
USAA Car Insurance Reviews
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About USAA Car Insurance
USAA is a leading provider of financial services to the U.S. military and their families. The company offers a wide range of products and services, including banking, insurance, investments and retirement planning. USAA is committed to providing its members with the best possible financial experience, as is shown by its low fees and competitive interest rates.
- Several discounts
- Charitable company
- Competitive rates
- Only available to military members
- Limited local branches
USAA Car Insurance Reviews
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Reviewed April 26, 2016
My husband being a retired Army Veteran who decided to get USAA for our car insurance as well as home. No tickets, accidents, etc. between us. Thought this company was great. Until I had an accident and wrecked my 2014 SUV, no fault of my own. It was taken to a USAA collision center. Where we were told by their representative that it could be fixed. He found all my parts. BUT my SUV was deemed a total loss one day after my accident.
We were notified via email days later. We were not given the option to fix the vehicle. We spoke to the total loss claims dept. one time in 2 weeks. As he blamed everything going on in Texas. Please don't get me wrong, I understand there are things going on all over the place. But this was just simply horrible customer service. My SUV will get more at salvage than anything, I know this for a fact, because I was told by the rep. I even know where it's going. We got a low ball offer on a SUV in great condition with every option available. This company doesn't care about their customer's. If you're with them, don't walk away, RUN!
Reviewed April 21, 2016
I am a retired US Army vet. I had 3 vehicles insured through USAA. For the last couple of years I seen my premium increasing. At the beginning of April I was due a renewal. I took a look at the bill for the renewal and was in shock. USAA wanted $712 to renew, and $450 a month for premiums. I spent 15 days in communication with USAA about the excessively high premiums, trying to get them lowered. I obtained quotes from The General, Progressive, & Geico for the exact same coverage. All were right around $260 a month, without the high first-time charge. I explained to the customer service personnel with USAA that these were the pricing I was getting for the same insurance and that it was absurd that USAA would charge its members almost double what other companies are charging.
One rep tried everything to get a lower cost; he got it down to $425, and to stay loyal, I was going to pay. However, the day came to pay, (2 days later) and the cost on that quote had gone up over $480. Upon hanging up the phone with that rep, I called Geico and purchased my coverage through them. I was able to get more coverage through Geico than I could with USAA as I had whittled my policy down at USAA trying to be able to afford it.
Overall I am saving over $2,500 a year by switching to Geico, I know it sounds cliche, but it's the truth. I have sent emails, Facebook posts, & private messages to USAA about the unfair charges. All I have been getting in response are witty comments as a response. I also have my homeowners insurance through USAA. I have already obtained another quote on that from Geico (Liberty Mutual). I will soon be making that change as well as I have also whittled down that policy trying to be able to afford it.
My deductible with USAA is $2650, with Geico it will be $1000. I will get more coverage for more than $320 less than USAA. USAA claims that they are here for us, the members. That they know what "we" as servicemen & women go through. I find that this is very, very dishonest. I do not mind paying for a service that is provided. I will not stand to be lied to, misled by false so-called & self-pronounced USAA leaders. I believe that we have served our country well & have worked hard to scrape by. We should not have to endure the business vultures of USAA eating away at what little we have. Leaders, lead from the front USAA. They don't hide behind corners waiting for a chance to pounce on an un-expecting soldier. As it is right now, I wouldn't recommend USAA to anyone. For all service members that read this, please check out other companies quotes, you will be grateful you did.
Reviewed April 15, 2016
After a hailstorm hit San Antonio on 4/12, I called USAA to file claims for both my vehicles. I have 6 broken windows between 2 cars. The family van I use to transport my twin 2 year olds cannot be driven with 4 broken windows. I was informed that they are forming a "Catastrophe" team to deal with all the claims and damage and that they would contact me. On Wednesday, I was ok with that answer. But several days later, I realize this is code for, creating middlemen to make things take longer. If it's a "catastrophe" (their words, not mine) shouldn't they work harder to assist their clients faster, more efficiently and more effectively? Instead, they are putting people off.
Several days later, I haven't received a call. After pressing the rep today just to determine the next step, the rep for USAA reluctantly said I "might get a call mid next week." If it takes 1 week just to get a phone call, how long until someone can come out for a look? For repairs to start? Before I am able to use my vehicles? I pay a HIGH premium for comprehensive auto insurance with USAA and found out today that doesn't include better, faster, or kinder service. I heard, "Well, the repair shops are full," and "If you have other vehicles" as excusing USAA for not fulfilling their obligation to provide me with the best possible service in a timely fashion.
The costs of repairs will be covered (if and when they get around to it), but NOT the inconveniences & costs I incur caused by their internal process delays. Ironically, the 2 vehicles in my family w/ liability insurance are fixed. The 2 with USAA comprehensive insurance are sitting unusable in my driveway. You'd think it'd be the other way around. So, I am paying more to USAA to get less. The biggest "catastrophe" is the way USAA is handling things and leaving loyal customers & families without assistance & services paid for in a time of need.
Reviewed April 15, 2016
Horrible company. When I set up my automatic car insurance payment they entered my card number wrong so we missed a payment. When I called to fix the problem they told me that I needed to pay by the 12th of the month. I asked if they could extend that until the 15th since that is the day that I get paid and they would not work with me so my policy got cancelled and to continue with them I would have to pay almost $650.
Reviewed April 12, 2016
I really have to say that USAA was a shining star to me with the claim that I filed with them about my car. It was less than a week that the Claims Department came up with a dollar amount to be paid to me for the total loss of my 2010 Honda Accord. I received excellent service and up to the minute updates about my car. It was within two weeks that I received the claims payout that was deposited in my bank account. I can thank TJ... can't spell her last name correctly and Roger ** who were professional, very pleasant to deal with, and wrapped things up very quickly for me about completing my claim. Thank you both very much.
Reviewed April 8, 2016
I am sad to say that I am the 900th complaint on Consumer Affairs with regards to USAA. My daughter was rear-ended by a USAA insured driver one month ago. My daughter suffered major whiplash and had to be seen in the emergency room. Still a month later she has recurring headaches and neck pain. USAA claimed responsibility for the accident and told us to take the car into their recommended auto body shop for an estimate. The car had damage to the front and back bumper but was still driveable. Later USAA called and said that the car was a total loss and that they needed to take possession of the car and title. They said they would give us $6100 (well below our car's blue book value). They also told us if we didn't accept the offer, our car would be listed as a salvage vehicle and lose its value. We agreed to let them take the car, expecting to have the check shortly after.
We got a rental car from Enterprise while we waited for payment to buy another car. However, it took them almost two weeks to send us payment. When we went to return the car, Enterprise charged us $212 of unpaid rental car. We were told that USAA would only pay for 3 days of rental car. We also have not been reimbursed for medical expenses. We have made 12 phone calls to Ronica **, the insurance adjuster and she still has not returned a single phone call. Their (NON) customer service operators are no help as well. They keep saying the same thing, "I'll leave her a message and have her call you back." Which she never does. Today when we called them on the phone we asked for a supervisor and we were told that it wouldn't help.
Then after we got really fired up, the agent Jacklyn said she would leave a message for somebody to call us back and I got the supervisor's name. She would not give me an email address for the supervisor so I did some research and found it on my own and sent her an email. First I got her name from the agent then I used her first initial with her last name and added @ USAA and then.com. Her name is Tammy ** and her email address is **. I don't know if it will help but I'm not backing down or giving up. It's just not right and somebody needs to put a stop to their dishonesty!!!
Reviewed April 7, 2016
USAA member sideswiped my car and did damage the whole length of my car. I reported it to USAA and they said they need to contact the member who is insured so happens that the daughter who just got license was driving and sideswiped my car. Summary: USAA can't get in contact with the member and will not proceed with the process. I asked them what would happen if their member does not respond because they don't want to mark the 16 years old daughter. They said they would send letters and continue to contact them. Looks like I would eventually have to sue them to get my car fixed. They do not care and do not want to proceed until so if you get hit by another member then you are going to be fighting trying to get your situation resolved. I have never this problem with any other insurance company. GEICO and others take care of the situation immediately. This company is terrible and should not even be in business.
Reviewed April 4, 2016
On December 29, 2015 my 2011 BMW 535i had a malfunction and stopped in the middle of the road. I called a tow truck out to have my car towed to Rick Hendrick BMW in Charleston, SC. I paid for the towing expense, of course, because I thought I would be reimbursed. (I assumed this was a warranty issue in which my warranty covers rental and towing.) I have USAA auto insurance and their Extended Vehicle Protection Plan so I should be covered for just about anything. After diagnosing my car the service center said that it was a problem with my gas. (The tank was full so I didn't doubt it.) They drained my tank and found some foreign matter in the sample of gas. They immediately told me that it was an insurance problem in which it was pretty obvious that it was and they proceeded to fix the car. My adjuster had to come out to get a sample of the gas to have it tested.
The tests came back negative for any contaminants. How did the test come back negative with obvious foreign substance in the sample? We have no clue. The service center said what the problem was but the adjustor disagreed which I don't think is fair. This is a certified BMW shop. I'm pretty sure they know their cars inside and out. While talking with at least 10 people from USAA insurance they said that my claim had been denied because it was no doubt a warranty problem and kept sending me to the warranty dept. They kept saying the parts failed by themselves so that's why it's a warranty problem. (Keep in mind every part that the gas touched had malfunctioned. Warranty said the fact that every single part, which was about 5 different parts, the gas touched had failed obviously made this an insurance claim. On top of the fact that the service center found the exact problem.)
For about a month and a half I was going back and forth with insurance and warranty trying to figure out who was going to pay for this. I had spent over $500 on a rental for three weeks because insurance told me that my warranty, considering rental is covered with warranty. My superiors wanted to get involved because they know that I was being treated unfairly and it was also affecting me getting to work. All fingers were pointing at insurance but they were throwing their hands up not wanting to pay for anything! In the middle of February I finally got my car back. I had to pay $2200 out of pocket because the warranty and insurance I pay monthly for did not want to cover this problem. I have heard many stories of how USAA drops the ball with their customers but I never thought it would happen to me.
Reviewed April 3, 2016
I became a USAA member as a very young adult because my parents used them. I have been with them for 18 years and I can say they are not what they used to be. They used to be really focused on providing good customer service and offering the best services. Now they seem to be more sales driven. Each time I call, there is a service that they seem to suggest. Without having an accident, thankfully, there has not been a decrease in my premium. With trying to use the car buying service, the lots I visited either pressured me to buy a car or would not let me take the car to the mechanics to have it checked. The selling points of the service is not to experience pressure and to be able to check out the vehicle. With calling them to try and work this out, I get sympathy but no compromise or solutions. I think it may be time to move on.
Reviewed April 1, 2016
I would strongly dissuade anyone from applying for itemized coverage from USAA. I paid premiums for many years only to have USAA deny any coverage whatsoever for a high-end DSLR camera, despite gladly taking my money each month to insure a much older camera that it knew I no longer used. It was very convenient for them to dodge my claim based on an inconsistent, imagined technicality. Then they notify me that I could open a fourth type of coverage to possibly (?) cover this sort of equipment in the future. Rather, I'd advise all to avoid trusting promises of fair coverage from this San Antonio-based firm. I'll be happily moving my three worthless insurance plans to a less greedy company after this unfortunate episode.
Reviewed March 30, 2016
I have been with (USAA) for 14 years. I got in a car accident back in 2012. It is now 2016 and I noticed a paint bubbling on the hood of my vehicle. Over time the paint had cracked. I also have spots from rocks that have kicked up due to driving on highway. The USAA Claims wanted to sand down that one spot where the paint has bubbled and paint over the whole hood instead of sanding the whole hood and painting it the proper way, because of the rock sport. (USAA banking is awesome) But the Auto Claims is horrible, their services and reps are very disrespectful and they also provide half fast jobs when provided lifetime warranty on the vehicle.
Reviewed March 29, 2016
My son is an active duty military member. He took the USAA Auto Insurance after hearing ads on television on how they protect their members. My son swerved to avoid being broadsided by a driver who made an unsafe lane change. My son's vehicle was forced over a curb causing frame damage to the truck. USAA is refusing to pay to have the damage repaired. This company is the lowest of the low. Their ads are misleading, they don't tell you they won't honor your claims. They certainly are no friend of the military. Will be taking all my business, car, home and banking elsewhere.
