 Hyundai Elantra by the train in NYC and took the train and ferry into school where I was in transit or in school from 0600-1200 which is when I returned to my car on March 25, 2010.

Upon returning to my car, I found my car had one way or another lit on fire. I called a bunch of people but to no luck, finally I decided the next best step would be to call the insurance company and find out what to do. Ms. C informed me not to call the police or fire department because the fire was already out. After a 2-hour conversation with Ms. C, I was told the vehicle would be towed for appraisal. Fair enough I was thinking, wrong!, On the 29th, my car was finally picked up, the driver stated it was being transported to upstate NY because it was already totaled out (how can you total a vehicle before you inspect it?)

Car went bye bye. After numerous calls, and a vacation by Ms. C, I receive word that she put my process up for review and it was shot down, they wanted to have a "Special" Investigator take a look to make sure it's not a problem with the car its-self, last I checked, that's what mechanics are for, and as far as 5 years as a Military Police Officer goes, that's crap for "We think you did it."

Fast forward 4 or 5 days, investigator calls and sets a date for Monday (Apr 12, 2010) at which he pretty much pointed the finger at me as much as he could, and stated the insurance would call in a Forensic Expert or Fire Investigator at least 4 times, probably a scare tactic, even when it's very easy to see I was at school. He stated the entire thing would be done by Thurs, well, it's Friday now, I called him, I got "when it happens, it happens" only after going out of my way to provide my entire 97 page phone bill, loan agreement showing the car paid off until July (so why torch it in March?) and class records.

USAA is nothing but open promises about dates, dates and more dates. I'm sorry, but if your serving the military, you should be punctual! I don't have a job which means it's a lot harder to go for a job interview without a car, they will only pay $30 a day for a rental for 2 months, I was told to start looking for a new car, but how can you start looking for a car if you don't know if or when I will get money, or if I will get any at all.

On November 1st, 2009, my Toyota truck was totaled by a reckless driver. I filed a claim immediately. I was told I no longer had collision coverage for my car, due to a suspend I placed on it in October 2008 due to a deployment (I am in the navy). I have 4 vehicles on the policy (including two motorcycles) and I remember calling a day after my deployment ended to reinstate my policy. I went online and checked the status of my policies, and the motorcycles had been taken off suspend, but both of cars were left on the deployment suspension.

I tried several times to contact Ms. Rolandra ** including talking to her supervisors about the problem. In the approximately 7 times I attempted to contact her (I left a messages on her voicemail or with her supervisors), I was called back once, but it was from a supervisor who said she would have Ms. ** call me back immediately. After gaining some additional information from Geico about their driver not having enough insurance to cover the cost of my vehicle, I attempted to contact her again (I did have under-insured motorist coverage). I never received any calls from her. Recently, while discussing this incident with a co-worker, I discovered he experienced a very similar incident (vehicle coverage was never re-instituted and USAA refused to deal with him).

March 19, 2010, I was in a 3 car accident with a USAA policy holder. I was the first car involved out of the three. I was rear-ended and my driver side bumper is smashed and the trunk will not open. Everyone exchanged policy info, no one was hurt, cops came and got reports, everything was good. I contacted USAA and they stated they would accept liability. Well, I got an estimate from Service King, which they recommended. They paid for the car rental while my vehicle was getting restored supposedly. Cool I thought. Today, I get a message from these clowns that my vehicle is at total loss and they will either cut me a check for $1,100 or salvage the car for $1,500. I just want my freaking car the way it was before the accident.

On March 25, I was struck from behind by a USAA insured driver who was speeding, not paying attention and attempting to cross multiple lanes of traffic. Their insured was cited for following too closely. USAA had originally told me that they were denying the claim. The juvenile tortfeasor who struck me assures me that he has been told that USAA is accepting liability, however, I have not heard from them. Meanwhile, I am relegated to driving an unsafe vehicle with the bumper hanging, tail light broke and trunk banging up and down as I drive down the road. Now, I am going to have to hire an attorney to bring suit against this little malefactor and then lose at least of 1/3 of my damages to attorney's fees. I have filed a complaint with the Nebraska Department of Insurance.

Due to personal reasons, I called USAA to cancel my husband off my automobile insurance. I was asked as to why and I advised them it was personal. They proceeded to question me, which I believe invaded the privacy act policy. My husband and myself are both retired military. We both have entitlements to be members of USAA. Upon further questioning, I felt pressured to let them know he was in jail. They proceeded again to ask me if he killed anybody, raped, etc. I was put on hold and then an underwriter came on. I was then asked what it was and I said a felony. She proceeded to question as to what. When I told her, I was then advised my policy would not be renewed and I could not even use USAA as a retired member. The only way I can be a member of USAA is to divorce my husband.

On Nov. 10 2009, I was hit on the passenger side by a sixteen year old driver attempting to make a left hand turn across a five lane highway. Luckily, there was an undercover officer two cars behind me so liability was never in question. My husband and I are both USAA customers and have been for over thirty years. The sixteen year old's father is also a USAA customer. Think this would make things easier? Wrong!

It is now 21 March 2010, and we have been unable to settle with this company. At the time of the accident, my car was worth approx. $26,000. It sustained approximately $11,000 worth of damage. Additionally, USAA had to pay $2,000 for a rental vehicle for two months. At the time of the accident, we begged USAA to total the vehicle out as it had sustained frame damage. Additionally, we informed them that we would be seeking diminution of value, and in the end, this would be the cheapest option for all involved.

USAA refused to agree and said the car could be repaired. The car now looks pretty again. However, it no longer drives the same and has lost approximately $7,000 worth of value, to which USAA only wants to pay us $1,600. At their request, we have even provided USAA a certified appraisal proving the loss of value sustained by the vehicle. We have been through several customer service reps to no avail.

Currently they are attempting to send us to arbitration to which we are reluctant to agree. If anyone thinks that customer loyalty counts with this company, well, you would be wrong. My car was worth approximately $27,000 prior to the accident. It is now worth approximately $20,000. USAA refuses to make us whole by only wanting to pay $1,600 for diminution of value.

I was hit from behind by a USAA insured driver, who was speeding and not paying attention. I had a Navigator, and she was driving a Prius. She was at fault, and given the ticket, while the driver and my son were taken by an ambulance to the hospital. It took several days for her insurance company to contact me, and I had to get a lawyer, so I could obtain her information and insurance information. Luckily we took pictures of her plates to identify her. We had to initiate the call.

They accepted liability, and paid for a rental car for 2 weeks, as they totaled my car. Once they totaled the car, they dropped the rental, and everything with 2 days notice. I wanted my car back, because it still was a good car, and the computer in the car was well worth more than they were offering. After long debates, I gave up and agreed to a fixed price, 2 weeks later. Then they tell me I could not get it fixed.

They called my finance company, and they disagreed. They stated they would release the car and send payment to the finance company for repairs. Here it is, 2 weeks later since we all agreed to repair the car. I have no car, and no funds has been released, while in the meantime, I'm still paying for a rental at my expense. The accident occurred exactly two months ago now. They drag their feet, and do not want to pay what is a fair amount. I hope no one ever is hit by a driver with this insurance. It's another nightmare that you have to go through. We incurred medical bills, and car rental expenses, etc.

USAA is my insurance company and I have been with them for 13 years. They have never steered me wrong. They have fought for me, when fighting with other insurance companies and supported me when I needed it. My car was hit in a parking lot while my family was in a restaurant eating a delicious dessert this weekend. It looks like the car pulled out from the parking spot and cranked it a little too hard, scraping the right side of my vehicle. My claim has been started, I was able to do that online and have already received a call from USAA about where to go from here. Unfortunately, I'll pay the deductible because, well, the driver left no note. But, they can't help that.

I have read a lot of negative things about USAA from drivers who don't have USAA. Number 1, your insurance company should be fighting for you, not you. Every insurance company is the same and I have never dealt with another driver's insurance company that was helpful and willing to help me. They protect their drivers and that's what they are supposed to do. If your insurance company isn't getting it done, call your insurance commissioner. That usually gets the job done. I have done this myself when Geico was unwilling to cooperate and ** if I didn't have my money within 3 days. Work smarter, not harder and stop complaining. If your company was working as hard as USAA to deter you, you wouldn't be posting on a consumer website.

I filed a claim with USAA in reference to one of the vehicles I have insured with this worthless company. I have four automobile insured with this worthless company and I have been with them for almost eight years. I filed a claim with them and the only response I can get from them is there is a deductible on the vehicle. I live in TX and the vehicle was located in Kansas when the claim was filed. USAA told me that they couldn't go through with the claim because I refuse to answer to them why I own four vehicles in my name. I told them if I wanted to own and could afford to own 20 vehicles and as long as they are getting their insurance premiums, why can't I own four vehicles?

Because I refuse to answer that ignorant question, they refuse to process the claim and I was left to go to Kansas and pick up my vehicle. USAA is only about getting your money. When it's time for them to process a claim, it takes them forever to respond to the claim. And when they do, they will do everything in their power to avoid payment. This is the worst insurance company that I have ever heard of.

USAA has been absolutely ridiculous! Their driver hit my son at an intersection and was fined for the accident. I called and called and called. It took 8 days for them to accept responsibility. There was always one excuse after another from not being able to verify the accident with their driver, not having the police report (after I sent it to them and so did my insurance agent) and then said the VIN did not match on their driver's car with the policy. After I threatened getting a lawyer, they finally got the VIN number straightened out on their policy with their driver's insured vehicle and agreed to let me pick up a rental. Then the total loss adjuster never called. It has been another week and still can't actually speak to him.

I have initiated all of the phone calls and practically have begged for someone to return my calls. Then when I pressed zero to speak with someone else, they put me on hold forever to read the notes on the case. They made an offer and I told them that on the day before the accident, I paid over $300 for a set of tires they only want to increase the offer by 49.38! That was for tires with less than 25 miles on them. Then they told me I have three days, two of which are weekend days to get all of my personal items from the car and sign over the title.

I went for 7 days without any sort of transportation to replace my totaled car and they wanted to cut off the rental car after 4 days of making an offer. This has to be the absolute worst insurance company to deal with! I know what my car is worth by verifying it online with Kelly Blue Book and NADA and they want to extend a low offer for the settlement. The only thing this insurance company is good for is helping their clients get out of paying for replacing vehicles.

Last week my car was totaled by a USAA auto insurance policy holder. I knew they wouldn't even process the claim until I called them from all the complaints I've heard and read. I called them several times and had to push to get them to cooperate. It took them a week just to read the police report (which was sent a day after the accident), get a statement from the policy holder, and accept liability. Mind you, I had to call them almost every day for a week. They said that they would set me up with a rental and pay for it. They knew I was 19 years old.

I went to pick up my rental car today and found out that USAA is refusing to pay for the underage bracket fee, which I cannot afford ($22 per day). I was told by my adjuster that because I am under no fault, any cost that is a result of the accident would have to be covered by USAA, yet they refuse to pay for my rental car. I have no way to obtain transportation, and there is no possible way for me to use public transportation for my job. There is no way I could even use a taxi to get from house to house (I clean houses) let alone afford one. Chances are I am going to lose my job over this. I am afraid that I am going to have to take this to small claims court. It is hard to believe that USAA could be so ridiculously inconsiderate about these claims.

