USAA Car Insurance Reviews

Just received the 6 months renewal notice only to find out that the insurance jumped by 18%. USAA claims the increase is due more accidents due to cheaper gas and more people on the road, higher repair costs and higher medical costs!!! So, in 6 months we will be looking at yet another increase for sure - thanks USAA! We have been members for 37 years, had only 3 claims - not our fault - and we have clean driving records! We drive less than 5000 miles a year with 3 cars and are being punished for more drivers on the road etc????

I used to love USAA, their banking, insurance, everything. But I noticed over the years the insurance has steadily been increasing. It's practically a car note in itself for just two cars. Plus you can no longer make adjustments to premiums online (to make it less expensive). You have to call and they practically pressure you into more expensive coverage. So we switched to Progressive which was less than half the cost. I called USAA to cancel my policy and the guy would not take no for an answer, was very rude and practically called me a liar when I said I had tried other ways to make it less expensive (like put the policy in my husband's name). He refused to cancel my policy until I got so upset I yelled at him.

USAA fraudulently advertises, misrepresented insurance coverage and claims settlement procedures, policies, launches personal attacks on victim already suffering substantial and irreparable harm; adding not only insults to injury; violates civil rights of victim insured. Disrespectful, discriminatory, biased, prejudiced, took side of fraudulent violator, in collusion, complicit, abusive, violation of my civil rights, claim diminished to suit their narrative. Went so far as to make payment in my maiden name stating that is my real name. That I do not qualify for their insurance. My grandfather WWII veteran fought, injured Dunkirk France, my father military service, my brother Vietnam military service, violator and abuser's brother in law closest military service. Go figure. Not credible or reputable, no integrity, lacks honor, outrageous, egregious; actionable to attack, support, and defend victimizer.

I talked to 5 agents at different times. On the 4th time I called I asked if I can to the immediate supervisor. I cannot AFFORD TO WASTE any more time. She won't do it until I explain to her my issues from the beginning again. And she said that's the company policy. There is a month late fee that none of the representatives can be able to justify. It's not about the money is the principle. Because a couple of months ago they made a mistake of charging my account a late fee. And right after I called them they admitted their mistake they waived that late fee. Month of August 2017 they charged me a late fee again. And every time I called I have a copy of my auto insurance documentations and my observations. They don't have a full understanding what's written on the documentation. In other words they are really confused. The fifth representative his name is Jason.

I submitted a claim because a prior windshield replacement had started to leak. Seems to be a common occurrence with super duty Ford pickups (Start date July 16 2016). Contracted insurance adjuster comes out, does his initial appraisal of damage and assures me it is a piece of cake repair, no problems. I'll keep you informed 100% of the way (lie #1). Take it to Prime Collision in Saco Maine (avoid this place like the plague).

I was hit by another USAA customer on my way to work. The other person was 100% at fault. My wheel was damaged on the accident and the field appraiser thought it was a good idea to fix the wheel instead of getting a new one. I wasn't happy with the final job on the wheel. The field appraiser never inspected the wheel after it was repaired. I called him several times and left voicemail and he never got back to me. I notified USAA that I wasn't happy with the wheel and they said that my wheel won't be replaced because the field appraiser said the wheel was fine. I asked to talk to a manager two different times and they told me a manager would be calling me and that never happened. They don't really care about the customers, they just want the money. STAY AWAY FROM USAA.

My Jeep was hit by a USAA policy holder who was cited at the accident with fault. USAA was very helpful in the beginning, they told me not to contact State Farm (My Carrier) since their client was at fault and they would handle my claim. The collision center stated 4000 dollar repair estimate prior to inspection. They sent me that check quickly. All was well until the collision center increased the total claim to 9000.00 the next week after tearing down my front bumper and finding more damage, and again USAA agreed to cover. Parts were ordered, repair was about to start. Collision center called me upset that they had just found out that USAA had totaled my vehicle. I was not informed of this. I contacted total loss dept at USAA.

I have been a USAA member for 21 years. I was satisfied with them until 2 days ago when I received my auto insurance bill. I bought a new vehicle in July 2017. I called from the dealership to delete my 2012 Ford Explorer and add my 2017 Mazda CX-5. The representative told me I was lucky because my auto insurance premium was only going to increase by a few dollars. When I received my 6-month renewal bill it had increased by $175. I called USAA and asked them why they increased my premium by such a large amount. I was told: (1) because you bought a new vehicle, (2) because they discovered concerning safety issues with my new car, and (3) that they were increasing Florida motorists rates across the board to pay for past and future claims.

I have been with USAA for more than 40 years and have never had any of the problems above. Whether I was in Arizona, Georgia, Germany, Kansas or Utah, from a T-top that blew up, a 2 thefts, and a total, the company has always been on my side. I never had to wait for a rental, and they basically took care of everything at body shops, towing, and every other possible concern was made easy. All I can say is thank you, and I will continue be a lifelong customer. By the way, I've never left a review before. The complaints are so different from all my experiences, that I hardly know what to say.

I can't say enough positive things about USAA and the service is outstanding. The rates are far better than any of the main insurance companies and I saved so much money even with increasing my coverage.

After reporting the accident USAA took care of everything else. They have always beat the cost of other insurance companies. They are always available to help us and have a great team of people all around the country. I am so positive about the service and benefits of USAA we do all our banking with them and have all our insurance with them. All of our children are also well invested in USAA. In fact we have one daughter who works for them. I have also told many of our friends about the advantages of USAA.

USAA the insurance company is responsive but with attitudes. They are very good in providing quick, professional service. It is when you have to deal with USAA bank that any experience becomes regretful as they willfully and maliciously seek to take advantage of you. The insurance company and the bank work from two different focus points.

I've had ONLY positive experiences with USAA. The people that work for USAA are highly trained, knowledgeable, professional and compassionate! The quality of USAA insurance coverage, their VERY competitive rates and their quick & caring response time, are just a few positive reasons USAA has the stellar reputation among people in the insurance industry and why their customers love them so much and stay with them FOREVER! My claims were settled quickly and fairly.

My Range Rover got hit back in April 25, 2017 here in Hawaii (Camp Smith). It's Aug 2017 and my Range Rover still isn't fix yet. It took them three months before they decide to send my Range Rover to Oakland, CA to get fix. But they could had got it fix here on the Big Island. My vehicle had been ship on the 8 Jul 2017 and USAA just now picking my vehicle you to get it fix. But at the same time I still have to pay for a rental car for another month or two. So USAA do paid for claim that fast as one person that do. I'm still waiting on the Director of claim or someone that is over claim. PLEASE help me with this issues.

For 40 years USAA has been there for me and my family. They are easy to deal with, always quick to respond and do great follow up work. Claim filed by phone. Their web site is easy to use and have never had a problem using it.

On June 28th of this year, my car got broken into and 2 high end purses and one wallet were stolen. I called the police then called to make a claim. The next day, a investigator came out, and from the time she walked into my home, she was very rude and passive, aggressively insinuating that I wasn't being honest about my things being stolen. I sent her photos of the items showing proof of ownership, I have receipts, and she even called my best friend who verified to her that I owned those items. She tried to call my husband and insinuate that I was lying, and he has severe PTSD and his memory isn't great at all, which has been discussed with her. She tried to threaten us with legal action because in a previous claim, another wallet was stolen, but it was a different brand, which is stated on the police report.

Well on July 11, 2017 my husband and I were just riding down the road and the 18yr old girl pulled out on to the road we were traveling, hit us in the passenger side. She never hit the brakes, just pushed our truck til it was sideways in the road, we thought she was going to leave the scene of the accident but she pulled over on the side of the road. Well she admitted fault and received a ticket for failing to yield right of way, the officer said just take the accident report to our insurance agent the next day. Well we did that and oh my god we have been through Hell with USAA ever since.