Reviewed March 25, 2016
USAA's insured was negligent which caused my car to be in the shop for 29 days. They accepted full responsibility and told me they would cover all my expenses. However they only paid for 14 days of my car rental, with an excuse that the repairs took longer than they should have. Like I can control how long the repair shop needs to fix my car. After waiting 4 months they sent a check for approx 1/2 of the car rental, without any explanation. Only when my agent questioned their payment was I told about the reason for the short payment. I'm out over $400.00 and they know it's not worth the trouble for me to fight it. It stinks of CHEAP for not accepting full responsibility for their negligent insured. I'll never use them and will never recommend them to friends or family. In fact, I'll never miss an opportunity to tell anybody that will listen what a ** company USAA is.
Reviewed March 25, 2016
I've been with USAA 25 years (since I was a senior at the academy) and it is the only auto insurance company of have used. Back in 1999 I had a car stolen, and was promptly reimbursed for the fair market value of my stolen vehicle by USAA... Maybe one or two phonecalls, and less than 7-days certified check came FedEx. Fast forward to 2016 my family has had no tickets or accidents EVER. My son totaled a car that we bought using information provided on USAAs buying service website... The shocking part is that USAA's insurance arm values the vehicle at 30% less than the USAA buying service advised us was a great purchase price. USAA uses CCC value scope which is a historically troubled company for low-balling cars' values for the insurance company industry. Google "USAA CCC Class action" and you will learn all you need to know to walk (no run) away from this company that has drifted away from its heritage of serving veterans.
Reviewed March 21, 2016
Well check this out OKAY!? Guess who has be driving without insurance for TWO WHOLE MONTHS? Yeah, me. Why you ask? Well USAA never had my payments on file for 2 months even though I have been paying on time! Do you understand that I could have been FINED for this if I had to go through check points, which I did. Luckily the police only wanted to see my DL!!! You people at USAA need to start double checking your work. You're lucky someone from Heritage Trust Bank was there to help me figure it all out and get things right. So as for my experience with USAA today, it sucked!!! I really hope this doesn't happen EVER again!
Reviewed March 21, 2016
I don't know where to begin. I have not one positive comment on this company. They continually don't recognize my login information where I have to re-set it, they continually send me incorrect statements, they periodically don't recognize my account number. I had one car accident in 40 years and they have increased my insurance to over $100 a month. I wish I had the time to itemize all of the problems I have had with USAA. I am bailing! USAA is an insult to the military community.
Reviewed March 19, 2016
Think twice before believing the advertisements that USAA will be there for those who served. They have done nothing but delay, stall and avoid taking care of our claim. My son was in an unfortunate accident and my car was totaled. From the initial interaction after my car was towed, the service and response was slow and unresponsive. I had to call the initial adjuster just to get the estimate started over a week after my car was towed. We waited yet another two weeks before anything was being done. We were told the car would be fixed with about 13,000 in damages and would be fixed by the end of the month (about 2.5 wks to complete the work).
We were then informed two weeks later by a voicemail that my car was deemed a total loss. And because they left the voicemail, notifying me of the total loss our rental car coverage would be ended. The offer I was given by the total loss department was significantly lower than the value of my vehicle. I made multiple phone calls to the new adjuster I was assigned with responses taking several days to more than a week.
I complained to the supervisor and was told that USAA uses a variety of methods to communicate with customers. I was further informed that if I didn't like the value of my vehicle I could hire my own valuation company to do a separate estimate. They had several of the premium package missing from the estimate on my car I had to send multiple emails and phone calls outlining my cars detail. Meanwhile almost 2 months after my car was totaled the issue is not resolved and I have no rental car coverage and no vehicle to drive. I truly believe they are using stalling tactics to get me to accept their offer. The injury adjuster assigned to my son's medical care has never even called. Certainly not meeting the promise to be there for those who served when needed.
Reviewed March 17, 2016
Man oh man do I wish I would have read the reviews for this company before switching over! Hindsight is always 20/20. My husband recently totaled my car and USAA lost the title I sent them! They said IU sent an empty envelope and refuse to pay my claim until they get the title which they are trying to make ME pay the DMV fees to get another one. I have NEVER had such a nightmarish experience when dealing with any accident in the past. Rest assured I will be bailing out as soon as this bs is over!!! Check out companies before you buy - a lower rate does not mean good service.
Reviewed March 16, 2016
In August 2015, I was driving on I-5, CA's "speed bump" highway, when I drove over a 6-inch drop in the pavement that had been cut out by DOT. There was no warning, no signs, no way to avoid the drop. The "bump" caused my drive shaft to explode through my front transfer case, disabling my rig. I called USAA to inquire if my Comprehensive might cover some of the repairs. I was told that was a collision & it was entirely my fault. OK, so I said forget it, I would not file a claim. The woman I talked to filed a claim in my name, without telling me & against my wishes, & I did not find out for 6 months when my premium doubled.
Long story short, USAA filed a negligent, at-fault one-car collision claim against me on LexisNexis. I only found this out when I tried to change insurance companies & was told with my record, no one would insure me. 49 yrs. of a clean driving record, 30+ yrs. with USAA, & they destroyed my credibility & driving record in one fell swoop! I have read other reviews and agree 100%, USAA did not used to be so disloyal to its customers, but they have changed. They will do whatever they can to discredit you so they do not have to pay a claim. Horrible company, but stuck with them until the CA Insurance Commission completes its investigation.
Reviewed March 3, 2016
In December my son and I were involved in a car accident and were both injured. Around a month later we submitted bills which exceeded our minimum limits of coverage on PIP. For almost two months since we sent in the bills, USAA had done nothing but delay, delay and delay. They have reimbursed nothing. Numerous faxes giving them the information they requested means nothing. This company did not use to be this way. It is a real shame.
Reviewed Feb. 29, 2016
On January 9th, 2016, I was driving on White Plains Road and approaching Pelham Parkway in the Bronx and getting ready to make a legal right turn. When the light turned green I drove straight and stopped due to a crosswalk on my right side. When I stopped, I got rear ended by the car behind me who caused extensive damage to my bumper. USAA is refusing to cover the damages made to my vehicle by their policyholder. They stated that the reason behind their decision is because both parties involved have different statements and they are siding with their policyholder's story... How convenient for them to use this as an excuse to NOT take responsibility. This is unfair and ILLEGAL for an insurance company not to cover the damages and fulfill their responsibly.
Reviewed Feb. 21, 2016
I have been with USAA for 15 plus years. My daughter had a fender bender with another USAA member last year. The police ruled it the other driver's fault. My adjuster also agreed and told me so on several occasions. Well without explanation, USAA told us it is 50/50. When I asked what happened, my adjuster said that the other party's adjuster went to my adjusters boss and ask that it be dropped. He was then called in and pressured to change his position. I don't think this is the right way to handle a claim. What happened to fair representation. I have asked for a detailed explanation of their finding and have been ignored. This not the USAA I thought I joined.
Reviewed Feb. 20, 2016
My son was hit by a USAA customer on a snowy night. He just happened to be driving my husband's prized 1989 Oldsmobile Cutlass Calais with 2.3 L Quad 4 HO engine. There were only 200 of these vehicles manufactured. Unfortunately for us, the frame was bent. USAA labeled the car a total loss. The settlement offer for us to keep the car was $1647. HOWEVER, they compared our car to 2.5 L cars, which are like comparing apples to oranges. The HO Quad 4 LGO engines were designated by an A in the vin #'s. I also provided the original window sticker when the car was first sold. We feel $4000, our purchase price was a fair counteroffer.
The employees that we dealt with in the Auto Security & Recovery--Total Loss department were rude and condescending. The "supervisor" even hung up on my husband after yelling at him. It is bad enough that we have lost a valuable car, but we've also lost a car that had become a hobby. The entire A/C system, brakes and suspension were replaced by my husband and sons. There's no dollar value on family time. It would seem that an insurance company would have customer service representatives that had a basic understanding of automobiles. It would also seem common sense to have customer service representatives that were respectful and courteous. USAA fails on all accounts.
Reviewed Feb. 20, 2016
We had Farmers Insurance our whole driving life. Our local agent retired so we checked around. My husband was former army, so we tried USAA. After about a year a young woman flipped her car and slid into us, spinning our car around and doing about 10,000 in damage. We called our insurance and they took the info. After getting hold of her insurance whom is a fly by night kind of place and didn't want to pay, USAA contacted us and said they couldn't pay either, since somehow I didn't have insurance that one day! Had it the day before, had it the day after. But not that day?! That makes no sense and they couldn't explain it either. It fell 2 weeks after my monthly payment was made. Finally her insurance actually admitted to fault and as soon as possible we left USAA. They didn't understand why. What?!? Went to Texas Farm Bureau. They are the best ever!
Reviewed Feb. 19, 2016
On January 22 and 23, 2016 Fauquier County had a major snowstorm. On Thursday evening (January 28, 2016) my son Kevin was driving the Ford F-350 up Turner Mountain Road to get home with my daughter-in-law Allison. There was still snow on the road coming up to our house. When he made the right turn coming up the road, the passenger side of the truck slid to the side of the road, getting stuck in the snow, but the driver side tires were still on the road. When the truck slid, the back of the truck slid in front of a huge snow pile that was created by the person that plowed our neighbor's driveway. USAA Roadside Service was called as we have tow service and they sent Super Transport LLC to pull the truck back on the road.
The following was damaged when the truck slid: (passenger front headlight was broken, passenger front fender had a few scratches, small dent in hood, driver window cracked but did not shatter from Kevin's head hitting the window and the front windshield cracked but did not shatter by an object hitting the window that was hanging on the inside mirror). The truck was fixable and would only have cost $1000-$2000 to fix. When the tow driver arrived, they were ask to pull into our neighbor's driveway, hook a winch to the front of the truck that would have allowed for the truck to be pulled back completely on the road and then the truck could have backed down the road since the truck was still in perfect drivable condition. The tow drivers refused to do this. Instead they lifted the back of the truck with a winch attached to the tow bed and attempted to drag the truck over the snow pile. The snow pile was higher than the truck.
When they were dragging the truck over the snow pile the truck slid into a deep ravine and went into the woods hitting the trees. The tow truck then dragged the truck through the trees causing major damage. They took the bark off three trees and totaled the truck. I also add, the tow guys showed up in tennis shoes and sweat pants, not attire for towing nor the weather conditions at the time and complained about getting dirty.
Following is the damage from the tow company: hole knocked in front grill, passenger front fender completely destroyed, both passenger windows broken out, passenger mirror broken off and still sitting in a tree along with other pieces of the truck laying on the ground amongst the trees, both passenger doors destroyed and will no longer close properly, entire passenger side of truck scratched up and lots of major dents, back passenger side of truck bed destroyed, entire back bumper was destroyed, huge dent put in truck on driver side at back door, new exhaust tip now wedged underneath the truck, tailgate is messed up, the truck bed is out of alignment and the hood. We were told the truck was towed to a secure location in Manassas, VA Thursday night but after what happened on Friday, we are not certain of this.
On Friday the truck was to be towed to another secure location in Fredericksburg, VA. We are not sure who towed the truck on Friday but I do believe it may have been another tow company, but it never arrived in Fredericksburg. Instead it was towed to an unsecure location in The Plains, VA where it sat until Monday at noon with all the windows broken out and in inclement weather. No one at USAA knew where the truck was until Kevin's friend called us on Sunday afternoon and wanted to know why his truck was sitting in The Plains. It was finally towed to Fredericksburg, VA on Monday afternoon. While you can expect minor damage done when a vehicle is being towed, you in no way expect your vehicle to be totaled by the tow company. The tow driver is telling us they are not responsible for any damage they did to the vehicle.
When I spoke with the tow driver he let me know when they arrived that Kevin was the only one with the truck. While that is true, there were five people that saw the truck and the initial damage before the tow truck arrived. Allison was in the truck with Kevin and once we knew the tow truck was close she walked up the road to our house. Kevin also had three friends that were in the area and once they learned what had happened they drove out and stayed with Kevin for a short time. Now USAA through CCC is low balling the value of the truck. The truck was valued as an XL and it is an XLT. And now USAA is telling us the truck would have been totaled from the initial sliding off the road and was not totaled by the Super Transport LLC. I have to keep calling USAA, they do not call you back when they say they will. I have ask to speak with a supervisor, was transferred to his voicemail. Have heard nothing back from him.
We had the 20% of the value of the vehicle coverage so anything happened we would be covered. Interesting how USAA's value of the truck with the 20% comes out the exact value of what the truck should be. Also when we financed the truck through USAA in June 2015, the truck was valued at $12,500. We are now being told the financing department values a vehicle differently than the total loss department. The total loss department has valued the truck at $8200. There is no way the value can drop like that in 7 months. Needless to say we will be leaving USAA. My husband and his two brothers were in the service. My son is now deployed. This is not acceptable treatment to any of our veterans.