How they are even allowed to practice as a business is beyond me. Is USAA a federal business? That would explain it. Either way, judging by my situation and the other complaints on this site, it is safe to say that they are a bunch of crooks. I am not one to insult, but the problems that they are causing me are outrageous. This should be illegal. I have spent over $100 in just one week to have friends drive me everywhere I need to go. Furthermore, I can't afford this anymore, considering I only make $40-80 per week. I will most likely lose my position due to USAA's lack of cooperation.

We were in a parked car waiting for the school traffic to subside. A USAA customer hit us. That was January 14th, 2010. USAA told us to go to Barrett's Repairs in Puyallup WA. We did that on Monday January 18th, 2010. The same day we asked to be cashed out because we do not trust that company to make repairs. Everyday we call and ask where our check is.

Today is February 2, 2010 and Barrett's is still having "computer problems" according the the USAA representative and they are still "unable to transmit our claim" to USAA. USAA has done nothing to help us complete this unpleasant problem which was not our fault! We tried going to another repair shop but USAA will not take their estimate.

I was hit by a USAA customer that turned left in front of me when the intersection was not clear. He was given a ticket by Fulton county police for failure to yield. He never showed up in court! Then USAA wants to total my truck that is still drivable since the accident in Sept 30-2009. I have drove 2000 miles. They are offering $2597 for a 96 GMC Sonoma extended cab, while MAACO says they can repair the truck for $2460.

If I keep the truck and fix the body work myself (I'm mechanic), they will give me $2000 but the truck can never be driven again or sold until given salvage title. They were determined to total the truck, never asked to see estimates I got from MAACO and dealership. And with credit problems in USA, now, I can't and should have to buy a new truck over $150. So I reported them to the BBB and Ga. Insurance Commissioner's Office. Sarah J. informed the BBB that they were not going to repair my truck. I now have a truck that is worthless. $2,597 will do nothing if no one will give me credit to buy a new truck and the accident wasn't my fault!

My high school student was rear ended by another high school student insured by USAA on December11, 2009. 12 days later we still heard nothing from USAA. I had my son and the gal who hit him call them to make a statement. The only communication I've had with USAA is one letter telling me I had the right to take the car to any body shop of my choice. My car is a total loss, unable to drive anywhere. 19 days later an appraiser called to say he was coming to look at the car. He said he'd be there between 1 and 4.

On December 30 at 3:05, he called and cancelled. I called USAA again and again and was finally able to speak to someone on January 4th. They said that my son was 25% responsible for the accident (rear ended), saying that he caused a road hazard by speeding. If he was speeding, then she was texting while driving. They were not there and he was never sighted for any infraction. I immediately had an anxiety attack. Unbelievable! I have taken many pictures of the accident site and there is no evidence of her even applying the brake. She slammed into him so hard it has totaled his car and her truck (97 Dodge Dakota).

My insurance (Progressive) is not accepting liability and now USAA is not returning calls to them and I have received no mail or any communication from USAA. The girl insured with USAA has told me that her insurance has offered her $3000.00 for her truck and we have been offered nothing. I find it interesting that they offer her a settlement and not us. They are not asking Progressive for any money at this time even though they say my son is partly responsible. I feel this has gone beyond personal property damage.

It has become an insurance nightmare with complete and total disruption of my family life and my physical well being. My son is a senior in high school who has never had a ticket or an accident. He was unable to go see family for Christmas. I had to cancel my family vacation so that I could take him to work and sports. His senior prom is coming up quickly. He is suffering some depression. I feel USAA has completely disregarded my family's well being, being trampled on, taken advantage of and played with. We are now suffering pain and physical anxiety and family hardship. He has no car. I have to take him to work, school and sports. My physical health is at risk because of the extreme stress and tension leaving me feeling very ill. My son is suffering from anxiety, stress and depression.

I was hit by a USAA insured on 12-19-2009. USAA has dragged their feet ever since. Our car is totaled and have done all their requirements, but all I get is a smart ** comments and nothing definitive as of yet. All I can say is leave these people along and hope you are not hit or injured by them.

I have been insured by USAA Insurance for over 40 years with no accidents and no tickets of any kind. USAA just increased my vehicle insurance premium by 47%. Their explanation is that they have decided to recalculate California premiums on the basis of their overall California loss experience and not just on the drivers record or other use categories. Their notification came too late for me to find a new carrier but I certainly will before the next renewal date. They made a real stupid M.B.A. pricing miscalculation.

I just had the same experience with USAA auto insurance as John of Belmont. No accidents, or claims filed in over 20 years, but my premium went up 40%, while the Calif State insurance commish stated (Aug 09 press release) Californian's were seeing a 7% reduction. Their response to my email questions/concerns was basically...sorry, bye. They used to have good coverage for a reasonable price. No more. They just forced me to vote with my feet...

my wise was rearended in june by a usaa insured she had neck problem along with knee injury from her knee hitting the dash she went for treatment and usaa denied responsability to the care giver keep in mind that she was stopped for a red light i took my truck a 2005 toyota sr5 quad cab to get an estimate i got three all from new car companies the range was 3900 to 4500 after one month they sent out a appraiser whom looked at the car and left one week later i recieved a check for 2100 and they said that was enough it was a 2004 model i sent the check back it is dec 2009 and i haven't been paid yet my wife was released from medical care 3 months after the crash and she was offered medical expences only we have had to hire a lawyer and sue them just to get what we have spent.

I have been a policyholder with USSA for 31 year. USAA raised our auto premium over 40% without notice as of 1/2010. We have an impeccable driving record and made no changes to our policy. We also have excellent credit without any consumer debt. This is out of character for USAA.

I've been a patron of USAA for over 17 years...due to some financial harship my credit rating dropped a bit which in turn caused USAA to drop my policy. I understand this. I was able to immediately able to secure auto insurance with another company. However, my policy with USAA is paid up and they are unable to refund me for about a month. This seems illegal so I'm going to contact the Oregon Attorney General's office. Please, run far away from this company...it is a scam! They can hold my money without providing services? Stay away folks.

I was hit by a driver insured by USAA insurance company in October 2009. Driver never reported the accident and never responded to apparently numerous attempts to contact him. USAA never sent me anything, never called and when I inquired about my claim with them (auto damage) they are preparing to DENY my claim based on the fact that other party is not cooperating. Police was called to the scene but only filled out DRIVER'S EXCHANGE OF INFORMATION as estimated damages were below $500.

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!

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!

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.

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.

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!!!

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.

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?

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.

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.

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.

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

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.

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 ****** 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.

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.

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!

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.

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.

On June 15th 2009 while Traveling on business A deer had struck the front end of my car a 2006 V6 Mustang with the pony package option. This vehicle was customized with a Turn 1 CS6 appearance package from Shelby Automobiles valued at 8000.00. The vehicle now inherited a Historical collector status to the Shelby Entusiast. When I contact USAA to initiate my Comprehensive claim USAA directed me to have the vehicle towed to a USAA authorized Star shop in the Nashville Area. The car is registered and insured in Florida.

When the car arrived at this "Star" USAA authorized repair facility the rep immediately started on the appraisal process. The rep who works for the dealer body shop is also by coincidence a USAA authorized appraiser. The appraisal on the vehicle was grossly overpriced causing USAA to make a determination that it was a total loss. After more research and a second appraisal from a FORD dealer body repair shop I discovered the original appraisal was valued at 2700.00 more than the Ford dealer appraisal. The new value to repair the vehicle at ford is now 5571.00. This is well below the 75% Margin of the appraised value USAA came up with for my vehicle.

That is my next problem. USAA's appraised value on the vehicle is 2000 less than the NADA value and 3000 less than Kelly Blue book value. This is for the basic value. USAA is not allowing for the Shelby appearance package and susspension upgrades. If USAA totals my car I will be about 6000.00 negative and upside down in my autoloan on the vehicle. Also with not the greates credit Will not be able to get into another car. The extent of the damage on the mustang is the grille only was pushed in and damaged the radiator, A/C condensor, Radiator support structure, left driver side headlight, broke the cap off the power steering reservoir, and damaged the driver side front fenser due to impact with the deers head. The small deers body missed the hood and the front bumper cover.

The USAA dealer appraiser included the hood and front bumper to be replaced in the estimate. also repairing the front left fender at 10 hours of labor. 10 hours of labor alone could purchase 2 front fenders and be installed and painted for the price of repairing one fender. The fender cost the dealer 169.00 to replace. The frame of the vehicle is undamaged an is in complete repairable condition. USAA has been handing off my claim to specialist after specialist and still coming back with the same answer as the vehicle is still a total loss. Even though I had provided over 40 evidence photos of the extent of the damage including tear down inspection photos. Proved without a reasonable doubt that the hood, and front bumper do not need to be replaced at a cost savings of over 2000 for parts and labor.

Each time I prove the car is not a total loss USAA comes up with some other reason that they say they still can total the vehicle. I asked if I cancel the claim and pay for the damages to the car myself is possible and USAA says if I do that they will still declare the vehicle a total loss and I still need to get a salvage title and approval from my leinholder to do it. If I do this I will still be in debt to my leinholder,have one vehicle that needs 5600 on repairs to be placed back on the road and basically no way to get to work. If I give in to USAA and let them total the vehicle I will be in debt 4000 for the Shelby upgrade to the vehicle, plus 2000 to my leinholder of the vehicle for a total of 6000 in debt. USAA will then own the car and I have no way to get to work.

If I elect to total it and take posession of the vehicle good only knows what USAA will give me as a buy back value. I am sure it will result in USAA breaking even and me taking the entire cost. WHAT am I paying insurance for. USAA was formed to provide US Army commissioned and Warrant officers with insurance, later USAA allowed enlisted service members to join USAA. IF The US Army was aware of USAA practicies I am curious how they would handle it.

The Car was damaged on Monday June 15th. It is Now Monday June 29th and Still no resolution. It is obvious that the car is repairable. However I still feel USAA is stalling and causing me to get to the breaking point and just giving in. I am STRANDED in Tennessee with no vehicle, No rental reimbursement paying 59.99 a night for a hotel and no credit to get a new car. My cars latest basic value as per USAA is 10,674.00 The repair bill is 5571.32 the 75% margin off of USAA's value is 8005.50 therefore the cost to repair is 2434.18 less than the 75% margin. USAA Should repair the vehicle. Point to note. every time I submit evidence to USAa they reasses the value of my vehicle and the value changes every time.

When USAA learned of the payoff amount to the lienholder the estimate was exactly 300.00 less than the payoff. Before they knew the payoff amount the repair bill estimate from the USSA rep that works for the USAA authorized repair shop (conflict of intrest) was 50.00 away from the 75% margin. I am running short on options to get USAA to authorize a repair on my vehicle and get me back on the road. In the meantime I cannot proceed to my next contract and essentially out of work and out of pocket until this is respolved. I need help with this.

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.

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...

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.

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.