We have been with USAA since 1984. I had several other insurance companies and none were as good. They care about me! When I made a claim it was quick and no problems. Their people are always professional and want to make me feel good. Their TV ads tell it like it really is. They care and always ask if they can do anything else.

On July 9 2017 my daughter in law came home from work after picking up the kids from my house. She parked the car on the street near her apartment and went inside. Then someone rang her doorbell. By the time she got to the door the person was gone and she seen her car had been hit. Then the police came - the person that hit her car called the police. They made a police report. She said she hit the car (my daughter In laws car). The lady gave the police officer all of her information and the police officer gave her a ticket for hitting a parked car. After my daughter in law got the police report she called the USAA car insurance to get her car fixed. They said they were investigating it.

I had a car accident and the driver of the other car is a member with USAA. It is being a month since the accident and they keep telling me that they cannot proceed with the fixing of my car. I call Connie ** every single day since the day of the accident and she simply does not answer her phone or get back to my phone calls. This adjuster is not even willing to do her job! She is always out of the office and/or never answers her phone. When is my car going to get fixed USAA?

Let’s start off with this my 2nd hail claim. Back in April 2017 there was a hail storm in Colorado, my 2014 Kia Soul got hit hard by the hail. I made the 2nd claim to USAA insurance for the hail. According to the first claim I'm in the 4k range and on the 2nd claim only 1k of damage! So I was confused I pulled the pdf files from both and did you know somehow the damaged improved from one another.

I bought a used Mercedes in November 2016. I was rear-ended in December 2016. There was almost $10k in damages. I filed a diminished value claim and was offered $300 for the diminished value of my car. This was of course ludicrous. I was advised to get an appraisal. I spent $280 for an appraisal from a reputable company. The appraisal came in at $4500. I sent this to USAA who still refuses to give me any more than $300. I asked to speak to someone other than adjuster and they would not provide me anyone's number. They said no one else could speak to me.

USAA is probably the worst company that I have ever had the displeasure of doing business with. On June the 19th a USAA member as they like to call them, hit my Expedition totaling it. A claim was made and it only took them a week to return any calls and get me into a rental car. They only called me two times since. They stopped paying for the rental car and now I am walking everywhere. Still no solution to my problem... What am I going to do for a car... They are unconcerned, uncaring. Their member caused the accident. However he drove away as mine was towed... PRAY that not you or a loved ones gets into an accident with a USAA member... They will screw you over.

My daughter was involved in a car accident which another driver failed to stop on 4/21/17. I contacted the insurance company immediately and the process was started. It was determined for the repair company that my vehicle be totaled. I was informed on 4/26/17 from USAA that since this accident wasn't our fault the deductible would be waived. They paid us the payoff amount minus the deductible, stating they needed report from police department. I have called several months to USAA insurance company telling me they are waiting for the police report. I have contacted the local police department and I have been told several times they released the report on the 27th of April.

This is the worst insurance company I have ever dealt with. They never return your calls or follow up. All they care about is their bottom line and want to payout as little as possible to repair your car. I would never trust the work of their preferred dealer. Their estimate did not even include all the damages that were done to my vehicle. Gerber Collision on Cleveland Ave. Columbus OH. I was under the assumption I had to get my car repaired by them. This is a very dishonest company and I hope I never have to deal with them again.

We had USAA as a young military couple because that is what everyone recommends. Our car was stolen one night from a parking lot. The rep asked us leading questions to try to get us to imply we had been involved in the theft (fraud) and then asked if we had left keys in the car (which I later learned while studying for my insurance license doesn't matter anyway). Long story short, after several calls making us feel like the criminals our car was paid for but our renewal bill came back with over double the premium and the only payment option being to pay the yearly premium in full. Needless to say we switched companies and have never considered going back. I have heard a lot of similar situations as an agent where USAA will find a way to blame policy holders of trying to commit fraud to deny claims and then canceling policies altogether.

I had been with USAA for 4 years. No tickets, no accidents and no claims. I miss make a payment online and they cancelled me for one day and started me with a new policy twice the amount I was paying before and during the 4 years I was with them my insurance premium went up every 6 mos. I'm retired military and I thought that USAA took care of the military personnel needs. It looks to me that they take care of their in need off the backs of the soldiers that have served their country. I would truly look into how things are being managed and operated with them after 4 years. I'm with an non-military affiliated ins that is much cheaper and more to cover for my hard earned money. I'm out.

I recently started shopping for insurance. I am currently with State Farm (wonderful company by the way) but wanted to explore my options. I insure five vehicles, a house, and a travel trailer. I called USAA and their prices are exorbitant! Almost twice as much as State Farm. I was hesitant to even consider USAA due to what I witnessed my parents go through when one of their insured caused a rear end collision. They (USAA) were extremely rude, fairly non-responsive, and treated my folks as though they had done something wrong. However, at the time, I thought they were just fighting for the best interests of their client. Well, after reading all of the reviews on this site, I would surmise they treat their own clients the same way. I am SO glad they were prohibitively expensive. Saved me from making the same mistake so many others have!

Well after having my policy at full replacement 2 years ago the Sneaky little shmucks downgraded the policy to 80% coverage on hail and at not replacement cost but depreciated value. Of course they didn't tell me second time this has happened. Then they're arguing about not replacing window windows for god's sake. We've been with this company for 30 years but totally disgusted with their service now... They're heartless. They should stick with autos insurance because they're no good at home owners' policies. 28000 in damages and they're paying 6000? Really. 30 years. Guess I'll talk to every military family I know to drop them.

USAA is extremely dishonest. I was in a car accident, in which it was clear that it was the other person's fault, since all the evidence and witnesses point to her. Her insurance company was USAA and when we called them all of the workers there were very rude and tried to put the blame on me for the accident. They haven't resolved the problem in a while, even though it was clearly her fault and USAA should be paying. They are very misleading, dishonest and disloyal and I would never recommend this insurance company to anyone.

I am writing this review because a USAA member hit my son's car and totaled it. They gave the lowest price possible for the Total Loss of his car (a couple of thousand below Kelly Blue Book). They would only allow 3 days for a rental and would not reimburse for my son getting to work using Uber. Allow would not allow anything extra for the inconvenience. Their member running in the back of my son's car because her cat scratched her. Her cat should have been restrained on the car. The absolute worse insurance company I have ever had to deal with. They keep their members rates so low because they are the WORST ever!!! Never want to deal with them ever again!

I had a foul up at my bank and one of my auto drafts didn't go through so USAA didn't take out the following two payments either... I had to pay over 1000 to bring it current. I was reassured my payments would be auto drafted again. They never were and when I realized they weren't I called and had already been dropped. They wanted me to pay past due plus the next six months in advance due to me missing payments (that they assured me would be taken out) that total would have been $7200. Needless to say I'm with Geico now.

USAA is a lousy, dishonest, and garbage company. My wife and I had home and auto insurance with USAA for 34 years (we first purchased the insurance when I was in the Marine Corps). Eighteen months ago, we suffered our first liability loss when the water heater in our residential condo burst and caused water damage to the two units below us. Total damage was about $13,500. USAA never disputed that our homeowners' policy covered the water damage, but the adjusters kept looking for every excuse not to pay the claim. This forced my wife and me to pay for the repairs ourselves. It was only after my wife and I threatened to sue USAA did USAA's lawyers confirm that their adjusters were 100% wrong and my wife and I were 100% right. We were ultimately reimbursed by USAA, but it took a full year!

A USAA customer caused a rear end collision to a stopped car at a red light at night and was cited for failure to keep assured clear distance. The stopped car had working headlights and rear tail lights as well as the red light was red. USAA failed in over thirty day's to settle claim and has tried to place 20% responsibility on the driver of the stopped car. They also would not provide a replacement rental car.