Reviewed Feb. 11, 2016
A little over 2 weeks ago I was hit by one of USAA's clients. Accidents happen I understand completely but USAA is horrible to deal with! The day after the accident my body shop had an estimate of the damage and sent it to USAA that morning but as luck would have it USAA didn't receive! In fact, if it wasn't for me calling everyday to see what was going on they would still be waiting on the estimate to be "sent" to them. So after 4 TIMES (I have proof) of my body shop sending the estimate to USAA, I called USAA and got their fax and email for my body. Send it that way. So the next week USAA sent their appraiser to see the damage to my truck (the accident totaled it) no big deal other than it took me AND my husband to get him (Jeffrey) or them to "upload" it to their system so that we could know what the settlement check would be!!!
Oh and yes, USAA did offer me a rental car BUT would not cover the insurance on it since I had liability insurance only until I threw a fit about it. And then when it came to pay the rental company for it the lady this afternoon got rude to me and began to "tell" me that they do not cover insurance even though last Tuesday someone in their office said that they would cover the insurance. She was extremely rude to me, to where I had to explain to her the difference between explaining something to someone and having a tone/attitude while doing it! So after being on hold for a few minutes (which happened more often than not) she came back on the phone and had to eat her words and now the company is paying the rental company directly! The bottom line DO NOT use USAA at all EVER! They might save you money at first but they are the worst company to do busy with!!! You have to stay on top of them to get anything accomplished!
Reviewed Feb. 11, 2016
I was told my van was totaled and was offered nothing near what my van is worth. I squeezed $70 more out of them after showing proof of new tires a month prior! What a joke. The vehicles compared to mine had nothing in common other than the year and make. My van had all the bells and whistles, they offered $2800. We ended up with taxes getting $2981. Nothing near the value of the vehicle! No rust, no other damage.
I was told by Rebecca ** the total loss claims person that once they received my title they would overnight my check... They got our title on Saturday, today is Thursday and I still don't have the check. They have my van, my title, and I have nothing. I was supposed to turn the rental in yesterday. I did not feel that they could leave me hanging like that. I have a special needs daughter and need to have a vehicle! I have called, my husband has called, I have emailed numerous times and get no response. This company is a total joke! I do not know what to do or who to contact to get what is rightfully ours!
Reviewed Feb. 11, 2016
I switched to USAA last year for auto and home. Unfortunately my son got into an accident on a Friday night. USAA was very responsive when I called on a Saturday morning. I asked to have an adjuster come out and confirm it was totaled. The adjuster was out within 2 business days. After confirming it was totaled, USAA gave the true value of the car. From the time I called on Saturday morning to receiving the value of the car on Thursday took 4 business days. I consider this excellent customer service. Every time I called, they returned my phone call right away. Overall, I am very pleased with the interaction and would highly recommend their services.
Reviewed Feb. 8, 2016
I'm a Marine veteran, and after getting the runaround with Farmer's Insurance having to pay out-of-pocket for a leak in the house that was in the slab (totally different situation, mind you, but same premise), I sought different insurance and was referred to USAA by several military and former military friends. Rates were decent - I had better rates at Farmer's, to be honest. I haven't had an accident since 1986. This one happened to be in a parking lot where I had to navigate through an obstacle course and I backed into a Mercedes. Not the best car to back into. My fault. I don't deny that.
The way it was explained to me was that I pay my $500 deductible, my premiums (might) go up, because clearly, I'm an awful driver, and USAA will handle the rest. Not so fast. They don't want to pay for my rental because my car was still "drivable." I should only get the rental while my car is undergoing repairs. Fine. I don't understand how the repair shop can actually give an estimate and order parts without actually having the vehicle, but whatever. Definitely not dealing with rocket scientists here. My agent barely spoke English. She had a bit of a street slang, ghetto attitude, with no respect for the person on the other end of the line. While not the worst experience I've had, they definitely don't make things easy for you.
You have to argue and argue before you get what you pay for with these people. So, those of you thinking that these guys will treat you right because you're a veteran, think again. They're using their credibility from years ago when they were a small private insurance firm. Now they are a multi-billion dollar conglomerate sucking the life out of its customers. By the way, I have NO idea how it's getting a higher than two star rating. I understand that most people who have something to say, don't have very good things to say. If I were treated properly, I probably wouldn't have posted anything.
Reviewed Feb. 7, 2016
I was involved in a minor collision in a parking lot where a man tried to pass my vehicle on my right side, which was a violation of California Vehicle Code 21755. I was preparing to turn right and park in a parking stall on my right, then this man suddenly whipped around my right side, squeezed between my car (on my right passenger side) and the rear bumpers of parked cars to my right, and of course as I began to turn my wheel to the right (into my intended stall) he hit me. According to my adjustor, because I did not use my blinker, and because the other driver had just barely enough space to squeeze in while he was trying to pass me on my right, I was deemed by USAA to be 75% majority at fault. I was shocked and floored by this. I literally asked my adjustor, "Do you use your blinker every time you make a basic turn into a parking stall?" He actually paused and said, "Well no". EXACTLY.
So even though this other driver violated California vehicle code ultimately causing this collision, and driving like a bonehead trying to speed around me in a parking lot, I'm at fault - by my OWN insurance company! This means that my perfect driving record is ruined and now USAA gets to raise my auto rates! Yes sir, instead of defending me against the other driver they argued against me in his favor!
At one point I told a manager that they were not supporting me. He said his job was to support the members. I said, "I am a member! The guy who hit me is not." Anyway, they can now "justify" raising my auto rates because I have an accident on my record, and collect more money from me in their behalf. But they won't, because I've been with USAA for 18 years, but I'm now taking all of my business elsewhere. I am that disgusted with how my claim was handled. Our banking and insurance accounts, all being closed. They will get no more money from my family, period.
Reviewed Feb. 6, 2016
I am in the midst of an auto claim at the present time. The details of my interactions with USAA are too numerous to report here but I can say that the opportunities to be disappointed by USAA Claim Adjusters equal my number of attempts to get clear answers and directions from them. Everyone is like Teflon at USAA. They take responsibility for nothing. Expect you to be their foot soldier in a business you know nothing about and then have the audacity to say they are cancelling your rental car though your vehicle repair is weeks from completion. I've escalated my case to some nondescript specialist in the Office of the CEO. Some shadowy figure named Dave left me a voice mail, again without any details regarding contact info, that someone would contact me in 2-3 days. It's been a week. No one has called.
This place is like mid to C-Suite level management at General Motors. Everything is designed to deflect responsibility away from the USAA person you are dealing with. You can't put your thumb on anyone to be responsible for anything. I'm starting a social media campaign that will continue until they assign someone who knows what they are doing to hold my hand through the completion of my claim and guarantee my car rental as well. It's been almost two months for an inconsequential rear-ender that caused greater mechanical damage. It's not my job to marshall my car through this process. It's theirs. But they want to put it all on your shoulders.
They have an adjuster who comes to look at your car. He's rude and intimidating and treated my service manager at the car dealership the same way. This, after he was a no-show to two appointments. Without ever a call or an "I'm sorry." Believe me, right now it's all about them. They don't care about you. This is a nightmare. I have migraines. It's 3AM here in California and I'm so upset I'm sitting up writing this. They've made me an insomniac and I'm getting sick. Look for me on YouTube for my rants. Search for USAA Worst Auto Insurance Experience Ever!
Reviewed Feb. 4, 2016
USAA will find its own members liable for accidents clearly caused by other parties, so the other parties do not sue USAA. It will leave points on the USAA subscriber's driving record when USAA does this. This has recently happened not only to our family but others we know who also have USAA coverage. We have had this insurance for 31 years and will be cancelling once we get something else in place. My husband's car was hit on the back end by an out of control driver and my husband was told he was 80% at fault. USAA cited a different state's vehicle code when speaking with me on the phone when I called to inquire about this decision.
Reviewed Feb. 2, 2016
I had a very large tree fall on my car about a month ago during the ice storms here in northern Oklahoma. After the tree crushed our car I called to make a claim. I asked the representative if I needed to hire someone to remove the tree from the car professionally in order to minimize damages as it was going to be quite a while until an adjuster could come out and evaluate the damages. The USAA representative said, "Sure go ahead and please be sure to submit and itemized and detailed list from the company and submit it to the claims department." I spent a couple thousand dollars having the tree removed to insure no further and unneeded damage was done to the car. The tree was huge so they had to have a small crane lift the tree. I turned in my receipts to USAA and was told that I will not be reimbursed anything, not one cent.
I had to turn that part in on my homeowners insurance. I asked if I could get a copy of the phone calls during the time I was making my claim and was instructed they only record 5% at best of any conversations. Just after asking for copies of my phone calls the manager offered me 200.00. I told him, "No thanks for the time being." Yes I should have read over my policy better but I was told by a claims officer to go ahead with the tree removal. If this ever happens again I'll go out and cut the tree off myself and let it do God knows what to the car. It's sad when you try to help out and be overly honest what happens to you. I lost 2000.00 to get my car smashed by a tree based on misinformation by USAA. I will be changing all of my policies and share my story with anyone ever considering USAA.
Reviewed Jan. 30, 2016
I am an 82 year old veteran. I inquired about auto insurance as I was looking for a cheaper rate. I currently have Progressive insurance. This company USAA quoted me twice the amount for myself and wife. Word to the wise shop around before you buy.
Reviewed Jan. 29, 2016
My grandma told me to call USAA to see if I could get insurance because my family has military members with accounts there. I called and everything went pretty pleasantly until it came time to ask about my spouse. I told her he wasn't living with me, he was incarcerated at the time. I told her I would be happy to exclude him if they would like, my current insurance had done that with no problems. For some reason she said they had to look up his MVR and try to add him anyway. UM WHY? Do people call and lie about embarrassing things to get car insurance? The woman returns to the phone after a little while we were almost done at that point. Suddenly I don't qualify. I ask why and get some runaround answers.
I ask to speak to a supervisor and another lady was put on the line. I asked her if was because of my husband, at first she said "no" and started with the excuses. At this point I'm pretty offended and get a little rude and demand why I'm really denied. She told me it was because my husband might escape, and steal my conversion van. WHAT? You mean he would escape a minimum security bootcamp, walk 80 miles to my home, because the best obvious choice for a high speed chase is my 1994 big old mom van? I immediately told her that was ridiculous. I decided I don't want insurance from crazy people. What is going on at USAA? I hope they aren't treating all military people's family this way.
Reviewed Jan. 28, 2016
My car rolled into parking blocking neighbor from getting out. She claimed my car hit hers causing damage. Totally doubt it and yet they paid her even though I fought them all the way about getting to the truth. This agent and others at the Tampa Office were only interested in settling this claim because this lady had a lawyer in the wings waiting. Said they didn't want the extra cost of hiring lawyers. They don't care about the facts or the truth. No integrity and total cowards. I would not recommend this company to anyone - they only in it for the money. Absolutely unforgivable and I am looking for new insurance.
Reviewed Jan. 28, 2016
Lady lives next my house backed into my car. She called USAA and said it's her fault. The worst company ever. They don't want to fix my car and they send it to USAA body shop, called Campus Body Salon, and they don't want fix my car. I don't recommend this company to anyone.
Reviewed Jan. 26, 2016
We have been good USAA customers for 25+ years, with very few claims, over the years. My husband was rear-ended outside of an Air Force base. He was the 2nd car in a 5 car accident and totally not at fault, sitting at a stop light. Every person involved was insured with USAA. USAA refused to pay my husband's medical expenses, gave us a hard time every step of the way. As a result, we had to sue our own insurance company. To date; my husband has permanent injuries that he was never able to get treatment for because not only did USAA not pay but, they alerted Tri-Care that it was caused by an auto accident and Tri-Care refused to pay as well! They are just nasty and they do not care about military families!
Reviewed Jan. 22, 2016
We had a serious accident. My husband and I were both injured in nearly identical ways. He was compensated but my medical bills were not even paid. Never recommend this company to anyone but the veteran since the driver doesn't seem to matter. I've been sending them thousands every year but they are not a good value and I have no faith in their fairness. I'll cancel ASAP.
