USAA Auto Insurance

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Mitchell of Fordham, UK (10/28/08)
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.

Johnna of Jyderup, CA October 24, 2008

Johnna of Jyderup CA (10/24/08)
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.

Philip of Claremont, NH September 18, 2008

Philip of Claremont NH (09/18/08)
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.

Jeni of Herrin, IL September 8, 2008

Jeni of Herrin IL (09/08/08)
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.

Jennifer of Castorland, NY August 18, 2008

Jennifer of Castorland NY (08/18/08)
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.

Kevin of Port Orchard, WA June 24, 2008

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