My wife was in an accident. The person that hit her ran a red light. The front of my wife's new RX350 had 18,000 dollars worth of damage. USAA Auto Insurance sent their representative to the body shop and three weeks later we picked up my wife's car. They took care of all the details of the repair and gave us great support to fix my wife's vehicle. They handled everything from the rental car and I did not have to give them 1000 dollars for my deductible. It was an excellent experience.

I have been a customer of USAA for more than ten (10) years and I would not ask for a better car insurance company. From their very caring people, to their quick service in every aspect needed from an insurance company. I have tried to find another insurance company that could be cheaper, due to my financial strain. I had found in each occasion that I already have the best insurance, in price and service. I have compared prices with other major companies. Their customer service is one of a kind and I know I didn't get lucky one time and got their best customer service person. Every time I have reach out to them I get a very kind and understandable voice on the other end.

You simply cannot find better service and pricing; I have researched it. If you are fortunate enough to qualify for membership USAA is foremost your best choice; I have been with them for over 60 years!! Claim was years ago; action was courteous and fast with no problems.

USAA Auto Insurance is the best insurance company I have had. Their price is right and customer service is 100% awesome. It's very easy filing a claim. You call the claim department, send picture and police report, and what ever they need they take rest, check deposit in your account or go to their shop, and get car fix.

If you are affiliated with the military, this should be your only option for insurance. USAA Auto Insurance is easy to conduct business with. One phone call and representative provided. They are helpful and consumer oriented. They have good pricing and unbiased customer service.

I was lured in with great rates by combining home and auto. I have paid for renter’s insurance for years with no claims. Never had a ticket or accident in my life but I filed a burglary claim and they punished me, they raised even my auto rates. Never let the insurance company replace your stuff for you. They will rip you off. I left them.

I am the daughter of a Marine Corps veteran. My father enrolled all his children in USAA telling us it is the best insurance co. and I agree from my experiences with them. Lucky to say haven't needed their services much, as far as accidents, yet the rates I pay are very low in comparison to other insurance companies. I plan to take out a renters policy soon and to also get financial advice for a 401K I have in a past employer. I have also always had great customer service with good and helpful advice! Filing a claim takes a simple phone call and interview. Received a call the next day with assessment. Would gladly recommend USAA to anyone who needs insurance!

They have been loyal to us. I had a period of illness and had 3 major auto claims within 2 years and I had no increase and no penalties. We enjoy even the little things, being addressed as "Cmdr. **." More than that we feel the mutual respect and loyalty. We have had no other auto insurance for 50 years. I am totally satisfied and we will remain for life.

When I was recently hit by a driver carrying USAA Auto Insurance I was optimistic that my experience would be okay since I had heard positive feedback about their customer service. Boy, was I wrong to assume any insurance company would act with morality! The estimate department misplaced my estimate from the preferred provider they insisted I use, then wouldn't accept it for a $60 disposal cost.

I had a car accident in another state. I called USAA and they immediately sent me a tow. Then a rep called me to see what else I needed and walked me through the process. They got me a car that I could pick up the very next day. Most of the plans were complete before I left the accident scene. I had very few plans to make and the majority of the cost was covered. They are very good and quick at responding to your needs and ensuring the job is done completely. They don't make you make dozens of other calls and you are usually assigned someone so that you have a warm body to call if you have questions. I have had them for over 30 years and would never voluntarily change. I have also had other insurance companies and have not been so impressed.

I called USAA Auto Insurance, uploaded pictures, they referred me to a place for repair & they handled the rest. I paid deductible upfront and because the accident was not my fault, it was reimbursed. The customer service is wonderful and because of the ease in resolving problems, I do not think of looking elsewhere for insurance.

Called USAA Auto Insurance and they quickly sent out an adjustment. I would never change! They are great and have always treated us great! They also put some of their profits in a saving account for the members.

USAA Auto Insurance has good customer service and they have rebates issued based on how claims were against payments. I called and made the claim for an accident with my vehicle. I was in the military at the time, overseas in France. They sent a representative to examine the damage, processed the claim quickly, assisted me in finding a repair shop and issued a check within days. All of their representatives are courteous, polite and knowledgeable. They respond quickly and are available when you need them. I have never had any problem with them processing a claim and their rates are more than competitive. Their website is always available and can help you with information about your account(s). I use USAA for credit cards, mortgages and investments. I have been totally satisfied with all of my dealings with this company.

USAA Auto Insurance has great rates, fabulous service and is always available. How can you go wrong with a company that services our military?! They are constantly doing things to make it better and better and always a year end bonus. What's not to love!?

They are not the cheapest around... but good service. Quick response to any question. No problems when more damage was found after they made a payment to claim. Overall, it was a good experience.

We've been insured by USAA and have heard horror stories from future sons-in-law and friends. We got our sons-in-law into USAA and THEY LOVE IT! LOW prices AND great service. I hit a deer on dark night and called the minute we got home (10 pm). The lady at USAA was so very kind and asked first if we were OK! She then told me where to take the car next day and said if anything wasn't correctly fixed to let them know and they'd make sure it was fixed to our satisfaction! THEY DID! NO RATE INCREASE! I would recommend this company to anyone who needs car insurance!

Claims are easy to do online or over the phone. Agents go above and beyond to expedite, stay in touch and ensure you are happy with the result. USAA Auto is not the cheapest but always the best. They have always been excellent and responsive. I won't consider going with another insurance provider based on over thirty years of exceptional service.

I am officially done with them! Last week, my car got broken into and they stole my wallet and two purses from a piece of luggage that I had in my car to leave for a trip DURING the DAY! I called the cops, they told me to file a report online and call USAA which I did. USAA said that they needed to "investigate" because my car got broken into before (my neighborhood has easy access from the street and I'm locked into a lease which I cannot pay to get out of) and they sent a horrible lady named Sandra who upon meeting me, asked me very personal questions about my marriage, how many high-end luxury bags I "really own", demanded a picture of my ring that my grandmother gave me that I was wearing, asked if it was real and not fake, and made me feel even more violated than I already felt. She made it assume as if I couldn't afford high-end items.

We had an accident, not our fault, and the person who hit us also had USAA. Not having had an accident of any kind in over 30 years, I really didn't know what to do. Fortunately the other driver was upstanding and notified them of the accident and his responsibility. USAA promptly contacted us, put us in contact with an excellent repair shop and took care of all of the details. Having lived all over this country and having been struck by impaired drivers more than once over the years, this is the first time we actually felt we had an insurance company in our corner. Their fast, efficient customer service took all the worry out of a minor accident that could have caused major stress in our lives. They have proven to be reliable and trustworthy, having our best interest as priority one. We now feel that we are sufficiently covered to take on the dangers of Austin highways, and have confidence in the company where we have handling our insurance.

USAA Auto Insurance is always professional and expedient. Been with them for 35 years and intend to continue. Filing a claim was fast and thorough, with a great network of service affiliates and they are more than fair in settling. The USAA customer base is almost exclusively military and they cater to the specific needs of that group. This keeps rates reasonable and service top notch.

I have been with USAA for over 40 years. I have filed several claims over the years and have found them to be quick and knowledgeable. They are responsive to any and all situations and worry about the driver of the vehicle. Their caring and follow up was beyond reproach. This is an outstanding company.

There was no comparison to the rates and the incredible people that work for USAA. I feel like USAA is my friend. I absolutely love them. Everybody I've ever spoken to on the phone has been amazing. Anything in writing, anything via email. Extremely quick, knowledgeable, and efficient. I have absolutely no complaints.

USAA Auto Insurance has had a fantastic rep for years, many generational customers and good reputation. USAA can't be beat. We have our home and auto, both great policies.

I have had insurance with USAA for 40 years and it is a great company for insurance and other services. They are always responsive. Filing a claim is quick and painless. I was able to do it online with the app.