Reviewed Jan. 22, 2016
After over 10 years with USAA, our vehicle was stolen and then recovered. USAA determined it was a total loss due to a crash when it was recovered after fleeing from the police. USAA refused to pay the actual value of the vehicle. They used a value based on the mileage of the vehicle after it was recovered, and refused to adjust the mileage to what it was at the time of the loss. Basically, USAA is refusing to pay the actual cash value of the vehicle, even though Florida law requires they pay "actual cost to purchase a comparable motor vehicle." This claim has been extremely disappointing. We always thought USAA was great, that is until we had to file this claim.
Reviewed Jan. 21, 2016
This company is the worst! They don't even deserve a "one star rating." I was sitting in traffic and a clueless, old man BACKED INTO MY CAR! He was insured by USAA so I filed a claim through them before going to my insurance company. Two weeks after I filed my claim, I never heard from my assigned adjuster, Sandra **, so I contacted the customer service department. The customer service rep told me that USAA had everything they needed on their end and went ahead and cut me a check. Welp, 2 days later I (finally) hear from my assigned adjuster, informing me that the check had been voided and to destroy it when it arrived to my house because USAA still needed a copy of my police report.
OK- no big deal, right? WRONG! I send them a copy and even though their policy holder admitted in writing that he rolled backwards, they STILL denied my claim. I don't know if "Sandy" was just a sloppy insurance adjuster, or if all of their adjusters take up for their dishonest policy holders, but this company is a piece of **! Good luck to any outsider that has to file with them. Save yourself some time and go ahead and contact your attorney. You can, of course, file through your insurance company, but your rates will go up EVEN THOUGH you weren't at fault. This is the sorriest company I have ever had to deal with. All they care about is keeping their money.
Reviewed Jan. 20, 2016
I have been with USAA Auto Insurance for 14yrs paying Premium after premium and always on time. I never made a claim. I unfortunately got into a vehicle accident which wasn't my fault. So the other insurance company is paying to fix my vehicle and USAA was to pay my medical. But instead, USAA sends a private investigator to question me for hours about my injuries as if I'm constantly getting into accidents, causing me more stress than the accident itself. USAA have no loyalty to their customers. It's all about how much they can take. But don't you ever try to make a claim.
Reviewed Jan. 18, 2016
After 20 years and no claims and we had a windshield claim, they denied factory glass!! We are leaving. Don't trust them!!
Reviewed Jan. 17, 2016
I was paying for full coverage for my BMW and unfortunately I had an accident. No other vehicles were involved and no injuries occurred. Not only did my rep ignore all my messages, it also took two months for anything to be done, which wasn't much at all. I bought full coverage for a reason. Well turns out I wasn't covered like I expected. They totaled my car and left me with over 8k to pay on my loan. So not only do I not have a vehicle, but I owe enough on that totaled vehicle that I can't even afford to buy another vehicle. This company is a sham. I aim to spread the word.
Reviewed Jan. 17, 2016
My daughter had a wreck due to a missing stop sign. There was no citation issued cause the stop sign was missing. USAA claimed us as liable cause of where the other auto was hit. I thought USAA was supposed to work for the insured. The officer had stated since it was a no fault wreck my insurance would probably pay for our auto and theirs the other. The claims department is unprofessional, I had to look online at the estimate discovered the frame is damaged on our auto. USAA will not total the auto, they are replacing the frame? I want it totaled due to the damages. Will be filing a complaint with TDI on USAA. They will not pay me a diminished value so have appointment to talk to attorney about both USAA and City. If and when I do get rid of repaired auto I will also be dumping USAA!
Reviewed Jan. 16, 2016
I had been an auto insurance customer for over 10 years with USAA with no claims. My husband and I were hit by a teenager in an accident that was not our fault. The other driver's Geico coverage paid for the accident. We get a lovely letter (sarcasm) from USAA stating our insurance is cancelled. Okay. They're really supporting and serving veterans. What a horrible move. I've bought houses and cars via USAA and they've been paid off, and USAA has made money. I have closed every single one of my accounts and will never use or recommend USAA.
Reviewed Jan. 15, 2016
My son was involved in an accident that was not his fault. His car was deemed a total loss. He had just had transmission repairs to his car totaling $1900 less than 1 month before the accident. They gave him what the car was worth but only gave $300 reimbursement for the transmission repairs. They should have reimbursed the entire amount... Once again the accident was not his fault!!
Second, they refused to pay for a car rental. "Company policy" only pays for a rental for 3 days after notification of a total loss. My son, a 19 year old, had to pay for a rental car (almost $200) out of his own pocket. That's a hardship for him with his income. His 3 days of USAA paying for the rental car was up 5 days BEFORE THEY WROTE him the check for his car. How is he supposed to replace his total loss (once again not his fault) when they haven't even written the check? My advice... stay away from USAA Auto Insurance.
Reviewed Jan. 14, 2016
I have been a USAA member for 17 years, only used for a windshield claim. Recently had a small accident and need transmission work done. In March of 2015, I moved from one state to another and purchased a new vehicle to do so. I called into USAA, got a quote with FULL coverage, when I moved, I changed my state of residency online and inadvertently changed my policy coverage by adding another coverage which in turn deselected automatically my collision. Yes, it is my fault but, I had a history of getting the quote with collision, had it in my previous state.
When I needed it I found it was not there. I ran my "plea" and concern all the way up to the CEO's office. DENIED. They told me... cited all the "legal talk". It's even USAA OWN policy that I am required to carry collision on a vehicle with a lien/loan and they failed to follow their own policy. They even sent an inspector/adjuster to look at the vehicle before they denied. BOTTOM LINE, USAA really does NOT care about the individual or providing "customer service" as the CEO states on his personal page on the USAA site. I will take all of my banking and insurance to another company. I suggest other do the same. SHAME SHAME SHAME on you USAA for not doing the right thing!!!
Reviewed Jan. 13, 2016
Auto accident was not our fault. They deemed it a total loss and offered me a scamming RIDICULOUS amount. I provided them with fair market evaluations and the FIRST thing out of the Total Loss guy Ram's mouth was... "You did not have enough coverage." WTH?! When I called in to add the vehicle, they asked me how much I paid and their little common phrase of "Thank you for trusting USAA" is such an oxymoron! They had a duty and obligation as a moral and just company to sell the insurance that was best for a loss. I would have had NO PROBLEM paying the added $10 per month premium. Instead, I had to FIGHT for every penny and then ended up getting SCAMMED for at least $1,000.00.
When you ask for a supervisor, you get no callback. Hell, even the CEO Office that called me once, will not return a call and I have called them back 3 times and emailed them. It has now been 12 days. If you use these people, they love to take your money, but they will try and SCAM you on a claim. Beware ---THEY ARE HELL TO DEAL WITH - SCREWED UP.
Reviewed Jan. 13, 2016
I have read here how some people really like USAA but never filed a claim with them. Wait until you have to use their claims department and trust me you will not like them much after that. I had an accident recently and was at fault. My car is in the shop and was told I was covered for the rental. Then I get a call that my rental coverage expired because my car was deemed drivable by my adjuster after he just looked at pictures! My car was finally deemed undrivable by the body shop. I was told my rental coverage was reinstated by USAA but it wasn't. I asked to speak to a manager and USAA refuses to allow me to speak to a manager. After all the dust settles and the claim is cleared up and closed I will switch insurance companies.
Reviewed Jan. 10, 2016
I switched from Allstate to USAA on my auto insurance policy thinking they would be the best deal because they "honor" us veterans. I was wrong. They lost the DD 214's that I sent to them via the mail and threatened to cancel my insurance if I did not provide more copies of my service record via a letter that was dated December 31, 2015. I received the letter on January 10, 2016. At that time, after numerous attempts to contact customer service, I was informed that my insurance would be cancelled in 2 days. They had my phone number and email address and made no effort to contact me to let me know they did not receive the requested documentation. I decided to call Progressive. They gave me a much better deal on my Auto and Home insurance. I saved more than $350 a year with progressive compared to USAA. USAA rates and customer service are both horrible. Stay away from USAA!!!
Reviewed Jan. 5, 2016
I have been depositing the same weekly payroll check via the USAA mobile app for the same amount and drawn on the same corporate bank for over 2 years without much problem. USAA has begun to "hold" my checks for the entire deposited amount for 8 days before releasing and allowing access to my funds. Just yesterday I deposited a payroll check so that I could pay a car insurance premium and was stuck with a "hold" on my check until next week. I had been in the VA hospital and my auto insurance policy is about to be cancelled so I needed to pay it after depositing my check. Now thanks to USAA I will not be able to do that and after speaking with them, there is nothing that can be done to reverse this so that I can cash my check somewhere else.
USAA customer service and product policy has become very customer unfriendly to the point that I am cancelling all of my accounts (auto, investment and checking) with them. If you want reasonable and timely access to your hard earned money, you should avoid this "bank" and deposit it into a real bank that has a real branch near you.
Reviewed Jan. 4, 2016
We have been insured by USAA for over 40 years and have homeowners, auto, umbrella, personal articles, banking and credit cards with this company. For years we experienced only top notch service. USAA had knowledgeable customer service representatives who could answer any questions or resolve any insurance related or credit card issues immediately. Unfortunately, we are no longer experiencing the same level of service from USAA. Our daughter was injured when hit by a driver while walking home from work. USAA declined most of her medical claims, always requiring more information and necessitating her spending many hours on the phone to provide additional information. Ultimately, they paid up to the Person Injury Maximum, but not without putting her through unnecessary paces.
Several years ago our homeowners premium increased significantly although we had no claims and our circumstances had changed. We called USAA and learned that we were now required to pay for coverage we did not need - boats, trailers, etc - none of which we owned. Subsequently, the policy was changed so we could opt out of paying to insure those items we did not have, but USAA did not provide us with a comparison that informed us of this option so we paid a higher premium for several years learning we could reduce our premium by no longer insuring these items we did not own. We took out a new auto loan with USAA recently and the process was seamless except for canceling the gap insurance that was offered when we took out the new loan. We were told that we could cancel within 60 days if we changed our minds.
We did change our minds and called to cancel the policy. What USAA failed to tell us when we initially accepted the gap insurance is that 'WE COULD ONLY CANCEL IN WRITING' and the cancellation notice would have to be faxed or mailed, not emailed. More recently - December 2015 - USAA redesigned its website. In the meantime, our auto insurance policies were due for renewal so we looked online for the new policy premium because we were traveling. The policy was not available online. So today, Jan 4, 2016, we called to inquire about the availability of our policy, online. We were told by the first customer representative that our state prohibited making our policy available online if we selected to have our policies mailed. The tech support representative told us again that we had to choose to have the documents mailed or provided online, but we could not do both.
The last person we talked with said that our policy should be available online even though we also had it mailed, but could explain why our policy was not available online. The Supervisor and Manager were not available and we were offered a call back in 24 to 48 hours. We both work, so good luck at actually being able to connect. In the old days, when you called, you could talk with a representative who was knowledgeable when you called. We have been reluctant to move to another company after over 40 years with USAA, but today we have decided to submit our policies to another insurer for competitive quotes. USAA is not the insurance company of the past. I would seek competitive quotes before settling on USAA insurance. Today there are better companies.
Reviewed Dec. 30, 2015
I have had Allstate for 40 plus years. Have homes, hangars, airplanes, cars. Wanted quote for an older car for FL house. Retiring so making some moves. Girl in PHX wanted to move everything to USAA. Bull Crap. May have eventually done so but not now. Will pay more before moving to them so someone can make commission. Done with thumbs. Sad. All my years in Military I thought USAA was not a profit first Company. **
Reviewed Dec. 29, 2015
I was rear ended and the other driver was at fault. The owner of the vehicle has USAA insurance. Ironically, when friends and family found out that I was dealing with USAA the typical response was, "I've heard they're really good." After dealing with them first hand, that is not what my response will be. USAA would not even provide a rental before they got a statement from the other driver, which took a week. When they did provide a rental, it was for 6 days. I requested an extension, as they hadn't even towed my vehicle away yet. I got one extra day. They also refused to pay for rental insurance, that came out of my own pocket, and my youngest son was not allowed to drive the rental because we had to accept the rental companies insurance which did not accept drivers under 23. They took my rental back before my car was even towed away (it was a total loss).
The payoff price will in no way allow me to get a comparable car with comparable mileage. It has been 2 1/2 weeks. They have had my car and my title for a week and a half. I have called twice asking when to expect my reimbursement check. Last week I was told the funds had been cleared. Still no check. I have left messages with my claims agent twice with no response. In the meantime it became necessary for me to find a car with much more miles than the one that was totaled because our emergency back up car has become dangerous to drive at night and it's all I can afford without that elusive check.
