USAA Car Insurance Reviews

Their insurers provide different names and add letters to their policy st they cannot be found when they are involved in accidents. Also USAA uses Arbitration Forum Inc - whose CFO and CEO - are former employees of USAA to make their insurers non guilty. This is a conflict of interest..But they have no shame. This is a biased and unfair process, it's like you go to court and your mother is the judge. They should be investigated for their practices as they have no values. I am fed up of injustice and discrimination.

I have been separated from my military service for over 36 years and when I found out from friends that there was an insurance at a extremely affordable price for veterans I reach out for a quote and was overwhelmingly surprised at the quote. I immediately switched both of my vehicles to USAA and glad I did. I now save over 60% for insurance than I’ve ever paid. This is my gold mine and all I can say is I wish I have of known about this years ago and sorry to all those who are missing out. Thanks USAA.

USAA Auto Insurance provides full coverage at a very reasonable price. Their customer service is quick to address any issues or concerns and is excellent to deal with. They offer several good discounts to further lower your rates as well as programs offered that you can participate in. Overall, I am extremely pleased with the policy that I have with USAA. I highly recommend them to anyone who banks with USAA.

The insurance company that was founded to be an affordable insurance for the military is beyond the reach of most active or retired military personnel. I just searched for car insurance, USAA was the most expensive of everyone I contacted. I ended up going with State Farm.

I have been with USAA for more than 40 years. They have always been available when on the rare occasion I needed their services. Claims are paid quickly and for a fair amount. When other Insurance carriers call to offer a quote I tell them I have USAA and they hang up the phone.

It is a little confusing working with Customer Support during an accident. Someone hit my car in parking lot and had same USAA insurance, they took pictures and filed report. Calling Customer Support. It was entirely too much work to get to find the accident report as it was not listed under my name. Seemed very difficult to for agent to find each time.

Compared to others and gives more coverage for the same money I would pay for the others. Remember I said more for the same money. No brainer here. They also accommodate changing due dates. No pressure or high sales tactics. If you are military or former military check this out.

I've been with USAA for 40 years and they have always been super helpful with the best customer service. Only time I wasn't able to use is when I bought a motorcycle and for my classic cars. In both cases they referred me to good alternates and that came with a discount. Also have my house insurance and living near the coast, they always email me when there is an impending hurricane. Thank goodness I've never had to call in a claim.

They were very helpful over the phone in getting me signed up. Now have all my insurance with USAA, and I saved a bundle over SF, as they wanted to drop my homeowners policy because of some weeds in my yard!!! So now I have just one monthly bill that covers my home and 3 vehicles. And with more coverage than before. I am very pleased with USAA.

I have had USAA for more than twenty years and with one exception, had excellent service. The last time I was involved in a vehicle accident, I had a rental care before I even had my own vehicle taken to a repair shop for an estimate.

USAA always provides reliable, consistent, professional service, whether it is through their auto insurance or financial products. Their coverage is thorough and well-priced. We began using USAA while I was active military and their clientele membership was more exclusive; however, while now providing services to a wider clientele, USAA has maintained their superb service commitment.

USAA is the most wonderful car insurance company because the subscribers are a select group who have served in the military and the agents are not on commission. I have excellent coverage and receive good guidance from agents when insuring a new vehicle. A subscriber savings account is also an advantage because each year I receive a dividend check.

USAA is very respectful and used to provide the best customer service. Over the last few years they have been more difficult to actually reach someone to speak with, but usually resolve the issue when spoken to. They have made auto claims relatively easy.

I'd been a Esurance customer for many years, and decided to compare companies in an effort to save money. Because of my Veteran status, I was able to get coverage from USAA, and now I save over $30 monthly versus Esurance. I recently was involved in a hit-run accident; no injuries. When I contacted USAA they immediately jumped into action. After describing the incident, they gave me a choice of repair facilities; recommended or I could choose my own. I went with one of their choices. Within an hour, I was contacted by the repair facility; set an appointment; provided pictures and description of damage. USAA also arranged a rental, sending the request directly to Enterprise. This accident occurred on 7-17; dropped the car off on 7-20. A completely stress-free experience.