I have been treated very rude by customer service. I ask why my insurance went up when our cars are older & our records are still perfect. It was explained in a rude manner that it had nothing to do with me, it was the state I live in & the overall records of the majority. I think insurance should be based on you!!! Not the neighbor who was irresponsible.

USAA handles the paperwork and will assist so to minimize your time with the accident. They also will listen to any suggestions and recommendations relevant to the reporting and repairs. With them, the insurance premium is very reasonable without a doubt to include family members. When filing a claim, a rep will contact you by email following a call to USAA. You usually complete an insurance form explaining the accident or follow up with the police accident report sending paperwork to POC at USAA. Insurance will direct you to a auto repair for an estimate. You may also take a photo of the damage and email to USAA which can bypass the paperwork. Insurance agent will contact you within 4-5 days for details on outcome and repairs to be done.

The best insurance company I have ever dealt with. Customer service is very friendly, caring, and I never have any problems filing claims. If I have questions or concerns they are addressed very quickly. I filed online, the adjuster came in 2 days for a estimate and my car was in the shop the next day for repairs. It was fast and easy. USAA took care of everything. I will do business with them for as long as they let me. My children are now insured through USAA and they are just as pleased as I am!

After 61 years of membership I think this is the best, not a single complaint. They’re professional, knowledgeable and efficient. Called rep for claim, they took information and responded quickly and professionally. Check came by mail, no hassle.

There have been times when I tried getting other military families to join USAA Auto Insurance and USAA customer service was “not” too friendly or pro ex-military. I was hurt for my mother and embarrassed for non-family individuals. Also, insurance could be a little lesser. But overall USAA auto insurance has been great to my daughter and me. I was extremely pleased to discover they actually saved my daughter ~$100 a month. Considering on second thought that my BMW OEM auto insurance policy is $0-$50 deductible, my monthly installments are reasonable and within my budget. When I filed a claim, my BMW windshield was totally replaced. But when I discovered it wasn't OEM like I had, I contacted USAA and they explained what happened and corrected everything e.g., different policy type and my OEM windshield. They followed up to ensure so I was a happy satisfied USAA customer.

There are so many choices in life, it is hard to know what is the right one. When you have a company like USAA to rely on, it takes away that undercurrent of fear that you made a poor choice but you don't know why or what is better. The process of filing a claim is clear, fast, and uncomplicated. USAA is trustworthy and feels like it protects its customers. It feels like a privilege to have it as my insurance company.

USAA responds to any query immediately. The representatives are very polite and courteous and always address me by name. When other companies offer a quote and find that I'm with USAA, they won't even waste their time. They know they cannot do better. I've been a USAA customer for over 40 years and have yet to find any other company that can match rates or service, even in high population areas.

Too many bad experiences and they low ball you on a total loss. We had hail damage and USAA uses CCC for total loss. We could not come close to replacing our low mileage car. USAA was non-responsive to a member who was with them for 55 years. They are cheap.

I was hit by a drunk driver with USAA Insurance over a week ago. I have called USAA and they are both rude and unhelpful. I was told by a USAA claims representative to file the claim with my insurance and they would deal with them. That costs me a deductible. When I tried to explain that to the USAA representative, no raised voice, no curse words, just plain calm English I was hung up on. I called back for a supervisor and was told there were no computers and the supervisors could not help me so when they got computers back they would call me. NO HELP. For your own benefit, STAY AWAY FROM THIS COMPANY. What horrible service. No help at all.

My husband was in the military and he was a CAR MAN. He said don't ever change insurance companies - you will never deal with such compassionate customer service such as USAA Auto Insurance - he has been gone 11 years and was 100% correct. You might save a few dollars elsewhere, but the ease and efficiency far outweigh any differences. When an elderly man hit my open car door and even though I felt he was at fault, they paid his claim for damage to HIS car, however my premiums were not affected. So if you have the opportunity of being part of the USAA group, don't miss it.

I have been with USAA for over 30 years and have never been displeased in any fashion. One can always expect a prompt and courteous reply to any question. It’s an excellent company.

I have been with USAA for 20+ years. The way USAA cares for their customers rank above any of their competitors. Just knowing if anything happens to me or my loved ones USAA is there for me and handles it all. Which means less stress and more time with my kids and husband. I called USAA right after an accident and while I was on the phone with them they had already arranged for me a rental car. They handled everything and all I had to do was make the claim. Exceptional customer service! I would like to have lower rates though but everything else is top notch!!

USAA just increased my rates by 12% (with no claims or accidents). Corporate policy is to sabotage your record to keep your rates high. USAA Roadside Assistance consistently does NOT showing up or refusing the simplest service of changing a tire. USAA told me personally their contract states they pay all roadside contractors (and file a claims report against your vehicle) REGARDLESS if any service is performed. The USAA representative told me their CEO approves this practice. My insurance report is now tainted because of false C.L.U.E. filings.

The people at USAA Auto Insurance were very helpful and knowledgeable but too bad their rates are high. I was rear ended then I got three quotes and they paid me promptly on the one I chose.

I've been with them for over 20 years. They have always provided excellent service. I also carry renters insurance with them. 5 stars full circle.

I have moved a lot in the past few years and USAA has always moved with us from state to state. Customer service has helped with every change, always making sure the policy suits our needs. When my family went through financial issues, customer reps went above and beyond to adjust to our needs. I know that it may not be the cheapest but it is the most flexible for a moving family and military families.

My son was hit by an uninsured drunk driver while parked. I called USAA and the claims process was quick and easy. Paid within a week. USAA is a good insurance but very little tolerance if hard times cause your credit score to go down. Increased premiums when I was disabled due to my credit score. Also, more insurance recommended than I need. But every year of membership a check is received for subscriber savings account.

They are filled with customer service, compassion and kind. They treat you like a good friend. If something is wrong they correct and get back with you when they say they will. If they still don't have an answer, they call and advise, don't leave you hanging. Love that. Their rates are great and they are amazing to vets!

I have been insured by USAA for over 40 years. They have always been responsive, expeditious and communicative in all aspects of claims filing and insurance details. Call to the central number at time of the accident was followed by them walking me through the process. I have had three claims in the last 10 years. Each was handled professionally and expeditiously. They were of different types - hitting a deer, being hit by another car, parking lot accident.

I've had good experiences with USAA Auto Insurance. Even though I wasn't the one doing the filing against USAA, I was involved. My husband and I were hit coming out of our driveway in a rural area. USAA was the insurance provider for the person who hit us and whose car damaged ours. Our car was repaired right away, no delays and done to perfection. Right away we were changing from the insurance company we used then, because we wanted to have our home, already insured by USAA, and our car under the same good company.

Thankful that through my father's military service I was able to get USSA Insurance too. They're easy to communicate with and took care of all damages when I was in an accident in a timely manner. Rates reasonable and coverage great. Filing was quick and easy, and we received prompt response.

The auto insurance is direct from USAA, a lot of the other insurance products are "affiliated companies" which doesn't mean USAA levels of service or care. Their travel insurance almost killed my wife. With that being said, their Auto insurance is great but the other insurance not so great. Nevertheless, filing a claim was online, easy to provide details and well thought out process.

I have had this company for over years now. Their responses to our needs have been awesome with faster attention to details I hadn't even considered. The agents are always ready with answers any time I call. Their knowledge is reliable and sensible, even regarding what the other drivers' insurance requires of us/them. Efforts were made to meet my needs with speed. Financial needs met with no problems either and always polite. Our rates did not go up simply because of a claim. We even got checks when the company had a good quarter. Never disappointed and reassurance they are there for me.

I've been with USAA for over ten years and they've never let me down. Their rates are more than fair and I always feel secure in my decision to give them my business. We hit an animal one evening and did about $1500.00 in damage to our Tahoe. USAA reps worked quickly to file our claim to get our vehicle repaired and road ready. We had terrific service from the body repair shop and USAA reps were there every step of the way to answer any questions or concerns we had. Unless they were to fold, I don't think that I'd ever change insurance companies. They're so good in fact, when I met my husband and we married, I maintained my policy with USAA. He has kept his own from another company and often remarks at how amazed he is in the customer service I receive with USAA.

