USAA Car Insurance Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

We have life insurance, IRA, checking and savings account through USAA. We are considering taking our business somewhere else. We already found a less expensive auto insurance and switched. Someone needs to check in to this matter, how many others are getting the runaround with USAA? As I stated, my husband works for the State of California. He has 3 furlough days a month, can't do over-time. I have been cut back to 4 days a week. So we are just trying to hang on; taxes, medical, insurance and FEMA now wanting additional insurance on any house that "might be in a 100-500 year flood zone". USAA was just the last straw. How can insurance companies get by with this? 56%!

As soon as I requested that they cancel the policy, there was no hesitation to do so, no apologies, no statements like, “we are sorry to lose your business, please reconsider." Since then I have visited as many web based sites reporting and sending what e-mails I did cut and paste to anyone who would listen. This company is a rip off to the consumers. Hopefully all consumers that read this and view all web locations that I have posted will refrain from using the USAA insurance company or any USAA businesses or any subsidiaries of USAA. I thought fraud is a crime; however, it appears USAA is above the law.

They treated us like criminals because we didn't lock the vehicle, so why would we file a police report if we planned this? I am even more irritated to find out that they have increased our Renter's Insurance policy by $300 a year, not to mention our auto insurance has now somehow increased as well. Switching my insurance this week and spending the same amount over one year that we were going to pay in 6 months with USAA. I can't believe they can get away with this, especially after being with them for so long and one stupid claim that amounted to $600!

The guy walked over to my car acting as if I had inconvenienced him in some way and said that it was his fault and he had already called the cops. Once the cop arrived, he gave him his license and insurance card and then drove off! I had to wait around to deal with it. Luckily, a guy was on a ladder at the time washing windows and had seen the whole thing. I thought surely everything would be fine. I had never been in an accident before. I filed my claim and after a month, wondered why no one had contacted me in regards to the outcome. I wasn't worried because I had provided them with the witnesses' information and told him to be expecting their call. USAA came to my job and took pictures of my car and sent me a quote. I thought everything was fine. But after a while of nothing happening, I decided to call them. Come to find out they had closed out the claim naming me 100% liable for the damages to my own car!

They hadn't even questioned the witness nor attempted to obtain an accident report! Well, apparently when he hit my car it must have cracked the window because I went to shut my car one day and it shattered all over my front seat. I live in Vermont and its October, and now I get to drive around in the cold rain with no window, not to mention I am a single mom with a 3 and 4 year old and my car is my only means of transportation. USAA's insured driver said that my passenger opened the door into his car and they believed him without even doing any further investigation. I am still fighting but they are a bunch of thieving scumbags!

On 5/1/09, I completed an examination under oath or rather what was an interrogation under oath. My privacy and rights were violated at this examination under oath, questions were being asked about my life, my work, and my wife, all unrelated to the loss I suffered on November 5th, 2008. I was treated by the attorney that USAA hired like a criminal. I kept a copy of the entire session of all the ridiculous questions and assumptions being made by this lawyer who represents USAA.

USAA is deliberately delaying closure to this loss simply because I was wrongfully accused of this crime. I was vindicated, yet no action has been taken to replace my SUV. I've been an honorable serving member of our Navy for over 11 years, of which USAA has insured me for at least 8. I never cheated, or committed a crime, and I never imagined going through such an event. It would have been nice if USAA, the company that claims to truly care about its members had done a proper investigation in a timely manner, realized that I am not responsible for the damages to my vehicle, and bring to a closure the worst experience of my life.

Mercedes Benz Financial, and Phillips Mercedes dealership, have both been willing to do a Substitution of Collateral on my behalf. Negotiations were made to replace my SUV but this agreement is history or at a standstill because USAA is basically dragging its feet. Months after the loss of my SUV, USAA found it fit to continue deducting insurance allotments from my bank account, yet my vehicle was totaled in November 2008. I received first communication in January ‘09, heard from the attorney March of ‘09, and I'm still in the same position. I am very disappointed and hurt by their actions.

On July 31st, I was rightfully acquitted of all charges, and until this date, USAA has not paid to repair and or replace my SUV. I ask that someone in USAA's chain of command attend to the concerns of this Active Duty Sailor and make some quick decisions and do what's right. I have no means of transportation at this time, yet I'm paying for my vehicle every month for the last 310 days. I can no longer deal with the injustice and unfair treatment from USAA.

On June 25th, 7 months after USAA told me that my vehicle was declared a total loss, they sent me a letter denying my claim and told me to go pick up my car from the junk yard where they took it back in November, and that they have no interest in the vehicle. I had my vehicle towed to the dealership for repairs. USAA removed my car from the dealership, telling myself and personnel at the dealership that it was a total loss, yet they tell me in June of 2009 that I need to go pick up my car they have no interest in it.