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 have spoken to Justin Alola a rep from USAA for the last 7 days about my mother's car accident. He gave me a list of things that I needed to get for him including a bill from one of her doctors. He gave me until 7 pm may 26th, Arizona time get this information to him. At 440 pm, chicago time I called him with all the information he requested. He told me I had missed the deadline. I asked him how could this be when I had spoked to him several times today and he had created an urgency for me to get this info to him by 5pm arizona time. He said sorry, you missed the deadline.

I realize that no company is required to price its products fairly, but this one uses its non-profit status and relationship with the military to mislead its customers. Had I been doing business with a for profit insurer that did not make the claims of looking out for military officers, I would have gotten quotes from other companies many years ago. I believe that as the agent selling me these policies, they had a fiduciary responsibility to advise me to check rates with other companies if theirs were so out of line as to be triple the cost of others.

All witnesses (including her and her passenger) said the same thing...She was the at fault driver..and the officer in his report claimed the accident was due to her "inattention". I got home called USAA right away and advised them of what happened..And then, the run around begins...First they said they hadn't been able to "contact" their insured and it "wouldn't be fair to her" if they went ahead and took responsibility for the accident..Well..my husband took it upon himself to call the driver and ask her himself...and lo and behold.. her boyfriend/hubby said "no one" from the insurance company had "EVER" tried to contact them to date..He even told my husband that as soon as he got off the phone with him...HE was going to call USAA and tell them that "yes...the accident was their fault"..

One of the rep's from the company came out this morning...and took 2 whole pictures of the damage..I had already been to a local repair shop and had estimates ready..at just over 3,000.00.. He briefly looked at it..took a few more notes and promised me he would get his report to them asap..(I tend to believe him...since I don't think he actually WORKS for USAA..just contracts out..) After several attempts to talk to our adjuster..LaRhonda Parker (whom I have yet to speak to - go figure), we have been tossed around by the USAA Parker "TEAM"..whose sole mission I believe was to have me claim on MY insurance...let me be out the deductable plus rental expense for a van..and then let GEICO try and get the money back for me...ain't gonna happen..My husband is furious..(he is a river boat pilot) and it frustrates him that he can't be at home right now to take care of the situation..Luckily the boat right now is in an area where he has excellent cell phone coverage.. =)

I have already gotten a copy of the police report, and faxed it to USAA..(Basically we have done all the work for them)..the report also clearly shows that the other driver was at fault..

After I told my husband the information was faxed and he had indeed contacted the other party..he then called USAA and advised them of a simple fact..If he had to miss his vacation..(the first one as a family in over 10 years..) Katy bar the door...every dime we have saved for this vacation...was going into hiring an attorney and was going to get them for all he could..and if he had to be home at ALL for any reason because of this fiasco...he was going to add on an additional 400.00 a day..(which is his daily pay..) Not to mention the fact we have just filed a complaint with the Kentucky Department of Insurance over this deal..(The whole lying about trying to get ahold of the the at fault party...just rubbed us the wrong way..)

After not having my usual automatic deduction for insurance debited from my account from USAA this month, I called to see what was happening. I was informed that on April 1, 2009 a certified letter was sent to my home address informing me that my auto insurance policy was not being renewed based on a bankruptcy. OK, fine... Here is the problem - I never received a certified letter and no one in my household signed for a certified letter.

I have been uninsured on three vehicles since May 12, 2009 with absolutely no idea. The customer service agent informed me that legally all they have to do is send the letter. It doesn't matter if I do not receive it. How is that legal? If that is the case, what is the point of sending it certified? After her explanation, she told me that USAA had reversed the policy and that they would in fact renistate my policy effective midnight tonight. Obviously I had her renew the policy until I can find anotuher insurance provider but, I really do not understand how a certified letter which no one in my household has signed for can legally hold up. I have acomplete renewal packet that was sent out in April that told me I had a renewed policy.

I was in an accident caused by a USAA customer. I have been screwed ever since: initially ignored by adjuster Leighton L, my adjuster was changed without any notice to Tina S who has equally ignored my phone calls & voicemails. I spend nearly $800 on a renal vehicle due to the time it took for insurance to get their act together. Now I am being told they only owe me 400 of the 800 dollars! This company is a disgrace!

I am a single mother who got in an accident caused by a USAA customer during the holiday season. I had to come out of pocker nearly $800 to cover rental vehicle expensed and now USAA is refusing to pay me in full.

If you live in Dade-Broward area and have USAA and their Appraiser is Jason W, becareful with this guy. He will purposely decrease your vehicle value and add expensive parts to total out your car. The A$$ is not to be trusted. Beware

I have been insured with USAA for 15years. Always thought they were rated highly, and were great....UNTIL I needed them. I was rear-ended, NOT at fault. USAA has dragged it's feet on paying my medical bills, even though the other driver got the ticket, so USAA will be reimbursed. They have thrown up every road block they could, and intimidated me from getting the care I needed....saying they needed this and that form....anything to pay. The investigator they sent did a 1/2A** job of looking over my car, continually underplaying it. You would think they were the other, at-fault driver's insurance company!! OUTRAGEOUS, rude people!!

My car still isn't fixed, and neither am I. I wish the same poor care on them....who do they think they are dealing with? Some nameless, non-existent person? I am real! I, in effect, pay their salary, by my premium payments, which I have paid on time, without any accidents, for lo these many years.

I was traveling North on U.S Highway 1 upon approaching a causeway exit when a women a insured USAA member came right out into traffic instead of waiting to merge, hit me broadside.FHP was called to the scene and she was ticketed for improper lane change. Officer told me she was at fault,and that she admitted to it.

The damage to my ford f-150 was a dented door that popped back out and left a 3 crease, the bed of my truck suffered 2 mild dents that are fixable,and a new tire that was punctured.USAA sent an adjuster to give est of damage,and they came back with a figure of 3,095.88 in damage. They then wanted to total my truck out for 2,500. I have gotten several estimates from bodyshops they range from 1,100 to 1,800 to fix the truck, they say it is only cosmetic damage.I have sent these to USAA and have not heard any responce from them. It is going on 3 weeks now and I'm sure the other womens car has been fix.I have also filed a complaint with Insurance Commishiner with the state of florida.Is there anything I can do to keep my truck and get it fixed, or is their someone can help me with this problem. I have contacted several local attorney's but have gotten no responce.

My vehicle was stolen on Dec 22 of 2008 and recovered on Christmas day, the 25th. The car had all of my Christmas gifts and work tools in the vehicle. The person house I was at is a business customer of mine, so I have no real relationship with her. I had only seen her once before and never since. Yet my insurance company (USAA ) continues to treat me evasively and like I had something to do with this. The insurance company decided to declare it total loss because it had been vandalized and the engine ruined.

I agreed to do an interview with the Investigator assigned by USAA and he made me feel extremely uncomftorable by repeatedly asking me the same questions over and over again even though I had already answered them to the best of my knowledge. The investigator, N. Thau, then asked me for my cell phone records along with service records and the extra key for the car. I called Mr. Thau a few days later and left him a message that the records along with the key were available for pickup at my office at any time. I did not want to send this additional key in the mail because I was afraid it would be lost and I felt that it was a key piece of evidence to let them know that I did not leave the keys in the car. I never received a call back from him nor did he pick any of the requested items up.

A month later I received a letter with the title additional information needed. I called the adjuster (N. Guiterez) to ask her what the info was and let her know that the other items had not been picked up and she assured me that nothing else was needed. Then, after another month (and numerous phone calls made to them requesting status updates), Mrs. Guiterez informed me that those items were indeed needed. I faxed them immediately and still have not heard anything from them regarding the status of the claim.

I am writing this complaint due to my complete dissatisfaction with USAA. I have never missed a payment on my vehicle or insurance policy yet I am continually getting evasive responses from them. My lease is now up and I have to continue to make payments to Nissan although USAA is in possession of my vehicle. I have since hired an attorney and we plan on litigating this matter as far as we have to get remuneration. I feel as though they are trying to take advantage of me even though I had nothing to do with this. I am asking for your assistance in getting this matter behind me.

I am not a rich man and cannot afford to pay for the damage to my vehicle. I had nothing to do with this particular instance and have become very distressed over it.

i was at my grandsons ballgame parked in the parking lot. a car backed into my car causing damage to my left fender. she was a usaa member. i have farm bureau in. they got an estimate and repaired it but i had to pay my deductible. that was in august 08. i have yet to be reimbursed for the deductible because usaa sill will not reimburse farm bureau.

this has beed 5 months. this is riduclous! anytime that you try to call the usaa ins they are never in the office. you leave messages with the claim number and your home phone but you never hear back from them. im just so appalled that a company that is supposedly here to help our men and women in the military has so many complaints against it!

My complaint is in regards to an accident that transpired on 11 Aug 06 under USAA Policy # 1541-35-53. The representative we spoke with after the accident stated that my wife was at fault due to the fact that she still had use of her brakes even though the brake usage had been diminished because of the previous accident that was not completely. The justification was that she may not have had 100% of the use but still had functional use of the vehicle. This did not bother us at the time because USAA did not raise our rates. After switching from USAA to Progressive we were informed that the at fault? accident on 11 Aug 06 would cause us to pay an increased rate.

Upon hearing this accident was affecting our premium on the 16 Feb 09 I contacted USAA with the assistance of Progressive via a three way call. The USAA representative informed that the original rep would have to handle contesting their decision. Later that day, the claim reps manager called me to inform that the fault of the accident was not the brakes because the repair shop inspected them before releasing our vehicle and couldnt find anything wrong. I informed the manager that my wife and I took our SUV to the dealership where the maintenance manager test drove the car with us and stated there most certainly was an issue with the brakes. Toyota replaced the Master Cylinder and the brake issue was resolved.

The USAA manager then stated that the two instances were not related because of the inspection done by the repair shop and the assessment completed by the insurance adjuster. I informed that the failure of their people to identify a problem doesnt automatically make the issue my wifes fault. The USAA manager questioned why we waited so long because the incident was now outside their statute of limitations which was two (2) years. I informed that our rates had never increased for this accident until we switched insurance agencies. At this point the manager challenged the fact that our rates never went upwhich they didnt.

The USAA manager started to repeat her argument that the vehicle had been inpected and the original assessment would stand and that USAA could not and would not reverse a decision made over two years ago. I pointed out how USAA had told us that we were originally at fault because we had some use of the brakes when the accident happened even though it was associated the previous incident, then when we called back we were informed that the accident was unrelated to the previous incident with a convoluted explanation that is only valid if the master ABS cylinder went out within two days of our car was released to us. Upon hearing this the USAA manager said she wasnt going to reverse the decision period. I then informed I would be submitting this complaint and ended our conversation.

USAA mislead regarding the reasoning of a claim which didnt surface until we switched insurance companies and is costing over $500 a year difference in premium. I was only seeking a letter stating the accident was not at fault meaning my wife wouldnt be held accountable with an increased premium due to the automobile not being repaired correctly. But were instead mislead and then accused to cover the fact that they can no longer make the change. Progressive stated they could make the change up to 35 months back and that every company is different. Do yourself a favor, choose another insurance company over USAA.