I love USAA and have received good service from them over the years. USAA is a great company for insurance! I love the ease of being able to handle my account online without having to always call customer service.

USAA brands itself as a friend of the military, but I have not found any exceptional value or benefits from this company. Once you have purchased their insurance there will be a barrage of emails encouraging you to open a checking or savings account with them. As insurance companies go, they are O.K. but nothing exceptional.

I have been a member/customer of USAA for 40 years and there is no better insurance company than them. Period! Their services have always been superlative, prompt, efficient, and professional!!

I have been a USAA customer for about 30 years. They have all of my personal and business insurance. They have the lowest insurance rates and best customer service. Claim processing is efficient. Assessor visits within 48 hours and submits his report within another day. Claim check for damages received within another week. Disputes handled quickly. USAA coordinates claim with other insurers for their customers.

USAA Auto Insurance is the most reputable & friendly company that I've ever dealt with! The company is for veterans & their family members. You are treated with honor & respect, and they actually care about their customers. Their customers are more important than their bottom line! They didn't care about my credit history or anything! I was given a great policy, at a low rate with no money down! I was able to pick my payment date too! I would recommend them to anyone who qualifies.

Representatives are knowledgeable thorough and efficient. Also, premiums are the lowest I can get because I have been a member for 50+ years. With subscriber's annual savings account distribution, my annual cost is almost free.

I been with USAA since 1975. It's a first rate company with outstanding customer service. I called the insurance company and respond very quickly with my claim. Easy. USAA is the best auto insurance company. If you are fortunate enough to be eligible to join USAA, you are in a group of insurers that enjoy the best there is in the auto insurance.

USAA Auto Insurance is not my insurance company. It is the company I filed a claim against. USAA does not know what their right hand or left hand is doing. One agent made a direct approval to a rental company for an extension of a rental. The rental company complied with the request of the insurance company and extended the rental. At the end of the rental period the insurance company denied that they made the extension approval and I was charged accordingly. They did not honor their responsibility and they are dishonest in their decisions.

This company has been our auto insurer for the past 31 years and has not failed me when needed. They stand above others. They’re quick with claims, courteous and very helpful.

The worst experience ever. I'm out of a car that still $10k and fully covered. Ricci **, claim advocate refuses to pay claim after 2 auto shops confirmed damage. It's 8 weeks and I'm out of $989.00 for paying EVERYTHING USAA requested. To top it off, Ricci ** requested an additional diagnostic at $179.00 and my car is at another shop. DO NOT DO BUSINESS WITH USAA. THEY LACK INTEGRITY!! They’re money hungry and use a bunch of legal jargon on their insurance policy to denounce coverage. I hate this company!!! I’ve lost altogether $11,000.

They are very good with their customer service, but unfortunately you're always dealing with a person by telephone and never person to person. However, this should cut down on service cost, but they could reduce cost more and go over your options with a little more information and service. Otherwise after 20 plus years, I can't be too dissatisfied. The claim process was quick and easy. They provided you with a list of automotive service for repair and the claims person is there to meet you. If you wish to have another opinion you have that option. They're reliable, friendly and available any time of the day. They have most of my family and a lot of my friends insured as well.

I have not been able to find another company where I can pay less for the same coverage as I do with USAA. The reps are always courteous and I never had to wait on the line more than a couple of minutes for answers.

USAA coverage is through Progressive Insurance. I haven't personally had a claim. But, I'm familiar with one person who has had a claim with Progressive (not USAA.) And, they felt they were treated well. I have called customer service with questions, and have been pleased with the lack of "hold" time, and courtesy of the personnel. Also, USAA allows for slightly lower premiums on vehicles that are driven only a few thousand miles per year. Auto insurance premiums increased under 7% from 2015 to 2016 and each year the policyholder is eligible for a small refund, based on the company's financial status. And, vehicles are eligible for accident forgiveness after 5 years. Premiums seem to be kept just low enough to discourage shopping coverage. Farm Bureau is the only company that I have found to be competitive. I have one problem with USAA. They don't offer motorcycle insurance. But, I cover the bike with Progressive Insurance through another company.

"USAA's mission is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community." USAA's mission statement is a sham. None of their products or services i.e. loans, CD's, insurance, etc. are competitive. Do your own market research. Don't just accept USAA's word based on their carefully cultivated military focused marketing strategy. Their mission is to sucker military personnel & their families into a blind cult-like following for the sole purpose of getting their hands into your pockets. There is nothing noble about USAA. On the contrary, they need to be exposed for taking advantage of their military members and their families.

This company used to be a reliable and supportive business to use as an insurer. As a daughter of a WWII combat veteran and as an Army veteran myself I simply cannot believe that this company and its culture refuses to return calls even at the CEO's level (IE Stewart Parker). They left one of our cars uninsured for six months without informing us, and did not give us a way to check this information online. Therefore, after over 43 years with USAA, I cancelled my policy. Turns out that other insurers have better customer service and better rates.

I have been a member since 2005 and I've had insurance since 2007. It's not common that I've had bad experiences, however, the bad ones really stuck with me. First, my car was totaled last year. The person at fault had an insurance company that was moving slow so I contacted USAA because I needed a rental ASAP so I could get back and forth to the doctor and chiropractor. They set up the rental and completed an appraisal quickly. Once that was done I get notified that I can only keep the rental for 7 days because that's what my policy says.

I have been a member of USAA banking and insurance since 2012. I had my father converted as well, and in the beginning, they were Great! Fast response, courteous, and accommodating to one's specific needs and changes financial wise. HOWEVER, now in 2017, they only care about money, their customer service matches the insurance and banking needs (Garbage). My insurance went from 1200 to 1500 without ANY EXPLANATION, except on the auto bill pay where I had budgeted to pay $241/month to $330/month! I told them to stop auto bill pay BEFORE the DUE DATE, and they still tried to pull the amount on that day! And now I have a $30 NSF FEE that I shouldn't have to pay! I had a 3-way call going because I know they were going to pull this B.S. and now I have a witness to prove that I tried to cancel the auto pay!!!

They judge on race and age. It has been over a month and they have not made whole. They look for a reason not to pay out. They investigate everything. They have people not properly trained. They treat you like you are a criminal. My car was stolen at my kid's school. They found the car. They are trying to pay me less than what the car is worth... with the extra insurance it is all a trick. They get you with the good rates... but watch when you need them. They will not be in a rush to get things straight.

I filed an auto claim 10 days ago. USAA has not sent an adjuster to the body shop yet. I had to call to get an assignment sent to the body shop. Subsequently, the assignment was cancelled with no notification to me. USAA reps just tell me this is normal. My own insurance is through USAA but the other driver was covered by USAA as well and USAA accepted responsibility. Is this how they treat everyone?

Recently hit in an intersection. Called USAA from the scene. Told I did not have collision or rental car reimbursement!!! I have had collision on all my vehicles insured with USAA since 1971. This greatly increased the stress I was experiencing from being hit. USAA said not only was I at fault but also I would receive nothing for totaled car. I disputed their position. After many days and many hours on the phone, I did my own research of my policy online. Two weeks prior to accident I called to change the state for my policy because of a move (USAA was award of the move because of changes in other insurance and contact info).

I have been a member for 23 years and they have always gone above and beyond for me. I insured my car with them when I was 16 years old and later that year had three major auto accidents that weren't my fault. Each time they responded immediately and had a check to the dealership to repair my vehicle within the week. At the age of 40 now I have my house and all my vehicles insured through them and still receive excellent service. I live at the beach and have had to file claims for storm damages from hurricanes and have never had to wait for an estimate or repairs. I have a credit card through them and have never had any issues with that service, similar I love their banking and investment products. Two weeks ago I had a lady run a stoplight which did major damage to my vehicle.