I have submitted everything I needed to, and at first, I asked for very little and didn't even include the plants and trees that were crushed and destroyed by the insured who had run into my property. I did not include the loss of my cat, because I could not be sure if they did it. Since trying to call them, they say they don't get the fax, the email, or the phone call. And now, they're trying to make me wait again for payment. I was the one who got hurt, I repeat.

I have not consulted a lawyer yet. But now, they should pay me double for the amount of the claim, of taking so long, and acting like they didn't get the info. And I didn't include if the whole fence would have to be replaced for it all to match. I explained the property. I was trying to be nice, but now, they just ignore it. I see that in waiting for them to take care of anything, they want to over-exhaust the inflicted; and they think the inflicted will forget about it. Well, this is no way to handle a claim. I expect quick and diligent response in this matter. Thank you.

So I thought “my new rate must be a mistake”. I was wrong! Josh ** and Mark ** told me the rate was correct and that, although there was an overall rate decrease, some rates had to be raised. When I started with USAA in 1975, the only people who could be insured with them were active military officers. Look at who all they insure now. They have expanded their membership to a point where, apparently, the people who the insurance company was originally designed to serve are going to pay much higher rates so the associate members can see a slight decrease in their rates.

After getting absolutely no satisfaction from any person I talked with at USAA, I went insurance shopping. I got 8 quotes from quality companies like AAA, Amica, GEICO, Progressive, Esurance, 21st Century, etc. for the identical amount of insurance I was getting from USAA. Every quote was lower than what USAA was going to charge, one by almost $700 a year.

That was just the tip of the iceberg. The next day I called my insurance company to follow up with the message I had left from the night before. They told me that seeing she was at fault, her insurance company is the one responsible for paying for everything. So, I went and rented a car so I could get my life back on track and tried to contact the lady that hit me to get her claim number and I never got a hold of her. That was until she called back by accident.

I was told that they would pay for the rental car and not to worry. Well, one week goes by and I don't hear anything. Then I get a call from Donald ** stating that my car was a total loss. He said that they would offer me $10,200 for my car, so I told him before I agree to any number, he needed to send me the report. He compared my car to cars that were the same model but had totally higher miles or different features. I called him back telling him that I would not settle for any less then $12K. But after forking out over $600 for the rental car, I took the settlement that he raised by a little bit. I still got screwed out of $2,200. And in order to get my new car, I had to finish paying off that 2200.

He told me that they would pay me back for the taxes on the new car, but of course not the full amount. I got one check for part of the amount made out to me and the old lien holder. I called him back to see what the check was for and to see where the tax check was and he said that he would send it. I brought up the fact that it was made out to me and the old lien holder; he stated that since there was money left on the lien, then I needed to send the check down to them (the old lien holder) and have them cash it and then send it back. I told him that the lien was paid off and I have the lien with the paid stamp on it in my hands.

He then stated that he didn't know that and that I had to prove that the lien was paid off before I could get the check cut in my name only. I got a little pissed at him and he hung up on me, so I called him back and of course got his voicemail. I told him to stop payment on the 2 checks that were made out to me and the lien holder and that I would fax the proof that the old lien was paid off (which that was not on any of the letters I got). That night, I went home and got the lien and faxed it first thing in the morning. Knowing that it takes them 24 hours to get the fax, I called later the next day. He was not in his office and left someone else’s number to contact if we had any questions. I contacted her and never got a response. So the next day, I called again and there was a different number for a different person to contact. So I contacted her. She did call me back and over-nighted me the check. I then told her that Donald is awful and a total **. She said she was sorry and that the check would be sent ASAP. If it was not for her, I would still be waiting. I am still waiting to settle up on my lost wages and other money. But dealing with USAA has been the worst experience I have ever had.

This simply shows that USAA not only cannot do anything but also gave false and misleading information which allowed their member to drive an uninsured vehicle cross country from Utah where the accident occurred to somewhere in Louisiana. A police report should have been done due to the lack of the member's responsibility to properly notify USAA before travel giving USAA the proper paperwork to cover any problems. USAA is still waiting to hear from the member but the member has moved and is not returning any phone calls made to the phone number they have. So, we are stuck with the bill at this time.

This is the absolute worst customer service I have ever been exposed to in 47 years. I even had my attorney call him and he also said that he was a ** to work with. The worst he had ever dealt with and he has dealt with Allstate insurance which held the record up until now. I told him not to send a check out because we were not done with our negotiations. He then issued a check for less than repairs and sent the form for salvage title. He later canceled the check after the shop had deposited the check and now the shop is mad at USAA and me.