Best service of any co. Lowest rates with savers account. Ease of filing claims. Quick response to claims and inquiries. Able to bundle with homeowners ins.

I have had this company policy for over 50 years. During this time, I have had few accidents, and none serious. Each time, they would recommend car repair company that they use, and as soon as the company heard me say USAA, I had their compete and devised attention. Since this company is made up of military people, and run primarily people, there is a mutual understanding, so we pull together for each other. Additionally, since I am a senior, and have been with them all these years, I received 2 different subscriber's checks every year. And finally, because of the Virus, and the shelter in place situation(a lot less driving), USAA is discounting the monthly premium each month. NO AUTOMOBILE INSURANCE COMPANY can match the overall benefits of USAA... I no longer even try!! OORAY!!!

I've been with USAA since 1984, in 2015 I had a serious "at-fault' accident with a rental car in OK. I made one call to USAA advising them that a claim would be coming and the extent of personal injuries sustained. My wife sustained a fractured pelvis and since we were flying back to Fresno CA was treated and released from the local hospital. She was later hospitalized from her injuries. Again a single call to USAA and all was handled.

I have been a USAA member since I joined the military in 1966. I've always had my home and car insurance with them. A great company and have been so supportive when I had to file just 2 car claims over all the years. Their dividends are tremendous and very fair. I would suggest you join if you are eligible.

I have been a USAA customer for over 20 years. The company has superior customer service. I always feel like I am in good hands whenever I have an issue. They resolve claims quickly and efficiently. I love the products and services USAA offers.

Hit a deer.. not really bad damage. CoPart picked up my 2009 HHR, then said it was totaled. USAA offered me a $3100 settlement... When other 09 HHRs were selling for $4k to $6k. Plus, I had put on over $1900 in additional items on the car; Bluetooth stereo, custom wheels, towing hitch, new tires & new battery, plus a lot of maintenance. I told USAA to bring the HHR back to me & I would have it repaired. They said CoPart had already sold it. I am meeting with an attorney next week. USAA said the offer was fair market value, I told them to find me another 09 HHR for that price... I did my research, no 09 HHR for sale at $3100.00.

I was in an accident on 6/30/20. A driver ran a red light while I was making a left turn. He hit my front passenger side bumper causing considerable damage. When the accident occurred I was Door Dashing. My wife did the responsible thing and purchased an add on policy for Door Dashers. Now, you would THINK that you get more coverage the more money you pay, right? Not with USAA. Because I was delivering food to a client rather than on my way to pick it up, they DENIED everything. We also paid for an uninsured driver add on to our policy. ALL of this was denied due to the small window between driving to pick up food and delivering it. Basically, I'm being punished for telling the truth. Had I lied about Door Dashing or just forgot to mention it, I'd be covered. Stay away from USAA!! THEY ARE TERRIBLE.

It goes like this: - got into a minor fender bender that caused some slight superficial damage, but nothing else. Police on scene deemed the vehicle to be road safe and fine, and let us go without a problem. - Filed claim, didn't expect anything (no coverage for vehicle collisions). - Several days later hit a deer. The car is totaled, the car can't drive, the axle is bent, the lights are smashed and out, and the car won't start without screeching and smoking even when stationary. Filed a claim (I DID have animal collision coverage), police report, and had it towed to the shop.

It really breaks my heart to give USAA such a low star. Goodness, I remember the days are used to brag about how great their service was. They are now switch and bait company. Only for profit. They will only tow you 11 miles if you purchase their towing insurance. I have literally paid them Approximately 8,000 a year for the last 25 years. I have never filed a claim on my renters insurance, my homeowners insurance or my auto insurance policies. The only Service I have ever received from my loyalty, has been a handful of tow service is over the years. Typically a tow services over the years standardly, a tow policy will cover from 50 miles to 100 miles depending on how good the policy is.