Almost $600 a year difference in insurance premiums.

on jan 31 i was rear ended at a stop light by a usaa customer. I called in the claim on the spot after all the info was exchanged. The following monday i called the agent that was assigned to my claim. For some reason he was not going to be in the office untill thursday. By wensday my wife calls usaa and they said the file has been assigned to another person named Linda Lawson, they lady said that she sat next to Linda and would have her call to update us on what was going on. She never called and my wife called again on Friday and after she did not return her message, she spoke to another person and they said that I could not take my car in to get fixed until Linda finished reviewing the file.

Linda has never called us and we were hoping to get our truck into the shop. It has been severely rear ended and the tail light is out, if we get pulled over by a police officer we will get a ticket. The shop said that it would take at least 2 weeks to complete the damage. Today the 9th i call and linda will not be in today. I takled with another rep and they said that there waiting to here from there customer to hear there side of the story. It makes no sense that they have not heard from the customer considering that his truck had to be towed from the site of the crash do to the sevear damage done to the fron end of his truck.

my new truck rear ended pretty bad, it could have frame damage. leagly i should not be driving it, but do to my work hours, my wifes schooling and our son we have to have two cars. Thats the only reason im still drive it to and from work. If i get my insurance involved then that is still a claim and my insurance goes up. If i get a rental that money comes out of my pocket untill this claim is settled. Becouse of this accedent my new custom truck i just bought has lost some value just because its been hit.

I have been a USAA member for over 10 years. I hold all of my financial and insurance business wih them and recommend them to anyone able to use their services. About 90% of the time, their customer service is AMAZING! I have had a couple new reps that rubbed me the wrong way, but all in all, I feel that USAA lives up to their word. I trust in USAA.

We have been loyal customers of USAA for ten years. We have purchased several of their products to include multiple car insurance, renters & homeowners insurance, and vehicle financing. So we were shocked when we received a USAA check in the mail for the payment we had just made for six month automobile coverage starting Jan 09-July 09. We made a pre-payment in June 2008 for 6 months of coverage and simply lost track of tim. We were 11 days behind the due date for our current policy at the time of payment; again pre-paying for 6 months of coverage. Unbeknowst to us, USAA had already decided to cancel our car insurance outright as of the 9th.
We were later told that the customer service rep should not have taken our payment.

We called USAA immediately after we received the check back, we were told that there was nothing they could do and they did not want our business anymore because of payment history. We have only filed one claim ever with them when the wind swung my door into the door of a neighboring car. We asked them if they ever tried calling us to remind us about our account or that the first payment was coming due and they said there was one automated try.

Either they have way too many customers or they believe they are recession-proof. To turn away paying customers who pay for six months of coverage in advance is just not good business sense and defies logic. To top it off, we asked to be transferred to the finance department so we can find out the remaining balance for our existing car so we can get it financed elsewhere. They acted baffled and confused when we told them since they did not want us as a customer for their insurance products, we were not going to remain a customer to them at all. Then they had the nerve to say thank you for trusting USAA to which we retorted we'll we don't anymore. After reading all the horror stories of people who had claim issues, I guess we are lucky in the whole scheme of things.

We have to find insurance for two vehicles within the next two days because we were just notified yesterday that our insurance ends on 2/2/2009.

I was in an accident that totaled my vehicle. The other driver was at fault and had USAA Auto Insurance. USAA contacted me the next day and volunteered to supply me a rental vehicle if mine was determined to be not drivable (which is what happened). Now I've been told they only continue the rental vehicle for 3 days after a settlement agreement has been reached. However, the settlement check will not be here within that time frame.

The settlement check affects the amount of money I can put towards a down payment on another vehicle, which affects the monthly payments for financing. So I have to rent a vehicle with my own money and wait on that settlement check, or buy something so cheap that I will never be happy with it when I was not at fault for the accident. I think this is very wrong.

A woman slid on ice and went into my husbands lane of traffic causing an accident. The accident was not my husbands fault. The other driver lost control of her car and came to a dead stop in his lane of traffic.... on a highway I might add. USAA said they would not pay the deductable because they said my husband should have been able to AVOID hitting her.... There was traffic in the lane to his left and a cement WALL to his right. They said that it was my husbands fault for not being able to avoid her. She came to a complete stop in the middle of his lane perpendicular to him.

Consequences are that we do not have to money to get our car out of the shop. We have lost and are continuing to loose days of work due to the fact that we only have one vehicle. We feel betrayed and ripped off by USAA!

My complaint is not merely about the biased and unjustified estimate I received per se, but it is also related to the manner in which the USSA appraisal agent at this particular facility behaved, located in El Cahon, CA. The male individual (Chris M.) in question was patently unprofessional in his behavior. He was rude and openly hostile in his actions and his wordage. He expressed sexism and classism through his words and actions. Additionally his behavior was discriminatory. He was flagrantly derogatory in his comments. He disregarded what I said and was confrontational. There was no cause on my part for this irrational behavior. This agent appeared to be a man who was on the verge of some type of breakdown.

In fact, I believe that this individual, at the very least, be psychologically evaluated and his soundness of mind be confirmed before I would trust him to perform his duties in a professional manner. I do not wish to rehash, nor relieve this experience, as it was extremely distressing and disturbing for me and for my daughter. I gave the details to the individual with whom I spoke several days ago via telephone.

It appears, as well, upon investigating your company, USAA, via the Internet, that there are countless other complaints concerning the behavior and actions of this company, USAA and its agents. These complaints are not limited to victims, but to USAA insured as well. Apparently, I will be forced to take my complaint to the insurance commission, as your company apparently does not act upon complaints and injustices.

We have both homeowner's and auto policies (and other things) with USAA. On 12/13/08 we had a severe wind storm and a number of shingles blew off the roof. The wind also ripped the satellite dish out of the outside wall and blew shingles onto my 2008 car. I contacted USAA and was told I had wind coverage after a $500 deductible and that the roof and satellite dish were covered. When I called back and asked about the damage to the car, Rebecca told me that ...was an act of God and would therefore have to be covered under my auto policy, which would make us subject to another $500 deductible under the auto policy. This seems incorrect to me, since it is the same incident, not auto-accident related, and frankly, a piece of the house fell on the car. Why is it not also covered under the homeowner's policy?

We'll be out another $500 deductible.

On 9/17/2008 I was hit by one of USAA insured. Make a long story short she ran the light and hit me.She was sied for failure to yeild while making a left hand turn.I reported them to the Ins. Comm. and I went to court the Judge found her guilty. But they refused to pay they continue to say that their insured was not at fault. When I called them they told me to go through my own insurance and let them pay for it.(very rude I might add) My car is fixed (my insurance fixed mine) but they wont pay for my insuance bill which at this moment is about $4,000+. This happend in Sept. Here it is 3 months later and still nothing. This is ridiculous.

As a result I messed up my knee and I have to go for a x-ray or MRI every 3-6 months. My back bothers me. I was out of work for a month and in a brace for 6 weeks. My leg was swollen so bad that I couldn't do anything not even walk short or long distances.

I was hit by a USAA driver as she attempted to change lanes before I was clear. She got out of her car and clearly stated I'm soo sorry, its my fault, its my fault. So we exchanged information and went our ways. No police report was filed because our cars were driveable and they won't respond unless there is an injury. So after proceeding to work, I ended up with a bad headache, I went to the emergency room and was told I had a severe headach caused from neck strain(whiplash) from the accident. I sent all this information into the USAA agent and as of this date (1 month later) She has been(the lady that hit me) called 4 times, sent numerious emails, sent a letter and she is totally ignoring the insurance company.

The agent at USAA told me that unless she calls them to give a statement, they won't do anything and I would have to either (1) Go thru my insurance or (2) Take her to small claims court. The damage to my truck is $850.00 (as per the USAA agent). So someone that has USAA insurance, if they hit someone and there are no witness's that stop, or a police report isn't filed, can get away scott free! This sucks. So I'm taking the advice of the Lady from USAA that posted on here saying contact the state insurance supervisor and they said to send all the information to them and they will do an investigation. This is crazy!

$850.00 damage to my truck and a neck strain!

Yes on 10-24-08 I was rear-ended by a driver insured by USAA. I was shoved into the car in front of me as well. I contacted USAA that following Monday and faxed them the police report. I told them I needed a rental vehicle. The would not give me a rental because they said the wreck was under investigation. I called back for days to and left messages and received no calls back to me.

Finally the adjuster called me on Friday October 31. She told me she was going to have me in a rental car that day. Well here I am over five weeks later with no rental car or no efforts from USAA to resolve this matter. This has not been handled in a timely manner and has not been handled at all basically. Lawsuit may be in the immediate future along with complaints to state insurance commissioner's office. This company obviously is incompetent and has a poor reflection of customer service issues.

As a result of this I have been without my own vehicle for over five weeks now and counting. I should have went to the hospital after the wreck also. My neck was hurting 2-3 days after the wreck and I had what appeared to be spinal fluid drain out my nasal passages when I exited the car after the wreck.

I was driving down a 45 mph street on a rainy night when I hit a deeper then average Pot Hole. I thought nothing of it initially since I drive an SUV. A few days later I began to hear a whining sound coming from the rear of the vehicle. I thought to myself it is probably just road noise and paranoia and put it out of my mind. After a couple of weeks I could not deny that there was damage done to the rear of the vehicle. I took it to a mechanic who looked it over and told me the rear differential was going out and that my vehicle was not safe to drive. I asked him if that could have been from hitting the pot hole and he asked me if I had had any problems with the rear prior to that incident to which I answered no. He asked about the details and as I explained he kind of smiled and told me that yes, it is due to that incident. He said that with my model vehicle (which I will not identify due to fear of being sued) it is not an uncommon problem. He used to work at a dealership and had seen a few instances of the type of damage I had due to similar circumstances.

I priced the work that need to be done and almost passed out when he told me it would be over $4000.00 (USD) to repair. I said OK and left there looking for a second opinion. After having the car checked out for a second time (at a fee of another $100) and explaining the pot hole incident the mechanic gave me that same smile and said pretty much the same thing the other mechanic had said and quoted roughly the same price. I first contacted the city to complain and seek relief to the damage done to my car (after all, why am I paying taxes if not to have decent roads to drive on). The representative I spoke with explained that I drive on the roads at my own risk and they can not be held liable for any damages to my vehicle.

Fast forward a couple of months to a conversation I was having with a friend of mine (yes... contrary to my wifes beliefs I do have friends) he asked me if I contacted USAA about it. I told him no to which he then explained that since I have full coverage (and I do mean FULL coverage) it should be covered. I thought what the hay, and called them. The lady I spoke to initially told me that what I had described should be covered and but that the final determination would be made by the adjuster. We made an appointment and on the day of the appointment the adjuster called and said that he would be there an hour early. Normally not a problem but we had another appointment earlier in the day and knew that we would not be home that early.