Reviewed Dec. 29, 2015
Stay away from USAA! Their services are horrible, especially their car insurance and roadside service. The company they use for Roadside Service is horrible. When my car became stuck in mud in a parking lot during a torrential downpour, I was on hold for over 35 minutes before anyone answered at their Roadside Assistance. They left me and my car stranded in a parking lot in ankle deep mud saying I wasn't covered for "recovery." The roadside assistance refused to send a tow truck to help because I was in service station parking lot and not on the actual road a few feet away in front of the service station. There were several other vehicles stuck and I watched them rock and roll their car backward and forward and eventually figured out how to get my car out of the mud alone. This was a frightening experience for a single woman alone at night. I thought I could count on USAA but I was so wrong.
When I contacted USAA the following day, I was passed around from person to person, having to tell and retell my story many times. During all that time, only one person said this was unacceptable and he promised to have a supervisor call me. She never did. I called back and was eventually dumped into the hold queue for their horrible Roadside Assistance. I hung up and called back and eventually talked to Member Relations Rep, Sarah **, who kept asking me in a cold, uncaring voice, "What did I expect them to do?" She never once said what had happened was unacceptable or that she would investigate.
I told her I wanted USAA to quit using whoever they were using for Roadside Assistance and find a decent roadside assistance company. She said they wouldn't be doing that and offered no other suggestions. When I asked to speak to her supervisor, she refused and told me I could not go any higher. Do NOT USAA for any of your insurance or investment needs. They will gladly take your money but when you actually need them, you will be on your own... in the dark, all alone.
Reviewed Dec. 24, 2015
Quick, fast, and great customer service (for the most part). I have both auto and home with USAA and they have been fantastic in paying out claims quickly. Only had one billing issue 1 year ago but quickly resolved.
Reviewed Dec. 22, 2015
I can only hope that USAA treats their auto insurance customers better than those affected by one of their drivers. I was recently in an accident (day before Thanksgiving) with a USAA customer. The USAA customer immediately took fault because he drifted into my lane which caused me to veer off of the road and hit a wire cable post. My car was deemed a total loss, and USAA gave me a low-ball estimate which is nowhere near the amount it would cost to replace my vehicle. A representative (Raquel Natal) told me she was aware that the amount being offered was not enough to replace my vehicle. She said USAA is only legally required to offer "actual cash value" for my car, not replacement value. I then checked Edmunds fair market value, which is comparable to actual cash value, and Edmunds estimates my car's actual cash value as being $1000 more than what USAA is offering me.
I thoroughly viewed the report (prepared by USAA) Raquel Natal emailed me regarding my claim, and there are many flaws in the report. For instance, a lot of the damage to my vehicle caused by the accident (e.g., dent in rear door, rear bump scratched) USAA marked as damage PRIOR to the accident. Also, the 17 cars they compared my vehicle to cost significantly more than what they are offering me, but they "adjust" the value my subtracting several thousand dollars so that the car is worth significantly less. For instance, one of the cars they compared my car to had more miles and fewer features, yet USAA subtracted almost $1000 because that car was determined to be worth more than mine. Shouldn't it be worth more? ?
Bottom line, even if USAA is only legally required to offer actual cash value, the way they determine actual cash value is ambiguous, subjective, and in my opinion fraudulent. I have been trying to negotiate with USAA, but the claims adjuster dealing with my case, Claudia Moreno, has not returned my calls. I have called her five times and have left four voicemails over the past two weeks, and she has not called me back. I contacted Paul Marking, a claims manager, and any time I asked him a question regarding the claim on my vehicle, he gave me a snarky, unclear answer and tried to run circles around me with his insurance jargon. Also, I explained how this accident has caused me a lot of emotional distress because I wasn't able to spend Thanksgiving with my family, and my rental car was taken away (by USAA, of course) too soon, so I have been without a vehicle for over a week. He showed absolutely no sympathy for me, and was actually quite rude.
In conclusion, I will mostly likely have to take legal action against USAA. I highly discourage anyone considering USAA as an auto insurance company to use them as their insurance provider. Find someone else! It's really sad that an insurance company supposedly representing our veterans would treat people like this.
Reviewed Dec. 20, 2015
I had very bad experience with USAA insurance company regarding my car accident last month. Their insured's car was backing out of his driveway and hit my car coming down on the street on the side, and USAA still would not accept liability based solely on their insured's dishonest statement. They would not even come to look at my car for the damage which will speak for itself. Even though my insurance will take this to arbitration, I still feel that this company didn't look at all the facts and evidence and hastily concluded their investigation in their client favor just to save the company some money.
Reviewed Dec. 15, 2015
We are military officers who have been members for over 30 years and have watched the total destruction of the company over the past few years. We recently had the misfortune of experiencing their terrible service! We were given less than 1/2 of our car's worth, and that was after a month of 3 hours a day trying to get them to call back - they actually LOST our car for a week. Then they have only reimbursed us 1/4 of what we spent on a rental (they try to make you use a company that has no cars available). I have never experienced such horrible customer service. This goes for mortgage and all of their products - they outsource everything now and could care less about those of us who actually served. THIS IS NO LONGER A COMPANY THAT RESPECTS OR VALUES VETERANS!!!
Reviewed Dec. 10, 2015
I've been a member for 13+ years and have seen this once great company's reputation and services decline into a nose dive. Most recently my car was broken into, vandalized and my personal property (holiday shopping) stolen. They have put me through the ringer and made me jump through so many hoops to not only, not officially deny the claim, but simply decide not to pay anything saying all the damage was normal wear and tear.
Even though the body shop said in writing that was highly unlikely, the friend I was with (ex-police officer) verified the damage. Was not there immediately prior to us leaving for dinner, submitting photos from weekend prior showing no damage and damage so severe the vehicle is beeping so loudly it is no longer safely drive able. However, after months of forgetting to tow my vehicle from the hotel parking lot, cancelling my rental coverage prior to even inspecting it, requiring I travel out of town to provide the body shop (which I did not choose) with items needed, and to meet the adjuster (who never showed). They have simply closed my property claim without communicating in the least about it. Even their so called director hung up on me. I will definitely be leaving USAA very soon along with all my banking, investments, auto, property insurance policies.
Reviewed Dec. 8, 2015
My boyfriend and I were rear ended by a USAA policy holder. The vehicle was totaled because USAA didn't want to spend 8000 to repair it. I went to the hospital with a rib injury and missed 6 days of work because of the accident. Now, over a month since the accident we still don't have a vehicle because they will only offer us 837 for the vehicle, and I still haven't heard anything about a reimbursement check for the days of work I had to miss due to my injury from the accident. How do they expect us to find a car that runs reliably and that is legal for 837? I would NEVER use this company! They are nothing but a bunch of cheap skates!
Reviewed Dec. 2, 2015
I have had a bank account with them for years and just switched over my car insurance to them because of the rate price. That all went great and had no problems until a deer hit me. And I mean it hit me, rant into the side of my car while I was driving. I got the claim process going no problem and all was well until I took it to my own body shop and not the one USAA recommends. I did this simply because I know lots of people who recommend this shop based on their work. Took it to the shop and got an estimate, submitted it to USAA. Next thing I know they are saying that they made a mistake and because it was animal damage an adjuster would be sent out to look at my car and give his own estimate. He came out and looked but when I got the estimate from him it was around $2000 less than what my body shop estimated.
I compared the estimates and the one from the adjuster clearly was just to pop out the dents and fix it up. Where the door was dented it's impossible to pop it out and have the door be in the same condition it was. That is the point of insurance right, to restore the car to its pre-accident condition? Now my body shop has been in contact with the adjuster to work something out, but meanwhile my car has been all beat up for over a month. I'm seriously disappointed and feel that USAA has let me down. The full cost came to $3000 and $1000 of that is mine. I don't feel like that's too much to ask for my car to be fixed and I've never had any other claims or accidents at all. Just lost.
Reviewed Dec. 2, 2015
Never filed a claim but after 1 year, they wanted me to pay 100% more. They advertise themselves as "The Insurance Company for Military and Veterans." That's a great, big fantasy. Don't bother with them for auto, renters or homeowner insurance. It's a scam!!!
Reviewed Dec. 1, 2015
Just horrible customer service concerning auto insurance. Overcharged us and are still sending bills long after we've cancelled! Would not recommend.
Reviewed Dec. 1, 2015
Once a claim is presented, a rep is assigned to you and the claim is processed with a minimum of hassle. We have been with USAA since 1957. We were involved in a major accident many years ago. Hit by a drunk in a borrowed car and the owner was uninsured. USAA covered all hospital bills for us and our passenger, paid off my car and did NOT raise my rates at renewal. They tried to collect from the car operator but he had quickly crossed the border to avoid any legal action.

Reviewed Dec. 1, 2015
Auto insurance is necessary but many companies offer different rates for similar coverage. It really comes down to customer service and their ability to pay for claims when they are submitted. I actually enjoyed having Amica Auto insurance and will likely change back to them. Right now I have USAA, and they are not bad either, but Amica felt more personalized.
Reviewed Dec. 1, 2015
My husband and I had USAA for years, and recently re-enrolled. The service reps are professional, claims are processed quickly, coverage is affordable.
Reviewed Dec. 1, 2015
I can't rate the claims processing - never had to make a claim. I think rates are too high for those of us who haven't have accidents. USAA is better than most insurances only because their customer service is slightly better than others. They seem to be genuinely interested in policy holders and respond quickly to inquiries and potential changes to coverage. They are available on-line much more consistently than independent insurance agents and though I believe all rates are too high for me and my family, USAA is at least competitive.
Reviewed Dec. 1, 2015
I have had USAA Auto Insurance for many years now. The rates are among the best out there and are very fair. Customer Service is excellent in all the years I have used USAA. I have never had not even one negative experience. Claims have always been handled quickly, courteously and expediently. The coverage is excellent and I can not think of not one negative thing to say about them.
Reviewed Dec. 1, 2015
When the engine on our van exploded (yes, exploded) into a huge fireball, we were crushed. It happened maybe 100 feet from the hotel parking lot the day before we were supposed to move to our new house halfway across the country, after we were already out of the old house. Besides the fire department, our first call was to USAA. They asked a few questions, and within an hour a rental car was delivered to us - they even paid for the upgrade to a van so that my wife and I, and our 4 kids, could still make our trip the next day. When we got to the new city, we kept the rental for a few more weeks while they inspected the old vehicle and sent the settlement (which was a very fair amount). When we bought our new van, all we had to do to have it covered was go online and type a few details about it.
Reviewed Dec. 1, 2015
USAA has been my auto insurance provider for over 10 years and have been very good so far. I like the fact that they are easy to get a hold of and don't seem to mind the fact that my job takes me all over the country. The rates are competitive and service has been solid. I would give it 5 stars across the board, but did have some difficulty following a hit and run accident in which they said my rates would go up if I used the insurance to fix the damage the other driver did because I was unable to provide the insurance info from the other driver. (He drove off. I stayed. Jerk.) Other than that, pretty happy so far!
Reviewed Nov. 30, 2015
They had my home insurance all messed up for months and months after my husband died. I spent hours and days on the phone with them and then they upped the cost of my home insurance.
Reviewed Nov. 30, 2015
They are great insurance company. They provide great help & rates that you can't get anywhere else from any other company. They are very helpful with questions we may have about our account. They have great customer service & are very professional.
Reviewed Nov. 30, 2015
We have been customers for over 5 years and every time we have needed them they were there. The site is very easy to navigate when you need a certain document and they are available at all times. If you call you always get an operator.
Reviewed Nov. 30, 2015
I like it. It's not too bad. They hook it up for a decent price.
Reviewed Nov. 29, 2015
This insurance company has been great! MY family has used it for years and even after moving out of my parent's house I opened an account with USAA! The company was always available to help answer my questions and they have been amazing with helping me switch over my information since moving to my new home.
Reviewed Nov. 29, 2015
I feel like I've gotten one of the best rates possible for veterans. We have been with our auto insurance company for over 20 years and are happy with our rates and excellent customer service we receive when we have questions about our policy. We are also not penalized for small traffic violations and our rates have not gone up for many, many years. I would recommend USAA to any veteran looking for great rates and customer service.