Driving on hwy in SC and rock damaged my window from road construction. Called USAA for assistance after speaking with several folks that informed me of Windshield only clause for free repairs & replacements. USAA reps managed to screw me over by doing one thing and saying another. They want me to pay out of pocket for coverage when I should not have to pay. I have several property and vehicles and their reps screwed up how I am covered and they want to force me to pay for their errors. Not going to happen.

We were rear ended by an USAA member and we are still waiting to hear from their claims department. We left 6 voicemails and no return calls. We have a claims report as I called 911 and the USAA member admitted fault to the cop as she was not paying attention when she was reaching for her soda bottle and when she got it she already had hit our car. We will wait until Memorial Day weekend is over and otherwise call a lawyer as this is ridiculous!

I have never had such a hard time trying to do business with someone in all my life. I spent 4 hours on the phone and still didn't get everything on my policy and after calling back to finish I finally had all I could handle, I was told that because my kids were of a certain age, I could not have them on my policy even though they are driving my cars in my name. I've had 4 insurance companies in my life and I've never had a company try so hard to make doing business with them so hard and they kept telling me it was a state law that they couldn't do it and I called them out on it then it was they said I would be committing fraud and it if my kids got in an accident it would show up on my driving record which I called them out on again and said that's a lie so at that point after talking to 3 people trying to convince me I needed to have 3 different policies and cost me an extra 290 more than I was paying for State Farm.

I was hit by a drunk driver on 5/3/2017 who did not carry enough insurance to cover my car as well as the other car she hit. The claim filed with my insurance has been going on for 3 weeks at the time of this review, I was notified as of today that the estimate of $23,774.98 was deemed repairable based on the value that USAA's appraiser gave the car ($48,712). I received a copy of the appraisal done by USAA showing they used a "new" car to comp it out, I provided 4 comparable "used" car comps along with value reports from KBB and Carfax showing the value to be $30,980 trade-in, private party at $33,770 and retail at 35,520 which would deem the car a total loss.

12/29/15 A USAA customer turned left in front of me with no warning. I attempted to miss her, but still hit at 55 mph. Not only was my car totaled, the frame was broken. USAA would not pay for MRI, nor any other diagnostics I needed. I suffered from neck/back/leg injuries. Broken nose, issues with my right leg and hip, for months was sick, nauseous and couldn't eat without severe repercussions. Was dizzy, had slurred speech, short term memory loss, severe pain in chest from chest contusion, swollen liver/spleen (Not sure which or both since they would not pay for the diagnostics... still have the swelling).

I decided to give USAA another chance. Here's the trick: get through the front line of disempowered agents by going to a specific insurance area (auto insurance, homeowners, rental, etc.). When you get an a person there, tell them that you can't do business with someone who doesn't trust you enough to give an employee ID or last name, they may give it to you. Be nice to them if they won't establish a trusting relationship and ask for a supervisor. Be nice and you may end up with someone who not only will give you their name, but also their extension (direct number). They become your agent! I am very satisfied with my agent now and am glad I tried again.

On 4/21/17 I was driving home with my spouse and dog when an 18 year old USAA member ran a stale red and hit my car going 50 mph as I passed into the intersection. My car was totalled and I sustained a 2nd degree burn to my chest and severe seatbelt contusion to my hips, which now have large hematomas and are very uncomfortable. I contacted USAA and have only been treated terribly. In the month since my accident, they've contacted me once, and I've had to get in touch with them every other time. Everyone I speak with is rude and doesn't give the correct information.

Hailstorm damaged my car. Damage was appraised at $8,264.57 and the value of the car was valued at $15,257. USAA says this is a total loss but in South Carolina a total loss is damage equal to or greater than 75% of the value. The damage is 54% of the value. I am getting a lawyer to clear this up then I will be switching insurance companies.

I'm not a member of this insurance but I'm the victim of an accident by one of their insured. My car was totaled in an accident and USAA agreed to pay off my car. The accident happened in February. It's now May and the email correspondence has been nothing but roundabouts and circles. First, my name wasn't spelled right in the initial claim so I had them change it, then I sent my power of attorney letter but they needed a FedEx receipt, then I sent them the receipt and they said my name on the power of attorney was wrong (it was correct they just switched me to a new representative and he had the old file with the wrong name.) So then I had to resend the letter and a new FedEx receipt and then he emailed me saying they didn't have it after getting an email confirming that they got it. I sent them pictures of both and was met with an email asking if the receipt in the picture matched the paper I sent.

I checked 4 days ago on when my insurance was due. Their website said it was due on the 20th. I logged on yesterday to pay the insurance, to pay the bill and it told me they dropped it on the 7th. I received no letter, no e-mail, nothing. Not even a phone call. So not only did they lie about it online when I logged on to USAA they sent me a letter. Checking the "amount due" the first time I logged in they charged me a late fee and sent me an email informing me of all of this when I logged in the second time.

My car was front ended by a pick-up truck driver that decided to back up into my car while waiting for a stop light to change. After exchanging information and reporting the accident, I took my car to my auto dealership for repair. They said - "Oh, this is great insurance, you won't have any problems with them!" They were right - the car was repaired good as new; I had a rental vehicle while they waited for the factory parts to be shipped to the repair shop to complete the repair. I have nothing but great things to say about this company. I work for another auto insurance carrier, and I know the quality of service they provide. I'm still switching to USAA and forgoing my employee discount because their claim service is far superior to what I have now.

Your VRS (Voice Reponse System) really needs improvement. I like your company, your insurance is good, and rates good also. BUT today I was FRUSTRATED big time. When I called USAA, I needed a copy of my auto proof of liability insurance. OK--that is pretty simple but I NEVER was able to be directed to a simple link to just get you to send me this document so I can renew my truck registration (in Texas you may know it is required to have proof of liability insurance at time of license renewal for a vehicle). So, I finally got a nice young lady on the phone and she helped me.

I signed up with these ** 10 months ago. That was my first mistake. The first 14 business days they harassed me by sending me my policy 18 times. Yes I counted, 18 policy documents total. The next issue is try calling them to tell them to stop harassing you, all you hear is every other excuse as to why you're still going to receive your policy another 18 times. Don't sign up for emails, they will send you 3-4 on average per day. One time my radiator cracked and I was in a heavy area of traffic, in downtown Denver. First they sent some ** who spoke only Spanish and didn't know what cross streets were, and never arrived, then I had to call again, almost 2 hours later in fear of being hit on the corner of a major street section, and they still did not come.

I have called USAA six times within the last 24 hours and they have hired a third vendor party for both side assistance and for towing a vehicle. They have sent out three trucks that are not equipped to tow in all-wheel-drive vehicle. They cannot be engaged in automatic to neutral. And now they're telling me that because it takes extra or special equipment that I have to pay another $119 and wait another two hours for someone to show up. So all the money that I've been paying them for all the years that I've been with USAA means absolutely nothing as long as I fall within the $50 fee and because I'm in North Carolina I cannot be serviced accordingly because it takes extra equipment to get a tow truck with a dolly. So for all US AAA members if you're North Carolina and your car is what they call truly disabled which means you can't drive it and you use USAA you may want to look at another vendor.

Anyone searching for auto insurance should stay away from USAA. They will overbill and not provide an explanation. If you ask to speak to a supervisor they say a supervisor is unavailable. If you ask how to file an official complaint they give you the runaround. Not one representative, or "senior specialist" has been able to explain why my auto insurance has doubled ($1,200) and why they refuse to give me a credit for an error made on their part. Save yourself the stress and headache and choose a company who is much more professional and less likely to rob you of your hard earned money. It does not even matter if you are a prior service member. USAA representatives do not care.