We explained that we would not be home so we needed to keep our scheduled appointment. He tried to say that he would not be able to come by at the prearranged time and that he needed to come by earlier to which we explained again that we could not be there that early and that the original scheduled time had to be kept. With a very short acquiescence he hung up. We made it home and he took one look at the car which was parked in the drive way the whole time and said he needed to see it up on a lift so we had to find a garage that we could take it to and reschedule with him. I did not argue and made the arrangements. I called him to let him know when it could be done and he did not sound happy about it since it was at noon (lunch time). He again gave me a short agreement and hung up.

Two days later I drove the SUV to the garage (which I should not have been doing but I don't have the money to have it towed). He showed up late, looked it over and spoke to the mechanic that was assigned to the vehicle. I asked him if he wanted to go for a drive either with me or with the mechanic (the mechanic had offered to take him for a drive earlier) and he basically ignored me. After he was done with the inspection and speaking with the mechanic I asked him what the next step would be. He said he had to do some pricing and see if he could find the parts and a "salvage yard". At the mention of "salvage yard" I balked and asked him why he would be trying to find my parts at a "salvage yard".

My SUV is 4 years old and has a little over 50,000 miles on it I could not believe he was suggesting putting a junk yard part in my SUV. He pretty much blew me off and said he would be in touch on Monday (since it was Friday). Shortly there after I called USAA to find out what their policy was on replacement parts since my adjuster had disregarded my questions and blew me off. I explained the situation to the lady I was speaking to and asked her if it was USAA Standard Operating Procedures to procure replacement parts from a "salvage yard". She explained to me that any car over 2 years old would be subject to parts from a "salvage yard" before looking at any aftermarket or dealer parts. She also told me that she knows my adjuster and that he is one of the best adjusters at USAA. When she told me she knew my adjuster alarms started to sound in the back of my head. We traded a few more pleasantries and hung up.

That Monday I get a call from my adjuster, he tells me that he spoke to other mechanics he knew and described my issue and they said that the problem I am having could not have happened from me hitting a pot hole. I waited a day to digest the information he gave me, spoke to the mechanic again and, armed with the information the mechanic gave me called USAA again. I asked to speak to a manager to which they put me through to a very nice lady in another division of the claims department. I explained to her the whole scenario including a couple of conjectures on my part as to why the claim was being denied. I asked her how it is that he can describe a problem to another mechanic that had not seen my vehicle and take their word over the mechanic that had seen, inspected and spoke to the adjuster about my car. She told me she would look into the matter and get back to me.

She then put me in touch with the adjusters manager who feebly tried to back up his adjuster. By the end of our 45 minute conversation he told me that he would have the adjuster look at it again. All I had to do was take it to a shop and have them drop the rear off so that it can be inspected. And oh by the way, he said he was denying my claim because he did not see any damage to the undercarriage of the vehicle. I quickly replied, at no time did I claim my SUV bottomed out, it was a pot hole. I then pointed out that this is a not the reason he told me he was using for denying my claim.

I called the mechanic AGAIN (he has been very nice and helpful) and asked him if the adjuster had mentioned anything about damage to the undercarriage and he said that he had not. The adjuster had however asked if there was any damage to the rim to which he told him there more then likely is but he had to take the tire off and put it on the wheel balancer, but since he was not being paid to do so he would not (quite understandable). He told me that just because the rim does not look damaged, it does not mean that it is not. It more then likely is damaged and is more then likely the cause of the wobble in the back end when driving but he could not be definitive about it without taking it off and checking it. All indications are that the damage was done when I hit the pot hole.

I made a few phone calls to see about having the rear dropped off so it can be inspected by the adjuster and the reply I was given was along the lines of a chortle. No shop is interested in dropping the rear end off so that the adjuster can inspect it since there is a possibility that the adjuster will turn down the claim. Now if I want to pay the $700 or more to do it they will gladly accommodate but they will not be responsible for the rear end and if it can not be put back together or back on for any reason I would have to pay the storage fee ($150 a day plus a fee roughly $200 a day for tying up a lift).

So I again called USAA and spoke to the manager I spoke to the first time (the nice one) and she again said she would call me back. She called me yesterday and said that USAA will cover one hour of Diagnostic time to have the vehicle inspected. She said she is going to find a "USAA authorized garage that can fit it in if I don't have a garage I want to use. I mulled it over and told her I would call her back and let her know if I can't find a garage that will do what is requested. I began to do my search online and came across this web site and am the better for it. I now know that I do not want to take my vehicle to one of the "USAA authorized garages". I have the name of a place that comes highly recommended by a couple of friends that I contacted and is willing to do what is asked. Now let's see if USAA is going to honor the agreement. Thank you all for your posts, I have found them very good reading, and will post again to let you all know what excuses they come up with next. It seems to me that for the big ticket items the policy is deny, deny, deny....

I was in a Enterprise rental car that USAA uses. Long story short i was carjacked and assaulted. USAA has been horrible. They refuse to pay medical bills using Auto injury solution which is ridiclious on what they think is medically ness. They want records from my past that have absolutely nothing to due with this. I have PTSD and they are refusing to pay i have 100 percent medical payments. In Fla. if you are a victim of a crime they pick up your deductible. I went through hell with them on this. The state attonrney wrote them and they were forced to pay Enterprise my ded. of only $250.00. For a vicctim of a crime they way USAA has treated me is like being a victim over and over. They are heartless. USAA i paid on for 13 years.

As a result of this I have PTSD and USAA has refused therapy for me. I am in fear of driving and this crime has affected all areas of my life.

I have a 2007 Grand Marquis Mercury LS that I purchased new on 11/20/06 with a production date of 10/06. I was heading to my second home in Millbury, Oh. on 11/18/09 and at about 05:30 a.m. a deer ran out from the side of the road and hit the right side of my vehicle, This happen in Tn. on U.S. Hwy 43. The police was call and a report made. I call my insurance company (USAA) and reported it. The car was driveable, so I continued on from my home in Tn. to Oh. I went to a local Ford dealership to get an estimate. With was $4708.23, with a $500.00 DED. it would cost the insurance Co $4208.23.

The adjustor informed me after he received the quote that is was to high and he would send an adjusted that represented them to check the vehicle. A local damage appraiser came to my resident and gave me a quote to fix my vehicle WITH USED PARTS for $4,170.96 less $500.00 which would be $3,670.96. I am sure the ajustor was paid at least #250.00 or more. I informed him that no used parts from a junk yard would go on my vehicle. The adjuster from USAA called me on 11/29/08 an informed me the same. I informed him that no used part would go on my vehicle. He informed me that the vehiclle was over 2 yrs old and in short that was it.

I informed him that he had better inform his boss that I have been with USAA for almost 40 years that they would lose my business. I have two homes insured, one with flood, three vehicles with full coverage and a home financed with them. It like 2 days being 2 years from when I purchased the vehicle. As I said the production date was 10/06 and I purchased the vehicle on 11/20/08. the vehicle had 14589 miles on it when the deer hit. It has 15161 on it now and in show room condition except from where the deer hit it. It was my belief that you carried insurance to protect you from a loss.

I got a letter from USAA insurance asking for my insurance carrier. This was a claim put against my vehicle on 10/30/2008 in Houston TX. The problem is I was no where near Houston that day. There is no damage to my vehicle to indicate an accident. They say if I don't respond to them they will take legal action against me and to have my driving privileges suspended. What did they do pick my name out of a hat? No police report? This sounds like a scam to me.

On 10/18/2008 Mr. Joshua backed out of parking space without looking into my Cadillac and actually lifted me up off the ground. Damage was on the front and back passenger doors. I had 3 lights come on immediately: air bag, tire monitor, and stability. The front passenger window is sticking. I had already told Samuel W of USAA and per his suggestion he would send it to the dealership for diagnostic. I noted all this for the adjuster Brian and his response was the lights are not on now and he did not know anything about Cadillacs and that I spilt a coke down the window?. I paid for the diagnostics to be done myself and the body shop owner said nothing was spilt inside the window when he took the door apart to paint it.

I phoned Mr. W to remind him that the diagnostics was his idea and he said I would have to prove the lights came on?. He was very rude and basically called me a liar. All you need to do is listen to our recorded conversations. When I went to pick up my car, the body shop had call USAA about the check and was told per Mr. W I would have to pay for it myself that the check had been mailed to me on Nov. 5.

Today is the 10th and I have not received any money. I called Mr. Ws manager and was told because I did not use their body shop that I had to take responsibility for the bill. This has been a complete nightmare for me. I was involved in an accident to no fault of my own and now I have paid $90.00 for diagnostics and $1,568.77 for a repair. To top it off my window still is not working properly. It sticks and scrapes going up and down.

I do not know how an insurance company can hire such rude and uneducated people to work for them. I am very disappointed in their service and the people they hire to deal with someone who your client has negligently hit. I will be sure to tell everyone I know of my experience with USAA, the customer service agent, his manager and the adjuster they chose to handle the claim that does not know anything about Cadillacs. I will also be filing a complaint with John Oxendines office, The Insurance Commissioner of Georgia about the handling of this claim, the money I have had to pay, and the treatment I have endured from the employees. Perhaps USAA should read what people have to say about your company on consumer complaints at consumeraffairs.

My boyfriend was rear ended and he settled with USAA after three years of litigation. I paid for his care in the mean time at a cost of 150,000.00 I have been reimbursed 10,000 by my boyfriend. July 2008 I was in a accident and USAA has such a bad reputation here in North Florida that doctors will not even deal with them. I am having a difficult time getting medical attention. I have extensive neurological injuries and may not be able to work if I don't receive treatment. I guess I'll have to sue too!

USAA has destroyed my life. They are a heartless company that does not investigate, nit picks claims papers my doctors submit, and now no one in North Florida will accept them as payment for medical care. I have to contact the insurance commission to get my prescriptions reimbursed.

My husband has had USAA insurance we were told by them, and knew it was near this time, 37 years. This year they blew it! When we changed companies they actually asked us to stay, however they could not fix our problem, but he had been with them so long, please stay. Get real. We paid our insurance and they actually turned our cars in for not having insurance. When we recieved notice we called. They talked with us then, and said no problem, your insurance on your auto is not cancelled. Then we got the State notice to turn in our tag on one of our three cars. Um, how did they just pick one and let the others be covered? you may ask, well so do we.

Then they sent notice that they were just up and cancelling two policies on rental properties we just bought this year. How can you pay one check to an insurance company for 37 years and then they all of a sudden decide where your payment will go. If you write one check, should it not be dispursed? And if you pay insurance how do you pick a car to send cancellation. Oh yeah they did have my husband fill out a form to say that they did not cancel our insurance it was a mistake, but they neglected to tell him he had to do one for each thing, and they only sent him ONE form, three cars? They want us to stay are you kidding?

Loss use of a vehicle due to turning in license plate because insurer USAA sent notice that the one paticular car did not have service. So a month worth of not driving, and I both are in sales, loss proably, at our salaries plus the comission for just one, and getting new insurance with someone else and paying another fee to the new one, when we had just paid $600 some to the old, um, $3,000 and up

I have been a loyal USAA insurance company for 7 years. Not as long as many, but a faithful one nonetheless. I had no tickets or accidents before they decided to hang me out to dry three months ago.