Reviewed Nov. 29, 2015
We purchased a brand new car in 2013 and was told that we will need to a have full coverage for the car which is exactly what we thought we had when we spoke to USAA. When we were in an accident, we were told that all we had was comprehensive, no collision. We were completely stopped at a stop sign when two cars crashed into each other and ricochet off of us. So you may ask, how is it possible that we don't have any collision coverage? They couldn't give me an answer as to why I'm not covered as I live in a no-fault state and that everyone had to claim from their own insurance regardless of whose fault it was. They said we have declined all coverage, but how is that possible when I am still currently paying for the car. Why is it that they are telling me, if the accident was my fault, they would pay the damages for the other vehicle. "Oh wait, it's a no-fault state so we don't have to pay."
I feel like I've been tricked and that they are one of the shadiest company I have ever encountered. You would think they want to support the military and help guide us in the right direction, however, they just want to trick people into paying the money and make it as difficult as possible to get anything to even fix the car.
Reviewed Nov. 28, 2015
I have found USAA to be an excellent insurance company for my auto and homeowner insurance policies. They have given me nothing but positive and personalized consumer service since I first contacted them. I would highly recommend USAA insurance to anyone who needs a policy. They also offer a large variety of other banking and financial services. So far, I have had no major complaints about my USAA policies at all. Their website is easy to use and I go there whenever I have a question to receive service.
Reviewed Nov. 28, 2015
Very easy to get a hold of, can online chat or call and you will talk to a person very quickly. Their rates are competitive with other companies, depending on your driving record. It's easy to make changes to your plan or to assess different options to your plan.
Reviewed Nov. 28, 2015
I have had USAA insurance for over 30 years and never had a problem of any type. On those rare occasions when I needed to file a claim, it was handled quickly and efficiently. My annual premiums have always been reasonable in cost and payment can be in ways that fit one's budget. Calls to the company are handled quickly and efficiently. It is a great insurance company and if you are eligible you should get it.
Reviewed Nov. 28, 2015
Was able to sign up online, very easy to use, although there are a lot of ads on the website. But it is very affordable. We are very happy with our insurance company and would recommend it.
Reviewed Nov. 27, 2015
USAA is respectful, fast with their responses and claim serves. Offers comprehensive insurance offerings, has fair pricing and always offers excellent customer service. We get our homeowners and auto insurance from them as well as umbrella policy. I especially like their auto buying website, which allows us to review and even purchase cars online. They are currently expanding their offerings to include travel programs so we recently booked a rental car from them too and got excellent pricing for that too.
Reviewed Nov. 27, 2015
I really like this insurance. You can do everything online so don't have to leave the house. If we have any questions they are there to help us. They can send your profile to you in your email so you can just print it and have it. I would recommend this insurance to anyone that has been in the service or a relative of someone who was in the service..
Reviewed Nov. 26, 2015
USAA was once a good company in the 1980s and 1990s but when you have had homeowner's insurance for over 15 years and file one claim for mold and water damage they treat you like criminals. I have spoken to colleagues and family members who have had negative experiences with USAA. One cousin got locked out of her account once she mentioned she had an attorney. She was dealing with auto insurance/auto accident in which the company who gave her a loaner car lent her a car that was hit by a carjacker. My cousin was injured and the police officer discovered this loan car had no insurance or registration. I hate USAA because of the ignorance and nasty attitudes of their CSRs and damage agents. I will tell everyone about my negative experience and get another insurance company for my home and auto.
Reviewed Nov. 26, 2015
I have never had any issue with USAA as a whole, but recently I feel like I might be getting overcharged. It could be my car or age or that I'm a single male, but still, I'd like to figure out if I could get it cheaper. I really like the fact that they're very helpful on the phone and their website is always full of helpful information. It's easy to see what I owe and how I can fix my rates.
Reviewed Nov. 26, 2015
I had one claim three years and it was handled quickly and fairly. They are very easy to deal with. The website is user-friendly and it is easy to pay online. They also are quick to get the bills mailed.
Reviewed Nov. 25, 2015
USAA is the best insurance company out there if you qualify for it. You or somebody in your family has to be or was in the military. They have the cheapest prices you will find on auto insurance that you will ever find. They also are very helpful and willing to work with you any way they can. Just recently I had auto insurance through them on my daughter's car and I lost my job. So I had got considerably behind on a lot of my bills. They were more than willing to work with me until I could find another job.
I do not know of any insurance companies I've ever dealt with before willing to do this for their customers. Usually if you are one day late paying they will cancel you but not USAA - they were very helpful and understanding to my problems. They even offered assistance with helping me come up with a budget. They really succeed any insurance company out there. But the only thing is the only way you can get their insurance is if you or a family member is or has been in the military.
Reviewed Nov. 25, 2015
If you have served or are related to anyone who has served in the military, USAA Auto Insurance is worth checking out, you would be surprised at their rates & a lot of other things that they offer.
Reviewed Nov. 25, 2015
Excellent products. Services and professionalism. Have been our insurer for all insurance products for over 40 years. We would never consider products from any different insurer because of the quality of services from this excellent carrier. If an interested party is in need of excellent and affordable products and have either a parent who has served their country or have served in any military capacity they should check out this insurer at usaa.com.
Reviewed Nov. 24, 2015
I have not filed any claims on my insurance and feel that I pay a little more than other consumers. However, we do our banking through them and I feel confident in knowing that if an issues rises that they will be there to help in whatever situation we are going through. I have heard mixed reviews from people but I have put my confidence in USAA.
Reviewed Nov. 24, 2015
They are affordable. Their customer service is friendly. They have easy access to paying bills, finding quotes and assisting with other loans, such as auto loans and personal loans. They are like a one stop shop and are always helpful. They assist you with finding the right needs for you and your family at different stages of life and they try to help you any way they can. You can pay your bill twenty-four hours a day either online or over the phone on an automated system. You can print out your insurance cards online anytime you need them.
Reviewed Nov. 24, 2015
I have had USAA since my husband was alive and still have it. They are very thorough and answer all my questions. The price is fine. They are very helpful. They send all the information I need and bills are paid by auto debit, which keeps me from having to write checks. I can usually find someone, even after hours. They provide road service and wrecker service.
Reviewed Nov. 23, 2015
I've only ever had USAA for both auto and home insurance. I absolutely love them. Despite having several accidents, most of them not my fault, they've always been there for me. They settle claims quickly. They're very easy and pleasant to deal with when bad things happen. When I have trouble paying my bill, they work with me. I would never even consider going with anybody else. There may be cheaper insurance companies but it would never be worth the trade-off of having USAA by my side.
Reviewed Nov. 23, 2015
Best customer service and handles all issues quickly and effectively. Accident claims handled professionally and have customer service members that care about you and your family.
Reviewed Nov. 23, 2015
They are quick to respond to any questions I may have. You can submit claims online. They are very reasonably priced. They are efficient at getting proof of insurance to your lender. If you get locked out of your car they will reimburse you fairly fast to the account of your choice.
Reviewed Nov. 22, 2015
Involved in an accident that was not my fault. My dealings with my insurance company was very disappointing.
Reviewed Nov. 22, 2015
I have had this insurance for the past several years and have not bad any issues, to include getting discounts with multiple discounts because of the accounts I have with USAA. They have great customer care service and always treat their customers with respect.
Reviewed Nov. 22, 2015
I like being a USAA member for perks such as the yearly dividend check. Being able to bundle my renter's insurance with my auto insurance is efficient. The ability to have three different payment balance choices is a relief.
Reviewed Nov. 22, 2015
They've always been very helpful when I've encountered problems that required using my insurance. They're very prompt in dealing with me and/or the other persons involved in the claim. They haven't hassled me about my claim(s), the amount or size or made me feel badly about putting in a claim. The different divisions work together (home/auto) with ease and seem to know how to direct you and connect you to whom you need to be connected.
Reviewed Nov. 22, 2015
We were hit by a insured driver. My hand was broken and my husbands neck had bulging vertebrae. We had to hire a lawyer for our claim. My husband was permanently disabled. Their driver turned left directly in front of us. Went to arbitration. The amount the arbitration offered we felt was low. My husband had been a nurse making 38 dollars an hour. He was 57. He had at least 10 more years he wanted to work. He was a nurse. It was more than a job to him. It was how he defined himself he was the best. The lawyer had noticed my husband had not worked in a year before the accident and alluded to him looking for a patsy to support him. But my husband had lost his Dad his Mom And his Sister in less than 3 years. He had an inheritance that he used to try to live off of for a year. He needed to settle estates and quite frankly it's a lot of loss and he may of been depressed. He WAS NOT looking to screw anyone over.
The lawyer also brought up an accident by the year before that he stated my husband was in, it wasn't him though it was our daughter. He didn't even have his facts correct. After the arbitration they came back with a pretty low offer and they refused to budge. In today's economy they felt they would win the case. We were big city coming to a rural area looking for what they termed a big payday. We took their final low counter offer. They said they'd pretty much make him look bad. By the way his Dad had been insured by usaa for years and we had been considering changing to them though not anymore.
And my husband was an army trained Nurse and served for 13 years. So much for being for the servicemen and families. Every time I see their commercials I think hypocrites. So all I can say about this company is they don't pay crap to a vet that their driver disabled. And get this he turned directly in front of us and changed our lives forever over a roadside stand and a piece of homemade pie his driver was hungry for. This situation makes me cry daily. So if you want an insurance company that will fight for even to the expense of other this company is for you but God help the people they hit cause they won't be fair. The end.
Reviewed Nov. 22, 2015
I love USAA. They gave us a great rate on our auto/home insurance bundle. They really made things simple and easy for us to transition to our new home in a different state. The customer service is amazing. They are so nice and they didn't make us wait a long time when we needed to change anything. Getting the paperwork we needed was extremely simple and they did a lot of the work for us. That made a very stressful time a lot easier and one less thing we had to worry about. We highly recommend USAA.
Reviewed Nov. 21, 2015
Great insurance company. Covers window replacement 100% and are very attentive on the phone with you. The payments are minimal. Also the insurance doesn't bug you repetitively for upgrades or advertisements like so many will do these days. They only send bills in the mail.
Reviewed Nov. 21, 2015
USAA is a great auto insurance company. My insurance payment with USAA is around 50 dollars a month cheaper than the next cheapest company. Their customer service is also topnotch. They answer your questions quickly and you can get help by phone 24 hours a day.
Reviewed Nov. 21, 2015
They have always been very helpful whenever I call. I do not have to leave a message. I can speak to an agent when I call. I do not have to go through a secretary or assist. They will even offer advice on how to save money on my premiums based on my cars and driving history. I feel they are there to assist me and not just to collect a premium.
Reviewed Nov. 21, 2015
USAA works with us to make sure we only have the coverage we need, and not paying too much for things we don't need. They have always treated us with respect, like people and not numbers. I would recommend USAA to everyone that is eligible to join.
Reviewed Nov. 21, 2015
Low rates, full coverage. Great customer service and very knowledgeable. Never had any issues. I'm always able to reach a representative quickly and every time the representative was kind and virtuous. I learned more about the company and more that they have to offer.
Reviewed Nov. 20, 2015
Friendly and very easy to understand. Members get good rewards and great deals. The staff makes you feel like a part of their family and won't hesitate to walk you through anything with an upbeat attitude.
Reviewed Nov. 20, 2015
I have never once had a problem with USAA. They are easy to reach, responsive, and get claims done in a timely manner. Their call center is very helpful. They also have a wide range of services they provide. I have been with this company for many years and plan to stay with them for many more to come.
Reviewed Nov. 20, 2015
USAA insurance is the best out there. The customer service is excellent. Claims process is fast and easy. I was in Germany when a tree fell on my car back in the States. They made everything stress-free. I was confident in the process even though I was thousands of miles away. If you are looking for the best insurance, look no further.
Reviewed Nov. 20, 2015
Have been dependent on them for 21+ years and they're always there when I need them! Reasonable rates, great customer service. Am proud to be a lifelong customer of theirs.
Reviewed Nov. 19, 2015
USAA I have. It's reasonable and affordable. I like USAA for their service is convenient and easy to use. I am proud to say USAA. USAA IN MY OPINION IS THE BEST. There is no hassle when there is a accident.
Reviewed Nov. 19, 2015
We have been very pleased with USAA. They are very courteous and quick, thorough in their responses. Their rates are very reasonable. We had a claim once. They were quick to respond to the claim, getting assessments. Our car was totaled, we received payment fast. They handled the claim on other person's car in the same manner. We would definitely recommend them.
Reviewed Nov. 19, 2015
I've had USAA for over 14 years now (active-duty since 2002) and have had minor fender benders with satisfactory service. No issues with either car insurance nor checking/savings accounts. However, over the past year, I've been in 2 accidents, through no fault of my own with the second one that I couldn't fight and one that should've been under accident forgiveness.