2 years and 4 months ago I was rear-ended while stopped in traffic. The vehicle that hit me was an old Suburban towing a 2 horse trailer (empty) and was driven by a 16 year old girl. Her father had a whole $15,000 liability insurance through GEICO who paid off right away but ER bills and Dr's visits ate that up in a week or two. I had my head turned to the right to block my German Shepherd from climbing over the console and my jaw was jammed tight against my right shoulder bone. When I was hit my jaw was torn at the joints and for two years plus I've fought my OWN Insurance company to pay my medical bills and provide for the $30,000 surgery I need to rebuild my jaw joints. USAA tried to say my jaw injury was a pre-existing condition but my personal dentist refuted that emphatically because he had examined me just prior to the accident.

I have been with USAA for close to 17 years, having banked with them and used them for my auto and renter's insurance. I have enjoyed my experience for the most part, with the exception of some instances where they held larger checks for unreasonable amounts of time, but I've found this to be true of most banks. My auto insurance, though a bit high, has been flawless. I've made several roadside assistance claims and a few claims for fender benders, and I've never had to wait more than 24 hours for insurance payments. Roadside assistance has bailed me out of several "oops I locked my keys in my car" situations. I've never had to file a claim on my renter's insurance, so I can't really speak to that. They reimburse ATM fees and give customers a refund at the end of each year based on the amount they earn above what they need to cover expenses, so that's a great perk.

I was rear ended by a USAA car insurance customer and she refused to acknowledge the accident even though we had photos of the damage and an estimate for $830. USAA denied the claim because she refused to acknowledge the accident. This person is a total fraud and USAA did nothing but protect her. This is total insanity. I called and spoke to Scott in claims and he basically laughed at me saying, "well you have liability don't you?" I didn't rear end my own car and they did nothing to try and get this fraud of a woman to pay. They protect their own customers regardless of dishonesty, guilt, or fraud. What a sham of a company. Terrible unethical people. Zero stars...

I had an incident on 04/17/2017 where one of USAA's clients backed in to my vehicle. We were both parked in front of our community mail boxes at the time, to be fair there is no dedicated parking in this area. The driver admitted that she did not look behind her before backing up. She was very apologetic over the incident and provided her USAA insurance information and immediately filed the claim via her phone application. She told me right at the time of filing that I would be contacted by Robert **. Who was the claims adjuster assigned the claim. I was not contacted until 3 days after the accident occurred. That was after I called, and spoke with one representative to make sure the claim had been filed, and called 2 other times and left voicemails with Robert.

We called in to inquire about our account. They asked us, as they should, some security questions. They told us we got them wrong. I asked how do we correct that information? They said they couldn't tell us because we got the answers wrong. You can see that this is going nowhere. I spoke to 5 different people over the course of 1 hour and 15 minutes with no end in sight to the circular logic. We finally got a power of attorney who called in on our behalf and they got the information corrected. An unbelievable scenario.

I was in an auto accident back in October of 2016. It is now April of 2017. Because of the injury I was excused from work from my doctor, but my employer fired me because of the time I had to miss. They would not accept my doctors note. I have been going to the doctors for multiple things since the accident has happened. I was not the driver at fault in the accident, but it was my car in the accident. I suffered from a severe concussion, whiplash, and nerve damage. I couldn't feel my fingers or feet for months. I continued to go to the doctor to try to get better and build my strength. USAA will not help me and refuses to help me with my bills. The reason being is because the accident happened in my vehicle but I was not the driver. They are refusing to cover any of my medical bills. I have talked to agent over agent and manager over manager. They won't let me file with the other drivers insurance because it was in my vehicle.

USAA stinks to the max. It is all bait and switch. Just got the renewal on homeowners, went up $200.00 for no reason whatsoever. We are shopping now prior to renewal and leaving USAA in the dust. Horrible horrible company. Auto has already been written with another company and is effective at midnight tonight. New company gave us car rental which we didn't have and lower our deductibles on collision and comprehensive to $250.00 per occurrence. We were at $500 deductible with USAA. Goodbye.

This company used to be great... Not anymore... Worst service ever. The guy that works in the CEO investment escalation office is a complete ** clown. Very rude and condescending voice message left on my phone. Would never recommend this company to anyone.

Worst claim service ever. Also, you will never get a hold of adjuster. They say you are rude and hang up on you. Every time when I call them, different person answers and give me wrong information. So stressful and it is never ending. They don't know an inch of what the customer service should be. Stay away from this company for anything.

I have to say that my customer service experience had been at least decent, though never really had to call in to customer service until this incident. My wife's grandparents, her family, and my family have all used USAA. I had a home loan through USAA and then started to do an auto-loan through them as well. I was planning on switching more of my accounts over to them until the following happened. I had applied for an auto-loan. The pre-approval was quick and easy. I had decided to use their car buying service through TrueCar. I eventually found a vehicle and brought in the paper to the dealership. Signed all the paperwork and brought the vehicle home. Easy, right!? This is where it goes downhill.

My husband was in a MVA on March 28th. The 18 wheeler that hit him was found at fault (got a ticket). We filed under our insurance, USAA, with the understanding they would subrogate. Originally, the car was found repairable. On Monday, April 10th, it was determined to be a total loss. We were told when we originally filed our claim if it was declared a total loss we would receive 20% of the cash value to purchase a new vehicle. USAA is now claiming they are required to send the 20% benefit I have under my policy for car replacement assistance to the lien holder, Suntrust. No one at USAA has been able to show me where my policy or law requires this, as they admitted it is an "internal policy" and contradicts their original statement when I filed the claim (and my coverage documents).

In 16 Mar 2017 had a USAA insured driver pull out in front of me in KY. He is a TN resident and so I am. He is an active military. I am a veteran. I being poor had no insurance. Police investigation shows he is at fault and admitted as such to both. The claims adjuster Kenneth never attempted to call me. A week later I walk to the USAA office in TN to see about filing a claim. They don't have any paperwork yet haven't contacted me about a statement when Kenneth finally gets hold of me says waiting speak to the witness as had to send a letter because no mobile #. Based on if hearsay from the witness he is trying to fault me 20%. Told them "nope your driver 109%" and asked who gave him the right to pass fault his excuse.

My wife was hit by an insured driver with USAA, and in the beginning they seemed they were going to do everything in their power to help the claims process along. We were satisfied by their initial response however, even after their driver admitting fault, the process become much slower and the adjuster's story for delays in getting the claim taken care of became more wild. A part of the process that was suppose to take 3-5 days, supposedly was backlogged and now would take 10-14 days. How does a process triple in time? I would be fired if I delayed something three times longer than it should normally take in my job.

My son was hit by a person with USAA car insurance. So far this has gone from bad to worse. We had his truck towed to a local location after the wreck. Instead of sending an adjuster over to look at it we were informed that the truck was going to be towed to someplace 30 minutes away for them to look at. They would not talk about sending an adjuster to us. Then when they called with an offer, they wanted to total the truck and not give us a fair market value for it. My husband said he would only take that amount if we got the truck back because he felt like it could be fixed. They declined.

USAA uses unfair practices to rate the value of vehicles involved in a total loss - my vehicle was totaled by a USAA driver that ran through a stop sign and T-boned my wife. My vehicle was compared to 15 other vehicles in the market in which not one of these units had as much equipment or options that my vehicle had such leather, heated seats, power lift gate etc. but most of the units without this equipment were given higher values to include vehicles that have higher miles. I have been in the Automotive Industry for 32 years... So I researched every vehicle to find most were rental vehicles, many had at least 1 accident and several of the vehicles used to compare the values did not have the equipment listed in the comparison.