I had my brand new 2007 Toyota Tacoma off road in England. My entire family was in the car, to include my 2 year old daughter, my wife, my 6 year old daughter and my son. We were in a paid park where you can drive around on their trails. After going through several puddles, I went through one that unbelieveably was more than 5 feet deep.

The truck flooded, almost a total loss. $12,500 in damage. They won't pay a penny. They say I was driving in a competition. All I can tell them is that I wasn't. I was alone with my family in the middle of a park. It just looked like an ordinary puddle.

USAA likes to claim that they try and find ways to pay out on claims. I'm not sure how they can claim that while leaving me and my family high and dry on this. They interpret the policy one way, I another, guess who wins. Congratulations USAA.

I checked with an agent, and Geico was $500 cheaper for the same policy. Made the switch tonight.

$12,500 worth of water damage.

I have been a member of USAA for 20 years. Over the last two years service has been very poor due to USAAs push to have customers use their website instead of having teps available 24/7 like they once did. Over the last year I have reported checking account fraud and illegal withdrawls from my checking account on five seperate occasions. USAA did nothing to stop or resolve the problem. I had to resort to having my money deposited to a bank in Denmark because the risk of using the USAA account was too high.

Becaause USAA did nothing to stop the illegal withdrawls the account soon overdrew and they closed the checking account without notificaiton. As the dollar went lower I decided to have my pay (I am paid in USD)sent to my USAA account this September. I logged into my account to find the checking closed but the savings was opened. I called USAA to indicate that I would send my next pay check to my still opened savings account. I changed all my bank details to have my money sent to USAA however, again without notification USAA closed the savings account 2 weeks after speaking with them on the phone. My pay deposit was rejected by USAA which will now take another 30 days to get it resent into my other bank.

I have spent 2 hours on the phone today with USAA without any resolution as to why they closed my savings account without any notification after I had just spoken to them two weeks earlier to confirm I will sent my next pay to USAA. The reps these days are very young and immature. When trying to get something resolved I end up speaking to someone who sound like they are in thier 20s without any clue as how to handle a problem or provide customer service. 5 years ago, USAA was a premier bank and insurance company. Today i am unable to justify them as different that any of the other substandard bank. At least with other banks you get 24 hour phone service and network banks all over the USA. USAA has only one bank in Texas, thier rates are no better than Gieco and the phone support is not only limited but also very poor. Bye Bye USAA

Today I did not get paid because USAA has rejected my incoming wire deposit. It will take 30 days for my employer to resend my pay to another bank. i have no money to pay bills or eat. I work in Afghanistan and its very difficult for me to deal with problems from here. I am also out many hours of my life I will never get back trying to discuss this issue to no avail with USAA.

In January of 2008, we were rear ended at 50 to 60 miles per hour. My seat broke and I hit my head, suffering a closed head injury. The children were bleeding in the back seat of my car and I was rendered unconscious for 6-8 minutes.

USAA's hired physician, stated that because of using pain medication, The accident didn't cause any bodily injury. The logic is amusing as I was not on pain medication when the accident occured and they totaled my car.

I ended up having surgery on my cervical spine fusing C5 and C6. I had neuropsychological testing done to determine why I was thinking irrationally. The tests were done over a series of four days in which I would not take pain medication for my injuries to not cloud the testing.

I been prescribed vicodin on and off for the last three years due to low back pain. When I first saw the Primary Physician, I told him I was tolerant, so he increased the dose and changed the medication. He explained it to me clearly, yet, I accidently took too many pills because of memory problems.

I lost a significant period of time from being a good parent as I had three double phenomias due to being intubated and my body's lost its ability to fight infections. This lead to a long period of pain and suffering, along with depression.

This further depresses me as know I have to pay for medical expenses as my health insurance exclutes auto accidents.

I am insured by USAA, and have been a customer in good standing for 10 plus years. I have only had one claim during that tenure. In early August of '08, I was walking around in the back of my 1994 travel trailer, and my foot went through the floor near the outside wall. I brought the trailer to a local RV service center, and was told that there was some extensive water damage from a water leak, and I should probably contact my insurance company. I contacted USAA on 8/21/08 and explained to them my problem. On 8/22/08 an adjuster went and looked at the trailer.

After many calls and very unprofessional company representitives, 3 1/2 weeks later the adjuster has contacted USAA and told them that the water damage is wear and tear. USAA is telling me that there is nothing they can do for me, and I should have had the camper inspected 2 times a year for water leaks. I have owned this camper for 6+ years, and have faithfully paid USAA to insure it the entire time. If I had ever had any water enter the trailer, I would have done something about it imediately.

The RV center is telling me that it will cost thousands to repair the camper, as the 2 walls and the ceiling are severely water damaged and my insurance company tells me it's my problem. I asked them to show me in writing where it states that I needed to have my camper inspected 2 times per year, in order for my insurance to be honored, and they told me they couldn't, and that it was common maintainance on a camper. I think this company likes to take your money, but they don't want to pay up when the time comes. Now I am stuck with a camper that is virtually junk.

We have been faithful and loyal customers of USAA until August 2, 2008. We have never had a claim and have always paid our bills on time. My husband is active duty military, served his time in Iraq, and is currently stop-lossed. When our auto policy was to be renewed on August 8th, there was one big thing missing, the military discount. Normally on our two cars, mishibushi eclipse and toyota matrix, it runs us 480 every 6 months with full coverage.

During this new renewal, the policy went up to 795. We asked about the discount missing and were told it would be investigated and we would have an answer in 10 business days. Well that was on June 18th. After numerous calls, emails, and voicemails, we recieved an answer on August 2nd, stating that our state of Illinois no longer offers a military discount for auto insurance and we would not be eligible for it any longer.

Needless to say, we have terminated any association with USAA since they seem to only be about the money and not about customer service. And according to our new insurance company, Illinois still allows discounts on auto insurance for military service.

My 17 year old son stuck my ("his") 2005 F-150 Crew cab 4x in a very deep puddle.

He had to dive to connect a tow cable and the water was almost up to the door handles. It was in the water quite a while. The truck already had some body damage on it (right quarter dimple, some rear bumper, some front bumper) but was in good working condition when he drove it into this puddle? that turned out to be much deeper and softer than it appeared.

At the time of the incident he was estranged from me and staying with his mother, so he did not notify me and I discovered it just before sending him off to a wilderness program and boarding school.

The truck was not driveable after the dunking and he left it in a transmission shop. I put the truck in my repair shop and told them there was no hurry.

Some time later, in talking to the shop, I became aware that I could file a claim for water damage with my insurer. I did so. By then the truck was in the body shop and that shop did not initiate repairs but awaited USAA's OK.

That was about 6/20 and the truck is still in the body shop.

Initially USAA could possibly have refused coverage of the water damage due to my late reporting of the claim and their inability to see the truck before the major mechanical repairs were done (some remain to be done, but USAA isn't considering them and has closed the claim). They did not.

They accepted my explanations and proceeded with (oddly extended) evaluation of the claim.

I was involved in a head on collision with a 4 wheeler on June 29, 2008. I called my insurance company, USAA. USAA refered me to their body shop C&F Auto. After C&F Auto had my car for a month and a half and called me 3 seperate times claiming my vehicle was done(which all 3 times there were still major issues) I finally took it back due to the fustration of them not fixing my car to the way it was pre collision. The other person involved in the accident recieved a ticket. I did NOT.

Just today after me MYSELF making calls to Progressive and USAA liability was found to be the other drivers fault. I at this time have a car in my drive way put together with zip ties and touch up paint. I am waiting for an adjuster to come to my house to determine if these issues are related to poor workmanship...zip ties!

The adjuster called me and told me that the poor workmanship on my vehicle is my opinion and he will address the issues tomorrow. I was also told by USAA that they can not guarentee that I will have a vehicle to drive when mine goes BACK into the shop to be properly fixed because my policy only covers 30 days of rental vehicle use which was sucked up by the shop of USAA's choice.

I got into an accident with a USAA insured. Mark Burski was the claims person. We discussed the accident, he taped my statement. He tried to get me to accept 100% fault which I denied. I said 50-50 and he said absolutely not. I then requested a statement about the accident from thier client and he said that you will not get. I said what about my statement? He then said You SUPPLIED me with your statement.

He finally agreed to take 35% fault for his client and then sent me a letter accepting that. The letter also stated that a check was being mailed in a Few days for approx. $2549. That was May 22. It is now June 24th. I left many messeges with his manager, Ms. Billingsly with no reply and with him with no reply since. I finally threatened a Better business complaint and Mr. Burski called me today. He started playing his games again saying the reason he didn't call me back is I didn't leave my number. I asked him how did he call me today? (Some people are not as smart as they think they are).

He then said I've always had your number but you did not leave the claimn number when you called. (More games). This company has many different complaints online mainly from thier own clients! If you need to deal with this company, you should get a lawyer.

I have not gotten a check from them. Mr. Burski's continous intimination/harassment. Unethical practices from the company. Ostrich upper Management.

I had an accident, not my fault. The car was totalled. Could not get a fair price and after all thatI fed-exed them my title and voided check to deposit directly into my bank. It has now been 4 days and nothing. They told me that the info came a day later. Not true, i had the fed ex number and called.

Physically I am injured, just had back surgery.

My daughter's suv was wrecked and USAA sent out a claims adjustor who made a low ball offer on the car. I found out that they use a clipping service to establish prices for that model. I asked them to send me copies of the clippings of cars for sale. I then called each and every one of them - only to find: wrong model, not the same features, milage that was different. I called them back they offered me $1,000 more - done deal!

I was hit from behind while parked on private property. I have had USAA for several years. The driver who hit me and I called the police and they came out and filed a report. We did not call insurance companies, but rather gave each other info. My 3-year-old daughter was in the car too. I reported the incident to USAA and they handled it. I called Elle in CA, my adjuster, and she called me back right away every time! The situation was handled very quickly. They sent a damage assessment person out the next day too.

My daughter and I were not injured and I told the truth, that we were fine. I did not need to sue anyone for any reason, accidents happen. I am sorry that everyone has had such a hard time, however, it was pretty smooth for us. Car accidents are never fun, but someone on here gave great advice, to call the top dogs and get your file closed quicker! Good luck! Also, sue for the right reasons, if no one is helping you, not just for a quick check!

Back bumper fell off. Paint on rear right panel was scratched. Light was broken.

After being rear ended by USAA client, it was a nice day, no sun in my eyes; it was a perfect spring day. No radio on, windows were down. 2 cars in front were stopped as was I. The SUV I was driving was hit from behind, I pushed harder on the break and looked up to see a female holding what looked like a cell phone in her hand and a look of surprise on her face. The woman hit me hard enough to push me about 6 feet. I did not hit the car in front of me. Within about 2 seconds there was a 2nd SUV that hit the womans car knocking it into me a 2nd time. However this felt merely like a tap- . Police were called on scene; the woman to my knowledge was cited twice. About the same time the office secretary came to the scene at my request the womans husband was also getting there. The husband was yelling at the woman to shut up as he did insurance for a living and knows what to say that he will get her out of it The woman asked if I was ok as she walked past me, not waiting for a response.