Recently, I've submitted a negative review or two on USAA, regarding their insurance policy and some of their shoddy representatives. I've also almost submitted another claim for a non-accident recently because my front bumper fell off due to a non-accident but decided otherwise. Shortly after doing those things, I get a certified letter in the mail to one of my PO Boxes with no warning for a warning that I will be dropped from USAA insurance coverage in December, so I would have to find another insurance company. I've been a loyal USAA customer for over 14 years with hardly any accidents and other accounts in good standing all this time and then I get dropped. I have nothing but complaints for USAA because this is no way to reward loyal, long-standing customers.
I'm currently looking for another bank to conduct business with. I've already terminated my insurance policy with USAA early because that was beyond insulting and need a bank that stands by its loyal customers. So, basically, if you have NO accidents and NO issues to include bank overdrafts with your accounts, you have NO issues with USAA. Military or not, I feel that insurance with USAA was below expectations.
Reviewed Nov. 19, 2015
They have great customer service and value. We have had car insurance with them for almost 10 years and have had excellent service. We are also considering having a bank account with them since we are happy without credit card with them.
Reviewed Nov. 19, 2015
It's cheap and they care about you! They always gives you extras like discount rental cars. Other things you're offered is discounted hotel rooms and resorts!!! They give you extra time on paying your bill as well. I will always recommend them to other military personnel.
Reviewed Nov. 19, 2015
Very happy with this insurance company. Best one I've ever used. I would recommend them to anyone looking for auto insurance, especially those who have been or have had loved ones in the military.
Reviewed Nov. 18, 2015
I currently have USAA and have been a member since I was 18. I've never had an issue with them. They were helpful when I was stuck on the side of the road. The representatives are very nice and treat me like family. They know how to treat their customers. I'd highly recommend them. Their pricing is also very good for my family.
Reviewed Nov. 18, 2015
It's always been easy to get a representative to take my call quickly and answer my questions. They are always polite and pleasant to talk to. The rates are awesome. They are always helpful to recommend what will give our family the best deal. Never had a bad experience yet.
Reviewed Nov. 18, 2015
We changed to usaa auto, home and umbrella coverage almost a year ago because they honor those that have served in the military. My spouse served during the Vietnam era back when people were drafted into the armed services. When we went online to apply for coverage, USAA was very welcoming and caring. They are a perfect fit for us.
Reviewed Nov. 18, 2015
This company has excellent customer service and great tips. They also have really great rates. I would recommend them to anybody. I also receive a lot of newsletters from them in the mail.
Reviewed Nov. 18, 2015
USAA is a good company and I am being a happy customer for 6 years. They guide me well. It was founded in 1922, headquarters are in San Antonio, Texas. They are into several sectors.
Reviewed Nov. 17, 2015
Great customer service. Every time I need to call or need help it's a very minimal wait time on the phone. All customer service representative are very knowledgeable, friendly and very polite. When dealing with a claim you have direct access to your agent plus everything can be done online. Rental car was set up and ready to go. Excellent product and result every time.
Reviewed Nov. 17, 2015
Maybe it is just the members who have USAA but when someone slammed into my car who had USAA the treatment was awful. First they claim to be the best for military because they understand our lives. I was waiting six days before they even began working on my situation. They said their policyholder had not given them a statement. So I was without a car, rental coming from my own pocket and ten phone calls without any help. For being military understanding they seem to lack the very knowledge that I need to show up to work.
When they finally did contact me and had my car towed to a STARS program facility they chose a horrendous shop. Repairs lasted over forty-five days. The car should've just been totaled if it took this long to repair. Then they went back and told me they weren't part of the star program so my repairs were not covered for life. The only reason I chose that shop was to have that peace of mind. Now basically they said I chose that shop. Ridiculous after receiving my car back which was not 100 percent but I needed it back because I was moving cross country due to military orders, I contacted them and let them know about what was wrong so back to the shop.
So yeah they took very good care of a military member and I can never be more disappointed by this company until I call them about a noise that's coming off the side where repairs took place. The only help I receive from them is to call the auto shop but I had recalled that they told me "Hey if there are any more problems just go ahead give us a call. We want to make sure everything is back to normal." What a switch from white to black with this company. I could not even stay on the phone after this guy is telling me basically it's not their problem anymore. I was considering them as an auto insurance company for my needs. Glad I stayed away. The only thing they take care of is themselves.
Reviewed Nov. 17, 2015
I'm a third generation USAA user. They are very helpful and courteous on the phone with my issues and changes. Always helping me with my roadside problems and always checking back to make sure everything was satisfactory and up to my standards... Would also and do recommend to everyone I know.
Reviewed Nov. 17, 2015
They are very helpful and easy to talk to. They were very helpful in answering all my questions and concerns about insurance and also helped me pick the most beneficial insurance package that would benefit me and fit my budget.
Reviewed Nov. 17, 2015
I have been with my insurance company for about 25 years... They have always been an upstanding company. Whenever I have filed a claim they helped me all the way through the process... I would recommend them to anyone in the market for insurance. You have to have been in the military service or have a spouse in the military to qualify to have insurance with this company. It is the best insurance to have.
Reviewed Nov. 16, 2015
Our auto insurance company is a great company. We have been with this company for many years and have been very happy as their patrons. Their rates are reasonable and their coverage is outstanding. Filing claims with them is easy and they usually have a quick turnaround time. They are a very reliable company and I always feel that they have our back when we need them. Their customer service is wonderful and I always feel like I can contact them at any time of day with any question, big or small.
Reviewed Nov. 16, 2015
After getting into an accident that happened out of town it took USAA 3 days to find me a rental. The rental was unfortunately back in my hometown so I was stranded. When getting back to my town they sent my vehicle to a repair shop where 400 dollars of personal property were "misplaced". After about two minutes of driving my own vehicle it was clear that it wasn't properly repaired. Usaa said they would not cover anything else. During this my claim adjuster made minimal contact with me and most of the news I received was from the insurance company liable for the accident. Looking forward to not doing business with them in the future.
Reviewed Nov. 16, 2015
They are not as expensive as most other insurance places and they look out for you and if you have any questions at any time they always do their best to help figure out the problem. I have great coverage for a great price. They helped me get my first car with no hassle. It's always a relief when you don't have to worry.
Reviewed Nov. 16, 2015
USAA is very customer service oriented, going out of their way to help. I have never had an issue with any claims being processed or paid. The customer service is amazing. I have never been on hold for more than a couple minutes and any questions I've had have been answered promptly.
Reviewed Nov. 16, 2015
USAA has always been very responsive to my needs. When I need to make a claim they are there and they do the leg work of contacting the other agency and dealing with everything. They are affordable which is extremely important to me. They also have great coverage.
Reviewed Nov. 16, 2015
My husband manages our USAA accounts, and as far as I know, we have not experienced any billing problems so far. Our auto insurance policy currently covers both of our vehicles. We have not experienced any motor vehicle accidents under this policy, so I am unable to evaluate the handling, or efficiency, of the processing or payment reimbursement on claims at this point in time. From what my husband has told me, and what I understand, USAA Automobile Insurance policies can be paid in several ways, such as annually, biannually, and so forth, allowing the consumers multiple options in which to pay for their automobile insurance coverage.
In today's economy, having such options as these available, can greatly influence the consumer's decision when it comes to choosing the provider of their automobile insurance coverage. USAA also allows for the bundling of other insurance plans and coverage, for things such as Homeowners Insurance, Flood Insurance, etcetera, which makes choosing USAA coverage even more desirable over some of the other insurance providers. One stop shopping is a win for all parties involved, and I believe it is highly beneficial in helping reduce costs, and in keeping insurance premiums down. While I hope we continue to remain accident free, it is reassuring to know that our best interests have been taken into account and that we will be well taken care of by USAA, should the need ever arise. Having that peace of mind is truly priceless, and we are grateful for the services provided to us.
Reviewed Nov. 16, 2015
My father served in the military and this made us eligible to acquire insurance from USAA. We are very happy with company and would recommend them to anyone. The more policies you take advantage of the more of a discount you receive.
Reviewed Nov. 16, 2015
I have had them for over 35 years, during that time they have given me outstanding service. It did/does matter if I am making a claim or just changing my policy. They are always courteous and go out of their way to assist me.
Reviewed Nov. 16, 2015
They are always there when you need them. Any problem you have they do everything they can to take care of it for you. They call and set up towing for you and call service providers to check prices and rates for you as well. They do what they can to take the stress away from you.
Reviewed Nov. 15, 2015
I am very satisfied and I recommend. It is insurance that responds and conforms to your opinions esta ready. He answered fully and quite sencillo and reliable so that one can be sure your car.
Reviewed Nov. 15, 2015
I have had USAA insurance for the past 30 years. They insure our automobiles and our home and personal property. They also provide renters' insurance for our daughter. This company has an outstanding reputation and I always speak very highly of this company. I recommend this company to anyone who qualifies to become a member.
Reviewed Nov. 15, 2015
Have used for over 20 years and are exceptional in all aspects including customer service, billing, claims, etc. They are responsive and make the process when their needs are required easy and painless. I would recommend to anyone who qualifies for their coverage.
Reviewed Nov. 15, 2015
There is always a knowledgeable representative to talk to you. I love the use of the app as we have multiple accounts with this company. We have been so happy with their auto insurance that we have our homeowners insurance with them as well. I got into my first accident and they did not raise our rates and were super easy to work with.
Reviewed Nov. 15, 2015
Great rates that no other has been able to match. Very responsive when I have had issues such as accidents or natural disaster damage. I highly recommend them but only those linked to the military can join.
Reviewed Nov. 15, 2015
USAA has great rates. They have an easy to use website to make changes to your policy. In addition to having good insurance they have a car buying and financing program that can save you money on the purchase price of your next car and pre-approved financing at very low rates.
Reviewed Nov. 15, 2015
They are simply the best when it comes to customer service and helping you out when you need it after some kind of accident or natural disaster. We have had the best experiences with them as a family with our fleet of vehicles getting into some kind of trouble at one time or another.
Reviewed Nov. 15, 2015
USAA provides great coverage at an affordable rate. They listen to your needs and concerns and recommend any products that may be useful, but only if you consent to receive this helpful information. Their customer service whether gaining coverage or making a claim is top notch. There is a reason they are consistently rated one of the top insurance companies out there.
Reviewed Nov. 15, 2015
Good pricing; good service; proactive interactions have led us to stay with USAA for multiple decades and kept us from entertaining any other options. Also, we have extended our relationship with USAA by adding homeowner's insurance to the mix; acquiring their credit card and opening up multiple investments accounts.
Reviewed Nov. 14, 2015
A very straightforward policy and very hassle free when making a claim -- reasonable monthly payment with great coverage and always up to date information being sent to you. Someone answers the phone when you call instead of a fussy automated system.
Reviewed Nov. 14, 2015
USAA is very helpful during the process of obtaining insurance. Their policies are affordable and easy to read. It's been a while since I had to make a claim but the process was easy and took very little time from beginning to end.
Reviewed Nov. 14, 2015
Helpful and somewhat reasonable prices. Good reps and well trained. Decent website and pretty fast claims resolution. Overall a good insurance company to work with.
Reviewed Nov. 14, 2015
USAA offers superior service at a very affordable rate. I have never had any issue and all personnel are friendly and helpful. Although I have only had to call once, it took mere moments to resolve my issue.
Reviewed Nov. 14, 2015
Thankfully, I have not had to file a claim so my experience is only with telephone conversations when I signed up. I did have a problem when I signed up because my previous company listed a claim on my policy that was not mine but was my son's who has the same name as my husband and who had the same former insurance company. It took months before it was straightened out. One thing that is a good feature of their billing is that you can pay in installments with no extra charges. If you wish to pay monthly the sum of your payments is the same as if you paid in full.
Reviewed Nov. 14, 2015
USAA is a trusted insurance company for veterans or families of veterans. We have only been with them a year since we moved from PA to Florida, but we were offered very competitive rates and got our insurance over the phone on the spot. We have had no problems or issues with them at all so far in our dealings with the company.
Reviewed Nov. 14, 2015
USAA provides great service and really takes care of their customers. They are attentive and responsive and work hard to make sure they help you in any situation you find yourself in.
Reviewed Nov. 14, 2015
My son was involved in an auto accident, in which the other driver had USAA. It's been over 5 months and we still haven't been reimbursed for the accident. When I call which is at least once a week, I am given excuses by the claims adjuster Danielle. She has told us several times that we should just privately sue the driver. Now why would we do that if he was insured by USAA? She has also told us that we should have had more coverage on our policy such as car rental. Again the accident was not our fault so why should we pay for it? We were insured by USAA several years ago but dropped them due to accident that resulted in a situation similar to this.