When the car arrived at this "Star" USAA authorized repair facility, the rep immediately started on the appraisal process. The rep who works for the dealer body shop is also by coincidence a USAA authorized appraiser. The appraisal on the vehicle was grossly overpriced causing USAA to make a determination that it was a total loss. After more research and a second appraisal from a Ford dealer body repair shop, I discovered the original appraisal was valued at $2700 more than the Ford dealer appraisal. The new value to repair the vehicle at ford is now $5571.00. This is well below the 75% margin of the appraised value USAA came up with for my vehicle.

That is my next problem. USAA's appraised value on the vehicle is $2000 less than the NADA value and $3000 less than Kelly Blue book value. This is for the basic value. USAA is not allowing for the Shelby appearance package and suspension upgrades. If USAA totals my car, I will be about $6000 negative and upside down in my auto loan on the vehicle. Also with not the greatest credit, I will not be able to get into another car. The extent of the damage on the Mustang is the grille only was pushed in and damaged the radiator, A/C condensor, radiator support structure, left driver side headlight, broke the cap off the power steering reservoir, and damaged the driver side front fender due to impact with the deer’s head. The small deer’s body missed the hood and the front bumper cover.

The USAA dealer appraiser included the hood and front bumper to be replaced in the estimate, also repairing the front left fender at 10 hours of labor. Ten hours of labor alone could purchase 2 front fenders and be installed and painted for the price of repairing one fender. The fender cost the dealer $169 to replace. The frame of the vehicle is undamaged and is in complete repairable condition. USAA has been handing off my claim to specialist after specialist, and still coming back with the same answer as the vehicle is still a total loss, even though I had provided over 40 evidence photos of the extent of the damage including tear down inspection photos. It proved without a reasonable doubt that the hood, and front bumper do not need to be replaced at a cost savings of over $2000 for parts and labor.

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

If I elect to total it and take possession of the vehicle, God only knows what USAA will give me as a buy back value. I am sure it will result in USAA breaking even and me taking the entire cost. What am I paying insurance for? USAA was formed to provide US Army-commissioned and warrant officers with insurance. Later USAA allowed enlisted service members to join USAA. If the US Army was aware of USAA practices, I am curious how they would handle it.

The second issue is that I did not agree with the offer because it seemed lower than I expected it should be. So I did some research and found that they were almost $2,000 below the local market value for my vehicle. I was an independent auto appraiser for ten years and have valued thousands of vehicles for insurance companies. Therefore, I know how to come up with a market value. I spoke to her about the soft offer and after correcting a small error for an option she left out, she stated that is all she could offer and I would have to send in my own information that showed that my vehicle was worth what I claimed. I did just that. I sent in the only comparable vehicles in my market area and still, she would not adjust her offer. I even went back and complained to my original useless adjuster they assigned me in the beginning and one or two of their supervisors. I was finally able to get on a three-way call with them and the outsource company they use back east that supplies them with the vehicle values.

This company basically took every vehicle of my model sold within a two hundred mile radius of my home and added and deducted for equipment and mileage and averaged them out. That is how they came up with their artificial value. This is not a market value. I discussed it with them and they could not convince me that what they came up with was correct. They do not even consider any other source for vehicle values i.e., blue book, NADA book or dealer quotes. They only use their own concocted values. Also, USAA stated that the department of insurance allowed them to use car sales within a couple hundred miles of my market to get a value for my vehicle. However, the DOI told me otherwise and suggested that I file a complaint.

I have been in the insurance industry for almost 30 years and I have never dealt with such an impersonal arrogant company as this. Their salespeople are so nice and suck you in, but once you're in, you're treated like dirt. This is my second bad experience with them and soon to be my last. They know that I will eventually take their offer since I must now spend my money to hire an outside appraiser to help convince them to make a better offer. This is how they settle their claims for less than what they owe you. They make you spend money to fight them, knowing that nine out of ten, you won't, so they win. My claim is still unsettled four months later.

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

I got home and called USAA right away and advised them of what happened. And then, the runaround began. First, they said they hadn't been able to "contact" their insured and it "wouldn't be fair to her" if they went ahead and took responsibility for the accident. Well, my husband took it upon himself to call the driver and ask her himself, and lo and behold, her boyfriend/hubby said "no one" from the insurance company had "ever" tried to contact them to date. He even told my husband that as soon as he got off the phone with him, he was going to call USAA and tell them that "Yes, the accident was their fault."

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

I have already gotten a copy of the police report, and faxed it to USAA. (Basically we have done all the work for them). The report also clearly shows that the other driver was at fault. After I told my husband that the information was faxed and he had indeed contacted the other party, he then called USAA and advised them of a simple fact: if he had to miss his vacation, (the first one as a family in over 10 years), Katy bar the door, every dime we have saved for this vacation was going into hiring an attorney and was going to get them for all he could. And if he had to be home at all for any reason because of this fiasco, he was going to add an additional $400.00 a day (which is his daily pay), not to mention the fact we have just filed a complaint with the Kentucky Department of Insurance over this deal. (The whole lying about trying to get a hold of the party at fault just rubbed us the wrong way).