The womans car had to be towed as the front end looked completely smashed in. the back of the car was dented but would not prevent the car from being driven as she was able drive it to a parking lot. I was driven home as I had an instant migraine (I do not suffer from migraines, I have had one or 2 during my 43 years) I was sick, to the point of vomiting most of the night, had maybe 3 hours sleep and woke very sore with a throbbing headache. I did call USAA and ask about medical but USAA would not answer questions until I made a statement. I was asked before the recording all types of personal questions about my driving record and health information and the accident. Then during recording of statement the adjuster would cut me off and not let me finish my statement leaving it only to what the adjuster wanted on tape. ( I felt unheard) then adjuster would not allow me to ask questions during recording-about my injuries. I stated that I had a migraine from accident and the woman stated that I suffer from migraine. I said no, I did not but she refused to hear me and kept talking over me and cutting me off.

Adjuster stated; USAA will not pay for any damage to my person, you have to sue your car insurance, it isnt our problem, it is yours?. I did not have medical, am still in pain, have an on going headache, cannot loft anything over 15 pounds, have trouble with numbness in my arm and constant pain in the lower back and at the base of my skull. NONE of which I have had before. I have no health coverage and cannot afford to seek medical attention, nor sue the insurance company for damages to my person. Any help is appreciated.

Also- I over heard the person who hit me her husband telling her to shut up- he knows insurance he did it for a living and knows what to say and do to get out of it I tried to tell the adjuster this but she just kept cutting me off not allowing me to make an accurate and full statement. I have no health coverage and cannot afford to seek medical attention, nor sue the insurance company for damages to my person. My husbands Expedition has over 2500. In damages and they would only provide a check to fix it for 1400. Additional information can be supplied when needed

A USAA customer totaled my wife's 18 month old Prius. After reading the comments on this site about USAA I was very nervous whether we would recover our losses. Turned out to be a needless worry. USAA settled almost immediately at a fair price and reimbursed us in full for all miscellaneous expenses within 15 days of the accident.

My car was hit in a Wal Mart parking lot in Modesto, CA. and the women that hit my car stated there were previous damages done to my car, which was not true. I called into my insurance company and stated there had been an accident in which I was involved. My policy had lapsed within the 24 hour time period. I then reinstated my policy and the car was hit again. I called into report the incident but my insurance company would not pay due to the fact that the woman said there were previous damages done to the vehicle. USAA took 4 months for an adjuster to come out and even look at my vehicle. The investigator never came out to speak to me. He went to the woman that hit my car for a statement. Her insurance company stated I was at fault for the accident and my insurance rates were raised for 5 years. My credit union was not notified of the lapse of insurance.

I have been battling USAA because of the adjuster taking 4 months to come out, not notifying my credit union and their customer service believing this other party. I did not receive any payment, nor did I want any since they said I had no coverage because of policy lapse. I had faith in my insurance company when I reinstated the policy. I did not file any paperwork because the insurance company scared me into thinking I was being fraudulent. I have been going to court for 4 years in regards to this. I am looking for other consumers that have had this type of incident with this company USAA. I am getting ready to file a class action lawsuit against them I will also be looking for an insurance attorney that will be involved in this suit. I am also going to the media. I am sick and tired of USAA pushing people around. They have the deep pockets to do it. But, at whose expense? I never received a penny for either incident and I never filed anything in writing. However because I called in the first incident with a lapse in policy they denied the second incident. I feel like a gave my money to an indecent manipulative auto monster. They go after people that receive nothing for insurance fraud. This has cost my family by now over $20,000 in lawyers fees both criminal and insurance lawyers. I am fed up.

On Feb. 3rd, I was involved in an accident with a USAA customer. I was coming up to an intersection on the through highway that I was on that had flashing yellow signals, and was forced to slam on my brakes to avoid the other driver who had started to cross the intersection even though he had a flashing red signal and had more responsibility to observe and yield to oncoming traffic. I did what I could to avoid hitting him and ended up with $2500 worth of damages to my front driver side and no damage to his truck. I wanted to call the police, but he stated that he had been drinking and since he was in the air force; it wouldn't look good for him to get a dui. He swore he would pay for the damages, but when he found out the estimate, we decided that he would go through his insurance. Each time I spoke to him, he said that they told him that they would pay and that all they were going to do was take pictures of the cars and take our statements. They took pics of his truck, but no one came to take pics of my car. As for the statements, mine was more of a fishing expedition because the second she heard that I had a flashing yellow signal, the claims lady drilled me on what I did to avoid the accident. If she asked him why he proceeded to cross the intersection even though if he would have looked to his right, he would have seen my car approaching...that was a factor that didn't matter to her. That question would clearly show that either he wasn't paying attention to traffic or he has no regard for human life or the safety of others because his reckless action put someone else at risk of getting hurt or killed.

It was clear that everything else I told her wasn't relevant. I was told by her that the investigation would take 3-5 days and that I should just go and get my car fixed. (I gave my statement on a Fri. late afternoon, and the other driver gave his the following Monday.) The other driver told me that he told the truth in his statement and still admits that the accident was his fault, but I received a letter denying the claim stating that I failed to yield-- a letter that was dated the same day that the other driver gave his statement. That wasn't even a day's worth of investigating. It is clear that their claims process is completely unfair and biased and motivated by greed. In a court of law, a judge usually accepts a defendant's guilty plea, but USAA ignores whatever information that should result in a payment. When I told him that USAA denied my claim, he said that he would call them to see what happened because as far as he knew, they were going to pay. He said he left a message, but they haven't called him back yet.

My car has to be totaled out because the damage exceeds what the car is worth. I can still drive it, but I am missing a front headlight because it was smashed from the impact.

As a long-time licensed claims adjuster for USAA, I want to help anyone with a legitimate complaint against USAA or any other insurance company. You will get much faster results if you will simply contact the insurance commissioner or department of insurance in your state. Please believe me. This is much more effective than hiring a lawyer. Insurance companies hate to get turned in to the insurance commissioner. It costs several $100 to handle each complaint, it is free, most states have toll-free phone numbers, and in some states I believe you can file your complaint over the phone. Sometimes simply the threat of contacting the insurance commissioner or department of insurance is enough to get your problem solved. It also gives the state an accurate picture of how insurance companies are performing. I promise you that if your complaint is legitimate, you will get satisfaction. You can also help weed out lousy adjusters and rude employees.

I can tell you from experience that at USAA, top priority is given to complaints that have been turned in to the commissioner or department of insurance. Your file goes to the top of the stack on a manager's desk, gets top priority, and there are severe consequences against the company if the company does not respond by the end of a very strict deadline set by the department of insurance in your state. I sincerely hope this information helps everyone. But you must act promptly, and know the statute of limitations for your state.

I have had auto insurance with USAA since 1975. My car was stolen. They told me I had to wait 15 days. I rented a car. After 15 days, they established that it was a total loss. At first, their offer for my car was at least $2,000 less then what the car goes for in the same condition in my town. I bargained with them, sending them local ads, and they went up $500.

Once the offer is made, they restrict your rental car to a few more days, despite the fact that I still have not received payment. I have spent $500 out of pocket expenses on a rental car because they don't pay for it once they have made an offer. Then, the worst, was that they said they couldn't send me a check until my paperwork for power of attorney had been received by them. I had to wait for them to send it to me, first. They LIED and said they sent it Fedex on Dec. 14. Found out that they sent it regular mail on Dec. 17th, even though I called daily for updates. I sent them an overnight package with the documents they needed. I have a used car I purchased and can't pay title and tax until I receive their payment for my car. I just received notice that they paid off what was left on the loan, but alas, still no check for me in the mail. You can never reach anyone, only voice mails. Slowest payment ever. My car was stolen Nov. 19th. I am still waiting for payment.

We have been clients with USAA for over 20 years -- with very little if need of use of that coverage.. Thousands of dollars... Early 2006 our monthly payments were $350, then we put our son on the policy - granted I had an accident, my husband had an accident (first incident ever) and then our son had two accidents and a few tickets... First time driver and just a little challenge at being a perfect driver. I understand the increase of payment but they increased my monthly to $650. Now my youngest son is on the policy - though no tickets to his name - my cost has gone up another $200 a month. My annual premium is now above $1,000 a year.. What are they thinking. We have been good customers for years and now they are laughing all the way to the bank. Afraid to change but.... This is stupid and should be against the law.

I was involved in an accident on January the 19th. I was rear ended by a driver insured by USAA and pushed me into a car infront me. On the side of the road, both me and the other driver hit spoke with Amber from USAA on the phone. She set up the other drivers appointment at the body shop and told me she would give me a call back that afternoon with a place and time to take my car. I recieved no further call from her. When I got home I had neck pains and my head hurt and my vision was a little blurry. I called USAA to see what I needed to do as far as medical attention but all I got were voicemails. I proceeded to go the the hospital and was diagnosed with a mild concussion. On Monday the 22nd, I took the day off of work to take car of anything with the car. I called Amber and was told I was being transfered to another adjuster, Bill Newton, and that I needed to call the body shop and rental place and set up times for my car.

Bill Newton called me shortly after and told me he was sending paperwork for me to fill out and send back to him and he took some statements of what happend and the call was over. It was a week before I ever recieved his papers. I filled them out, sent them back and he confirmed they had been recieved on the 14th of February and gone to process. These forms were for my pain and suffering, wage loss from work and diminish vehicle value. As of today, the 27th, I have not heard a single word about any settlements yet. I called Bill yesterday morning around 11 a.m. and left a voice message along with a claim number, my cell phone and work number and reason for me calling yet he has not returned my phone call.

 This has happend several times, if I call he nevers answers and never returns my phone call same day or even next day. I have to call several times. He shows no care for my situation and when I originally brought up my concerns for the car being repaired to be safe after the extent of damage on the vehicle (repair bill was a little over $8,000) he told me that if I had any concerns on the safety to take it up with the body shop, it was not USAA's job to insure the safety standards of the vehicle. I feel my treatment is unfair, I do not understand why it is so hard to get any answers or return calls from them. I do not understand why the other two drivers in the accident (both the at fault and the other one hit) had their body shop appointments set up on the side of the road after the accident yet I had to wait till Monday to know anything and I had to call and set up my times for the car.

I surely hope USAA treats its customers better than it treats the ones who have been hit when their driver is the one at fault.

USAA offers a free Web Bill Pay service where you can make payments online, BUT what they don't tell you is that it's not their problem if a payment scheduled online doesn't reach the payee on time. Last November, we received a late fee notice from our mortgage company because our payment wasn't received on time. The mortgage company considers a payment late if it's not received by the 16th. Since we don't have a local USAA branch (they're only in TX), we had to overnight our paycheck on the 15th so we scheduled the payment for the 16th to ensure we had the funds in the account. The funds were there...but USAA didn't send them electronically, instead cutting a check and MAILING it so the mortgage company didn't receive the check until the 23rd.