Reviewed Nov. 14, 2015
USAA is wonderful! Not only are they affordable, they have the best customer service I have ever experienced. They treat you like a person not a number. They are always available to help you with whatever you want.
Reviewed Nov. 14, 2015
Have had auto and homeowners insurance with USAA for years. Have always been treated extremely well and would not consider going elsewhere. All of my adult children are insured with USAA.
Reviewed Nov. 13, 2015
They've been extremely helpful, and always answer questions promptly. I haven't had too much experience dealing with them in the sense that I've not had any type of accident, therefore I've not had to process a claim. However, we have other family members on our policy, and they have had to file a claim. The claim was handled quickly – within a day the relative had her rental car, and her check for her replacement card came quicker than in any other instance I have ever heard of.
Reviewed Nov. 13, 2015
USAA offers all the benefits other companies do but when my brother was wrongfully accused of causing an injury by a fraudster, they provided legal counsel for him and proved that the guy had a habit of "faking" accidents and insurance scams. If they went that far for my brother, I know they would do it for me.
Reviewed Nov. 13, 2015
We love having our insurance through USAA. The price is great and I have yet to have anyone beat USAA prices. USAA's reputation is well-known. I once had a telemarketer call me and claim he could beat my current insurance company's price. When he heard I had USAA as my insurance company, he simply replied, "Oh, never mind. We can't beat them" and hung up. In addition to their unbeatable prices, their customer service is fantastic. They are polite, to the point, and incredibly helpful. To say that I am pleased with this service would be an understatement. I highly recommend using USAA.
Reviewed Nov. 13, 2015
I have had nothing but good experiences with my insurance company. I like the fact that I can go online and chose the coverage I want to carry myself and can choose my pay dates too.
Reviewed Nov. 13, 2015
I absolutely love having USAA for auto insurance. They are very military friendly and I have had nothing but great customer service. They have very competitive rates and go above and beyond to help in any way they can. I love being able to split my payments between paychecks. This feature helps my family out so much. I would recommend USAA a hundred times over.
Reviewed Nov. 13, 2015
USAA provides the best rates and has excellent customer service. They also have products other than auto insurance that I utilize. They have excellent communication and make sure that my policy has the coverage that I need and is up to date. I also like that I have the option to pay my policy fees over 6 months, 4 months or as one payment. I always feel like they have my best interest in mind when I contact them and vice versa.
Reviewed Nov. 13, 2015
I have been with USAA for over 15 years and I have had nothing but great service with them. They make everything easy and they are always ready to help or explain anything. Their customer service is great. I have always spoke to a real human being and not a machine.
Reviewed Nov. 13, 2015
It is very satisfied, because it does a great jobs on letting you pick out you need. And they don't give or offer you something that you can't use. In a long run it's good and what you can afford. They offer good value with custom service, and try to answer all your question.
Reviewed Nov. 13, 2015
We have a good rate and have never had any issues with our insurance. We have heard nothing but good things from close friends and family about their USAA auto insurance and we have used and loved all of the USAA services. We'll be customers for life.
Reviewed Nov. 13, 2015
USAA offers great insurance! I have never had a problem with them and any time I have needed assistance they have gone above and beyond to assist me! Their customer service is excellent!!
Reviewed Nov. 12, 2015
I have never had any problems with USAA. They always provide quick feedback. Their customer service representatives are always very helpful. The rates are reasonable for the great coverage. If I ever have any problems with anything I know that the issue will be resolved quickly. If my car breaks down, they provide a tow service and help me find temporary transportation.
Reviewed Nov. 12, 2015
USAA has been in my family since my father joined the military. One problem I had was the fact that I was young gave them a reason to bump up insurance rates for my mother, which caused her stress. I'm not as mad as I was then, but I am a little disappointed.
Reviewed Nov. 12, 2015
They were my husband's auto insurance and it was very simple to add me to his account when we got married. Plus, they were better than my old insurance company because they sent us our insurance cards early.
Reviewed Nov. 12, 2015
USAA has been my partner for many years. They have always gone the extra mile to ensure I have great service and that all my needs are taken care of. They have also been very good in making sure that I am getting all the discounts that I am entitled to. They also take great care in using my rank when addressing me, regardless of the method of communication. Generally, I am greatly pleased with USAA and plan to stay with them indefinitely.
Reviewed Nov. 12, 2015
We have never had an issue with USAA and have found their rates extremely competitive. Customer service is an amazing experience and we have always had our coverage reevaluated each year. In addition, USAA also offers dividends biannually which may be applied directly towards car insurance payments.
Reviewed Nov. 12, 2015
Great customer service, knowledgeable, will work with you. No double talk, willing to stay on the phone with you until you are satisfied. Will give you all kinds of different quotes, not looking to get rich but wants you to be happy with what you are looking for.
Reviewed Nov. 12, 2015
As a veteran, many companies are out there for us. Not all deliver excellent products and services. However, USAA does. Since I have switched my car insurance, everything has been great. I am completely satisfied and the rate was lower than my last company. I am in the process of switching over other insurance policies and financial products as well.
Reviewed Nov. 12, 2015
USAA has very helpful customer service. Insurance is convenient with them, particularly if you do all your banking with them. The coverage for the price is very reasonable and competitive.
Reviewed Nov. 11, 2015
USAA is a great service. Not only do they provide me with home and auto insurance, they can help provide financial tips to get your finances right. If you're going through financial troubles, they have plenty of solutions to help you, so you do not have to lose coverage, and are absolutely there when you need them. Whether it be in the middle of the night or day.
Reviewed Nov. 11, 2015
The best insurance I have ever had. Very prompt when filing a claim. Very friendly and helpful. They have the best deductible options. I personally chose the $100. They explain each and every section on your plan. Bodily harm/death/collision/rental and so on. You can choose to pay the whole 6 months at once. Pay monthly or an extended pay. By far the best insurance around.
Reviewed Nov. 11, 2015
Great customer service. I am never on hold too long and they handle more than auto insurance. Their rates are fantastic. They are super knowledgeable and extremely nice. I am fortunate to be able to have USAA as my insurance because of my father retired from the Navy.
Reviewed Nov. 11, 2015
Great insurance company. The best I have ever had. Great rates, exceptional customer service. Also have renters insurance with USAA and when my power went out, they sent me $200 to cover lost groceries.
Reviewed Nov. 11, 2015
I love my auto insurance, good rates and just good to me... no hassle whatsoever and I would definitely recommend USAA. Ever since I had USAA I have never had any complaints or problems with them.
Reviewed Nov. 11, 2015
I have never been in an accident so I have not had to actually use the services associated. But, I couldn't find any cheaper insurance anywhere. So, the price is right. Everything I have heard is that if you have to use it, the customer service is very highly regarded. It is really easily to see all the options and pick and choose what coverages you want on the website. For simple things like checking your balance or making a payment, you can use the mobile app as well.
Reviewed Nov. 11, 2015
Great company to do business with. We have been with them for 10 plus years and never have we had an issues. If something was wrong they were always there to help fix it as fast as possible. The insurance rates cannot be beat. USAA has the best price anyone can ask for.
Reviewed Nov. 10, 2015
My experience has been good. I've only had to file a claim once for any auto accident and the whole process went smoothly without a hitch. They also have one of the lowest monthly premiums I can find.
Reviewed Nov. 10, 2015
They have very reasonable insurance rates. When I got into an accident last winter. They were very helpful in getting us a rental car. They also did a great job of processing my claim quickly. The best part was the accident forgiveness that kept my rates low.
Reviewed Nov. 10, 2015
We hate writing negative reviews but USAA insurance totally deserved it. We are a claimant for an accident USAA took full liability. We have spoken to adjuster Sheena ** from California office. At the beginning she was helpful and offered us a rent a car and additional insurance and cost of gas included up to $50 a day. We went to Enterprise to rent the car and they declined additional insurance and the gas coverage after they have spoken to same person Sheena **. We called USAA to speak to her manager Emily **. The customer service representative Austin was very rude and rejected to connect us to any manager.
We kindly asked Emily ** call us back and help in our problem. Nobody called for a long time. Then we received a message from Lilian ** (Last name was not left) who didn't even mention she is a claim manager in USSA. She told in her message that USAA sent us a letter explaining they don't accept any extra rent a car coverage what Sheena ** promised us. We never received any letter from USAA so far. She also advised us to call Sheena if we have question. We have called Sheena and left 3 messages, she didn't return any of them. I am a steno typist, I recorded the whole conversation with Sheena which is totally legal according to law, when she promised us the extra coverage.
If USAA wants to keep their reputation in this very competitive market, they should already fire Sheena **, customer representative Austin and Lilian because of their dishonesty and misrepresenting of their company. We can even do that by ourselves by filing a lawsuit against USAA, but they are not worth to lose time and energy.
We believe and hope Mr. Josue Robles Jr. - Executive Vice President, Chief Financial Officer and Corporate Treasurer, gives us a courtesy call, apologize and compensate our loss.
Reviewed Nov. 10, 2015
After nearly 50 years with this insurer, they are almost paying us to use their insurance. We have them for auto, home, and liability insurance; a bank account; and a debit card and are very happy with all of these services.
Reviewed Nov. 10, 2015
I have really great coverage for a great price. I've never had any issues and they are always really helpful and pleasant. I do not planning on switching insurance companies anytime soon and would recommend them to anyone that asked for my opinion on car insurance.
Reviewed Nov. 10, 2015
USAA is easy to use with a well thought out website and quick responding customer service. We've experienced losses in the past and had a smooth experience through the claims process.
Reviewed Nov. 10, 2015
They are routinely accommodating and available to answer questions at all times. Fast claim response with fair treatment and do not raise rates as often or for the same reasons as other companies.
Reviewed Nov. 9, 2015
I've never filed a claim but appreciated that when we were out of work they didn't drop us immediately. They gave us time to get back on our feet. Their prices are affordable and the big deposit that most companies require does not apply to USAA.
Reviewed Nov. 9, 2015
USAA's customer service is amazing. You can always get a hold of customer service agent to help out with a claim. They are very helpful and provide you with all the information you need.
Reviewed Nov. 9, 2015
They provide good service and good rates. I think they are one of the best insurance providers in the country. I would highly recommend them to people I know. I have been with them for over forty years and have never had any problems.
Reviewed Nov. 9, 2015
Very helpful customer service; affordable prices for good coverage; the company works with you to find as many discounts as you can get. At the end of many years (in December), we receive a refund check from USAA. They are an honest company who you can trust.
Reviewed Nov. 9, 2015
Their Prices are good and customer service is quick and easy to deal with. I have never had an issue with them and have had to file several claims. I crashed my car a few years ago and was able to get it fixed with no problem and even got a rental car for free while it was being fixed.
Reviewed Nov. 8, 2015
USAA has been easy to work with. Seems to be fair with their prices. I will say that they seem to offer better deals to more mature drivers. Our adult children have checked their rates and found them too expensive.
Reviewed Nov. 8, 2015
We were very happy with USAA, their service was fantastic! The only reason we switched to Farm Bureau was because we got a better price for our home and autos combined with them. Even canceling our policy was a pleasant experience. I highly recommend USAA.
Reviewed Nov. 8, 2015
They have been very helpful being a military family that moves around a lot. They make sure that the auto insurance is more than enough coverage for our loans and that everyone is covered.
Reviewed Nov. 8, 2015
We have not had any problems with USAA, or have ever needed to contact them because of an accident. They are the least expensive of all the other auto insurance companies, and you can bundle house insurance with the auto insurance as well.
Reviewed Nov. 8, 2015
Love my auto insurance company so much, we used them for everything. Customer service is always super friendly & helpful. Policies are also very affordable & don't have hidden costs or raise over time. We've been with USAA for almost 2 years & have had no issues so far & plan to stay with them.
Reviewed Nov. 7, 2015
Very affordable and reliable. USAA Auto Insurance was an easy to use company. Their ability to have manageable rates for someone of my age was very appealing and I knew I could trust. I was also able to get other services from them such as a checking and savings account. I would recommend all military members to apply.
Reviewed Nov. 7, 2015
USAA is a great company. Their rates are affordable, and their customer service is always amazing. Whenever we have a question or want to change our coverage we can call any time of day and speak to someone who is very nice, has all the answers and is very informative.
USAA Car Insurance Company Information
- Company Name:
- USAA
- Website:
- www.usaa.com