Please consider that the reviews here have more credibility and have some truth to them. I have been a loyal customer to USAA for 24 years. Faithfully paid my bills on time, every time. In the last six months I have had two incidents. The first incident I walked out of a convenient store and my driver's door was crushed in and damaged. No witnesses provided any solid information other than white van. I was parked legally and did not see the incident. USAA treated me like a second rate citizen, but that's not the reason for the review.

Unfortunately, I've had three insurance claims with them in the last 2 years. Fortunately, it was with them. I've had nothing but stellar service, but this last one takes the cake. I started a claim yesterday on a leak. I send them the first bill from the plumber and they cut me a check in 10 minutes!!! That is service. I will be with them for life.

We recently are trying to help my father in law with charges on his USAA visa card. He has served in 2 wars and is a disabled veteran. We have a legal power of attorney for his account. It took days to get us approved by USAA to help him. He has dementia and can't function without daily care. USAA said our legal "POA" was not up to their standards and we had to jump hoops to get their POA filled out. Then there were many charges on my father in law's account that were made by companies taking advantage of his condition and were reoccurring. After hours of contacting these companies to stop payment my husband called USAA to notify them not to approve charges. They would NOT do it. They said it was on us to clear it up and if more charges came through we would have to pay them. Unbelievable as to how a former disabled vet and we have been treated!!!

AWFUL Customer service in auto claims. They were very condescending. And rude. I've had problems with their Crosstown Office before though. Both as a security Officer there and as a client of over 16 years. One call to those ** was more than enough to make me switch to Geico.

We have had USAA for about 20 years. And we have never had an accident until now. I wrecked the car in a front end collision on Dec 22, 2016. When I submitted the claim on Dec 23 with pictures they wrote me a letter stating they anticipated a total loss of the vehicle and please clean out the car and surrender it to them which I did immediately.

After 21 loyal years and a clean driving record, we took our vehicle to a mechanic after hearing noises. He stated the engine was about to blow and to drive the vehicle home immediately & contact our insurance company. I filed a claim and was assisted by the very rude Jackie **. She stated it was common wear and tear and they would not cover anything not even a rental car. It's a well maintained Dodge Ram with 80,000. So much to my dismay I was not going to accept a definite no!

I am reviewing USAA as a member since 1999. I see nothing but 1 star reviews and scratch my head. (??) I also do not like that none of the higher ratings are posted. I know they are out there! I don't get it at all. This is a class "A" company. I have many accounts with them at this point and am very satisfied. All of their products are top-notch. The service is phenomenal when they are contacted; their representatives are helpful, courteous and eager to help. I have had nothing but a good relationship with them. Even when dealing with a claim in the past, the service is fast and efficient. Any policy changes can be made quickly and easily online. Couldn't be better! I plan to stay for the duration.

As many people have described I had a problem with automatic payments on three occasions. My calls date June 2016, November 2016, and March 2017. Upon each call I had called in to set up/resolve automatic payment problems. The first time I was told that it would be set up and no worries about having to call and check. I received a no pay notice about two months later. After checking the status of my Checking account I showed that the funds were plenty. The tech was capable of processing my payment manually, told me he had set up new auto payments. All was dandy until November where the same issue had happened. Upon calling and talking with the supervisor I was told that an automatic call would notify me upon no pay (requested because lack or internet/permanent location to receive mail).

We cancelled our auto insurance after 15 years at USAA. GEICO was able to save us more than fifty percent off our policy. That being said, we cashed out refund check from USAA and went on. It wasn't until almost a month later that we noticed another 250$ charge on our checking account. Apparently USAA charged us for another month that we didn't have a policy and then when we called them would only refund our money after two weeks. According to them it could be ten business days before we get the money they stole from our account. Luckily we have enough to cover this Cir and extra 250$ is a lot to most people. I would not recommend them to anyone.

I've been with USAA for 35 years and was one of their strongest advocates. The price of their insurance is the best out there. Now I know why. It's because when you finally have something happen, and need them to insure it, they give you the runaround and don't pay. You know, stuff that you expect to get from other people's insurance. My car has not been driveable for 2 months and I have no idea why. They keep blaming it on insufficient data from the adjuster and tell me to call him and have him provide more information. I do that and never hear back. I call them and they say I need to talk to the adjuster. I call the adjuster and he says he has been talking to them and gave them everything they asked for. I've been getting the complete runaround for over 10 weeks on a claim that would cost them less than $500 to pay out. Now I know why their insurance is so cheap.

USAA requires policyholders to belong to a military family. Both my parents and wife's father served in the military. My father died in a VA hospital. When setting up our account a USAA representative spoke with my 80 year old father in law and confirmed his service. We were told by USAA everything was all set. We changed both our auto and two separate homeowner policies to USAA (lots of work). Six weeks later I get a cancellation notice from USAA. I call them and they state they need my father in law's DD214 or I get cancelled in two weeks. My father in law is retired and on a long term vacation and won't be back until May. USAA says "Sorry". This is on them they approved the account. Now I'm stuck finding different insurance. And they took a lot of personal information from my father in law and us. So now we both get an abundance of junk mail and emails from them. This company is a shame. Stay away.

I am not a USAA customer. My experience with them was because I was hit by one of their clients, who rear-ended me. This accident was clearly his fault and he was cited, and USAA did admit responsibility. However dealings with the company from that point forward have all been difficult. First I submitted my estimate via email, and received a confirmation email. I heard nothing back about the claim so I called. I left a message with the adjuster Jason (I may have spoken to him very briefly prior to getting my estimate but I never spoke to him after that time). Jason did not call me back. I called back and reached someone else who said they did not have my estimate, BUT that there was a "limits issue" with the insurance.

2016 F250 went into some type of low power mode and got a service engine soon light. Ford said it was water contaminated fuel so it is not covered under warranty. $12,000.00 repair. Other major insurances pay for this under comprehensive. USAA stepped up to the plate and said they would only pay to have the system flushed. They called the entire event a mechanical failure, which they don't cover. This was not a mechanical failure (that term describes a failure due to poor manufacturing etc...). This was damage caused by contaminated fuel as stated by Ford. USAA has been fairly good about paying for minor issues, but twice I have had significant claims and have received nothing but pushback. It gets tiring having to go to arbitration and then to court to receive a just claim. Both cases were won by me. Luckily I subsequently got Ford to cover it under warranty. I do not recommend USAA to anyone.

Corporate office contacted me and issue was taken care of.

Had one of their customers hit me and the police report states he is at fault and when I call to try and get a check to get my vehicle fixed they claim they don't owe me anything because their customer put his turn signal on before he changed lanes and hit me in the side of my vehicle on a 4 line highway because he didn't look before he changed lanes. Biggest joke of an insurance company.

I had very minor damage to the hood and front left fender of my Honda Accord along with a shattered windshield. USAA recommended I take it to their reputable collision center and I did. That company deemed my vehicle a total loss citing the damages to exceed six thousand dollars. That price blew me away because if you replaced both items with new parts the price difference isn't close, so I took my vehicle to another reputable collision company and their estimate was two thousand, five hundred dollars which would not result in my vehicle being a total loss. When the company submitted their estimate to USAA, USAA rejected it and said their experts agree with the estimate of their partner company. I don't know what options I have. USAA has already told me there's nothing I can do but accept what they've told me and buy my car back from them.

On Monday March 6, 2017, Art ** came out to inspect my vehicle for hail damage. After the evaluation, in the rain, might I add, he estimated the damages to be $505.44. I have a $500 deductible. I did not agree at all with the evaluation. Therefore, I immediately took my vehicle to H&H Collision, which by the way was an inconvenience to me and they surmised the vehicle to have at least $900 more worth of damage and sent the estimate to Art **. I called him shortly afterwards and he stated that he "was trying to wipe the rain off as best as he could". Tell me, what insurance adjuster does an evaluation in the rain??? Art ** and USAA Auto must have assumed that since we are ** that we would lie down and accept that they wanted us to fix our own vehicle.