We incurred a late fee of nearly $200 and this incident is a blemish on a very clean credit report...all because USAA didn't get the check there on time. If I had known this was how they'd operate, I would've just overnighted a check to the mortgage company myself...which is what we'll do from now. USAA supposedly offers a $50 refund for such incidents, but they're claiming our payment was scheduled during the grace period so it was technically already late and that is OUR fault. Nevermind that we wouldn't have had to pay $200 extra if they'd gotten the check there when they promised. Their customer service sucks.

A USAA customer hit my Audi Conv. in a parking lot and left. A witness wrote down her license plate and gave it to me later. She hit my parked car so hard that part of my grill in the front went over 100 feet. She left the scene and I had to have the police hunt her down. She was fined for a hit and run. I had to pay for a police report to get her information!

USAA is refusing to pay for new parts on a $58,000.00 Audi!! They want them to come from a junk yard. They were so gracious enough to give us a whole 20 dollars a day for a rental. In Northern VA where we bought our car from, that is enough to rent a motor bike! We have had a fight with the company since this woman hit and run. They are VERY rude, never return phone calls, and outright laugh when we mention our loss and want paid.

As self employeed individuals we have lost a lot because of this woman. Who knows when and if we see a check. I would never reccommend this insurance. Very rude and they will not pay up. We feel backed in a corner.

I was involved in a 3 car accident. I was hit from behind and pushed into a vehicle in front of me. When it first happened I called USAA, that is the insurance of the driver who hit me. The days after were horrible, it was impossible to get a hold of the agent who was assigned to my case, I called several times and left several messages and never got a call back. I made a recorded statement saying I was pushed into the vehicle in front of me, the person who hit me made a recorded statement admitting he pushed me into the vehicle in front of me, and I have a police report saying i was hit into the vehicle in front of me. But the person in front of me said to the insurance that I hit him before I was hit.

He is clearly lying, and suddenly he is trying to claim personal injury to himself and two passengers, (even though there is a mere scratch to his vehicle, not even any significant damage to prove a hard impact) but instead of investigating, they are using his statement as a way out of paying for the front end damage to my car. They wont give me a rental or anything. It has been 3 weeks and I am still without a car. now I have to file though my own insurance, and pay the deductible that I might not get back.

This whole situation has cause seriuos stress. Constantly calling them asking them questions such as how they can tell me the accident was my fault when I was in the middle. And after all this, I got absolutely nowhere. The flat out told me they were taking his word over mine, and I was told the police report was only a tool in the investigation, and it is not what they go by.

My car has 11, 000 worth of damage from an accident that I had no fault in, and I have to pay my deductible (which I may not get back) because USAA refuses to fix it based on one persons statement, ignoring the police report as well.

I was involved in a major accident in Alexandria, VA with uninsured motorist who was driving his friend's car. I also had a passenger. My car was not drivable, it was leaking fluids and the driver and passenger air bag was released on impact. I contacted my insurance company (USAA) and my car was towed to Collision Pro in Woodbridge, VA. I was told initially after the preliminary report that it would take about 2 weeks for the repairs of my car as long as the repairs was not over $10,500. When Collision Pro sent out the preliminary report, the cost was $8300. My car rental allowance last for 11 days. Thereafter I was given several dates when my car would be ready. AS OF DECEMBER 19, 2006, I still do not have my vehicle.

I contacted USAA since Collision Pro is contracted by them to find out why I keep getting the run around. Dealing with USAA is a nightmare...My husband and I tried contacting the adjuster several times but she would never return our phone calls. Finally, I made a complaint and got the supervisor of the adjuster on the phone. I asked the supervisor when deciding if a car should be totaled, does USAA factor in the time that owner will be without their vehicle plus damages to the vehicle seen and not seen. The supervisor called Collision Pro and called me back his exact words "you will have your car in 8 days."

I called Collision Pro the next day and spoke to the Manager, he said that he did not know when my car would be ready because he had taken the engine and the transmission out and they were cutting the fenders out. I asked the manager at Collision Pro did he check the engine and the transmission because it was not drivable after the accident. He told me that car had been disassembled and he want know about the engine until the car is assembled. I think you would check this during your preliminary assessment. The cost of repair as of December 12, 2006 is $9,300 to only the body, excluding the possible damages to the engine or transmission. I have complained to USAA about the handling of my car also not paying hospital bills for my passenger who was injured in the car accident and USAA have ignored the situation.

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.

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.

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.

A USAA driver rear-ended me, causing damages to my vehicle and sending me to physical therapy. My complaint isn't merely regarding the few dollars USAA isn't willing to pay, but the principle behind it.

The USAA representative I have been in contact with is lacking in listening and customer service skills in general. In my case, I was authorized a rental vehicle while my vehicle underwent repair. Based on my work schedule and family responsibilities, I dropped off my car and picked up the rental on a Friday. My USAA rep stated since he specifically told me that Friday drop offs were not authorized, they could not cover the rental charges accrued Friday, Saturday and Sunday. I told him that was never explained to me and that I took the first opportunity I had to drop off my car and get the rental. His response was "Well, maybe I didn't, but that's because you told me you would rent on Tuesday."

I should not be held accountable for taking my vehicle in for repair on the first opportunity I had.

My complaint is not solely concerning the $100 I will have to pay for these 3 days they refuse to authorize, but for the lack of service and understanding.

I had been insured with USAA for 26 years with numerous cars. Though those years only 3 minor accidents occured. I estimate that I paid over $25,000 in insurance costs and they paid out (estimate) $5,000 or $6,000.

On 12/11/02 I recieved a letter that said: "Your current USAA Automobile Policy will expire on 2/24/03 and will not be renewed." I paid all my bills on time. I had only minor claims though this 26 years.

When I called and asked why they were not renewing my policy they said my sons showed that they would soon have a major accident/claim. By the way, this never did happen.

So much for USAA's claims of "service, loyalty, honesty, intergrity".

My cars were damaged due to hurricane Ivan I filled for two claims for the damage. The adjuster feels that the damages were there before of it was vandalism. Now they are saying that its fraud. Absolutely ridiculous. I took the cars to two different body shops and they both told me that the damages were storm related. USAA is the worse ever!!!! Consumer beware. I have a witness and I have pictures proving that my claims are true. I serve Active duty in the military and my integrity comes before anything else.

While running a short errand to the grocery store one morning, our near-new car was doused in some form of fuel. Probably diesel. Within about 15 minutes, we came out of the store, saw the car, and called 911. After 90 mins, they released the car. We tried to wash the fuel off to avoid an insurance claim. Within 2 hours, we had the car taken to the USAA-approved body shop. Within 3 hours, they were able to assess the damage, estimate 1 month to repair. Total time from vandalism/accident to claim - 45 minutes. Total time to intial assessment, 3 hours.

USAA said they would have a decision to us by Wednesday. (48 hours.) But the representative didn't even arrive at the shop until Thursday afternoon. At 5 days, we have spent $100 of the $600 limit on our rental coverage. The car will take 1 month to repair, or may be totaled. USAA did not make a decision Wednesday. The second projection - Friday, is now not going to happen. They are saying (3rd change) that probably Tuesday, June 1, they'll make a decision.

Meanwhile, we're burning up our rental coverage on the smallest, cheapest rent-car available. If we have to replace the car, the Memorial Day sales begin Saturday, but we can't negotiate a deal until we get a decision on what USAA will do with the car. The body shop, one of the best in Washington DC (and the one selected by USAA) even said the process is taking way too long.

USAA's rates may be good, but they can't make a decision. They won't repair it, but they won't total it. They're just dragging their feet. It's taking 3 days between each step in this tedious process. We could be here for months at this rate. (If they have to revise the estimate after they get started - it will take even longer.)

An individual who is insured by USAA backed into my 2001 VW Golf, taking off the driver's side mirror and creasing the door and fender. This happened on Sunday, 02/01/04. He contacted USAA about the accident 02/02/04 and I took my car to the nearest VW dealer to get an estimate for the repairs. I had to call USAA 6 times before I was able to speak to anyone. I was told that I live in a "remote" area so USAA would have to contract an adjuster (Warren, VT is rural, for sure, but hardly remote).

It took 2 weeks and many more phone calls before an adjuster finally came to look at my car. Since I was not able to leave work, I told the adjuster where my car would be. She left a business card on my windshield but never contacted me otherwise. The estimate that I got from the VW dealer ($1082.66) was faxed to USAA. After another week of unreturned phone calls I was finally told that a check for the amount of the estimate would be sent out. I never heard anything about USAA's appraisal, so I expected the check for $1082.66 and went ahead and made an appointment at the body shop.

On 02/26/04 , 3 1/2 weeks after the fact, a check arrived for $398.91. I called USAA to ask where the rest of the payment was and received a rude message the next day telling me that that's what their adjuster appraised the damage at and that it is now my responsibility to prove that the repairs will cost more than $398.91 If I do not, USAA will not pay. I called them again to question if they had not received the VW dealer's estimate and they acknowledged that they had. I also asked why it has, so far, taken nearly a month to resolve a fairly simple claim.

The person I was speaking with was extremely rude, giving sarcastic answers and raising his voice. He told me that I had been told by the appraiser what the amount of the damages would be and that the body shop was also given the same information. I was not contacted at any time with any information about the appraisal. I spoke with the manager of the body shop and he informed me that he has not been contacted by USAA about this claim either.

My car was stolden almost a year ago. I was on my way home from work and my car started overheating, so I pulled into the Wild Oats Supermarket. I had been working all night and was very tired. I'm a single mom. I basically live paycheck to paycheck just trying to make ends meet. I didn't have enought money to tow my car. I figured it's not like it's going anywhere. It's overheating. I went home and left it there 2 days till I got paid. Someone stole it. I couldn't believe it.

At first the police thought a towing company might have towed it to impound because i just left it there. We called the towing company, but they said no, So I reported it stolen. Aprox. 2 days later it was found next to a canal all beat up. I was thanking god it wasn't in the canal. It is my only mode of transportation. The insurance company gave me a hard time from day one. I could never get ahold of the women who was sapposedly handling my claim. Finally I spoke to her supervisor. I guess it was about a month or so later after I called and called I finally get a call from Tammy in the special investigation unit. Apparently they don't believe my story.

I answered all the questions she asked. About 6 months after that the insurance company wants to arrange a meeting with me at my house. I agreed what else could I do. When he arrived he threatened me with a 3rd degree felony and 30 years in jail. He said he wanted me to tell him the truth now. I told him I've been telling the truth. I had nothing to do with the theft of my car. He left a few more months went by. Now I get a letter from there attorney. They want me to make a statment under oath. I have no money for lawyers, and I am most certainly no match for their high powered attorneys. I'm just a single mom trying to raise my two kids. I was a victim of a crime. I never thought I'd be accused of commiting it.

I have been paying on time, over a 27 year time period, thousands of dollars to USAA insurance company. My car last evening was, for the first time, broken in to. Not only am I being robbed by the perpetrator who broke in to the car, but the insurance company is refusing to reimburse me for the cars stolen contents, stating that the contents should be covered by my homeowner's insurance. I don't have homeowner's or renter's insurance. If someone broke in to my house and robbed me, should my auto insurance cover these contents. This insurance company is screwing me.