At this point, I can't open the back of my van and it makes it hard to shop for groceries for 4 kids when I can't get anything back there, not to mention the fact that I have 2 boys playing baseball at this time. Wish me luck in getting bat bags, catchers gear, water coolers etc., in a van with no way of access to get in the back. We have a vacation in 2 weeks coming up. Again, it is kind of hard to fit suitcases into a small smashed area. The repair shop is busy and will be unable to even get to my van for 10-15 days, which means that if we are going to actually go on vacation, I will have to either try to wait USAA out, pay for rental van (at least $75.00 a day for a van) or pay out-of-pocket a deductible of $500.00 to get my van working again and it still may not be ready for our vacation. I have come to the conclusion that insurance companies really need to be held responsible. Wish us luck!

After her explanation, she told me that USAA had reversed the policy and that they would in fact reinstate my policy effective midnight tonight. Obviously, I had her renew the policy until I can find another insurance provider. But I really do not understand how a certified letter, which no one in my household has signed for can legally hold up. I have a complete renewal packet that was sent out in April that told me I had a renewed policy.

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

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

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

My complaint is not merely about the biased and unjustified estimate I received per se, but it is also related to the manner in which the USAA appraisal agent at this particular facility behaved, Marck Motors located in El Cajon, CA. The male individual (Chris **) in question was patently unprofessional in his behavior. He was rude and openly hostile in his actions and his wordage. He expressed sexism and classism through his words and actions. Additionally, his behavior was discriminatory. He was flagrantly derogatory in his comments. He disregarded what I said and was confrontational. There was no cause on my part for this irrational behavior.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Physically I am injured, just had back surgery.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

What I nightmare I had dealing with this company! I have been insured with USAA for over 25 years, and have unfailing sent them a check every month to insure numerous cars, boats, and rental units. It took them over two weeks to call the car totaled. Then they would only give me $1000 on a car that I had just rebuilt the engine on. When we asked what exactly we were supposed to buy with $1000 that had a new engine, new tires, T-tops, and had been reupholstered, we were told that was our problem.

I faxed in over $5000 in receipts for this car, but because we did the rebuilt job ourselves, we were told the receipts were simply maintenance. They would not simply start the car and see that it ran like a top, nor look at the tires to see that they were nearly new. So, I, who did nothing wrong, am currently out of a car, and now have a whopping $1000 to pay for a new one. Bluebook put the car at closer to $3000 without a new engine, but USAA said they don't go by Bluebook values.

Apparently, they just pull a number out of a hat, and that's what you get stuck with. USAA will of course collect from the other persons insurance so they will be out nothing. Oh, and I had full coverage on this car for over 10 years. But I did not have a replacement clause on the policy. So they were happy to take my checks for full coverage for 10 years, but when it came time to pay up - well, good luck!. Like the other gentlemen stated, I figure I have sent them $25,000 to $35,000 since I have been with them with one claim in 1982 that they paid $800 on, and perhaps four tows since then. We only got the rental car for 30 days, even though it took them 3 weeks to tell us how much we were getting. It took 32 days for them to FINALLY send our $1000.

We went back and forth with USAA over sending out somebody who could accurately estimate the damage and every time, they failed to return our calls or set up a time to do so. Fed up, we filed a small claim against the people who hit my car thinking that it would be faster to get the money from them since A) they left a note admitting fault B) they indicated working with us with regards to the damage by both talking to us and by two voicemails they left on our machine C) she knows what she did and from speaking to her, she wants this whole thing resolved too. After all, if the damage was only $34, why did she leave a note with her phone number saying let's work on this?

But currently, they haven't even picked up the note left on their door by the post office to receive the small claim that we filed. Now, I'm worried that their insurance told them to not pick up any mail that looks suspicious (ie: certified mail) so they could prolong paying us. And just to locate them has been a pain, and we may need to send out a sherriff or 3rd party in order to get this claim to them. The whole thing has been a fight with USAA. Then, they have the nerve to say that if it does go to court that they would turn their litigation team on us.

This insurance company would not authorize new replacement parts and would not provide a comparable rental vehicle. In summary, I was without my vehicle for more than 19 days and accrued rental car expenses in excess of $600. I expect to recover my out of pocket expenses from my Insurance company. I am sorry for other individuals out there that have had similiar experiences with USAA Auto Insurance. This company is focused on meeting the very minimum level of responsibility.

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

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

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

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

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

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

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

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

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

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

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

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

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

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