I've been with USAA Auto Insurance for the past 5 years, I've moved 2 times in 5 years USAA charged me $60 a month more because their excuse was my zip code changed to a higher traffic accident area!! Not my driving record just because I moved to a different area based on their community driving research in California. I just recently bought a home in Arizona and changed my zip code and become a homeowner in a new state and I had to change my insurance policy again to a new area and before I know it USAA charges me $100 more a month again!! And I've not had any accidents at all in 25 years. I'm 47 years old and have a 2016 car and a 2006 truck and I pay $296 a month for insurance!! What a rip off to veterans!! This is unreal. Veterans beware!! And my coverage is for the basic full coverage!! I'm canceling them and going with a reputable company that actually takes care of vets!!

Don’t ever even attempt to submit an auto claim to USAA if you are not insured through their company. They will do a perfunctory at best review of your information (they did not ask me for photos nor did they even have a copy of the actual police report) and actually had multiple facts of the accident in which I was involved incorrect. They will refuse to have a second adjuster review your claim if you don’t agree with their initial decision. Horrible experience with this company overall and I can’t imagine how they would treat actual customers. What a joke.

USAA Insurance is a scam, they do the Bait and Switch. Give you a low quote and then after you sign up they hit you with a major increase in the price they quoted you. You ask them nicely for help and they nicely tell you where to go. They tell you "O' the rep shouldn't have said that," or, "The rep was wrong in telling you your rate could go up".

I called USAA to obtain an auto quote. I'm eligible to become a member, and get a quote because my father was in the military. USAA advises they found his records at North Highlands, CA, but couldn't sign me up unless I provided his social security number. Subsequently I called back with the number, and spoke to a Brandon ** who advised he already had his social security number, but that I needed to provide his DD214 or his USAA number. I advised him that another representative already found his USAA number, and asked for a supervisor. Brandon refused to transfer me to a supervisor, and said there is nothing more they could do. This company is not one that instills trust, and they strike me as someone who may not pay claims. They are based in Texas which historically doesn't properly regulate insurers. They might be cheap, but as the saying goes "cheap is dear"!!

ONLY way to describe USAA is __it show! Started process in October, 2019 when my Dad, a Korean vet was alive. Sent in all the DD214 documents and signed up for auto and homeowners insurance January 24, 2020 when I was told DD214 info received and now eligible. Despite it was $400-500 more/year total it was more coverage. About 5 weeks ago my daughter called in to inquire and advised "your mother needs to call sooner than later" but couldn't advise why. It's now May 15. I have been uploading and faxing info over since that time as well as over a dozen calls. He has been DEAD since 2/10/20 and they are now asking to either "speak to him" or send a "COLORED, FRONT/BACK" valid state ID or DL. He had dementia and hadn't had a license or state ID for years. Used his VA card for anything he needed.

They took my money for years, then Covid came & I was unable to continue the relationship so they charged me the full amount for months forward of the cancellation date? They claim presently that they are caring and sincere that they are giving between 520–800 million back to veteran accounts holders but when I contacted them with this information they scoffed at me stating that I did not tell them that I was not driving my car for the past 15 months, which I Did because I dropped the PIP & Liability & garaged it which dropped the monthly payment significantly. I also explained that I am locked down overseas and struggling to survive but they took a Hard Ass attitude with me showing zero care nor concern & would not be expunge the small debt as requested rather decided to take it personal & treat me like an enemy after years of faithful payments.

Someone with USAA hit our vehicle. After avoiding it for over a month, they then accepted 100% fault. Tried every delay tactic in the book. They have lied several times to avoid paying to fix the vehicle. I now have turned it over to the department of insurance. They are not happy and have taken over! I feel sorry for anyone who has to deal with this company!

First, I am a 50 year customer of USAA. Today, you are only a customer, nothing more. It is virtually impossible to get a customer services rep on the phone. Phone menu is lengthy and burdensome. Had to call twice. Got cut off from first unhelpful rep and then finally got a second rep who was equally unhelpful. Cust. Svc. Reps. have no authority to explain or settle even the simplest of matters, managers are impossible to get a hold of and reps do not, and will not, call you back if cut off. I'm actively searching for a replacement coverage.

I used USAA in 2012 and I was late a couple times as I simply forgot about the bill. My fault, mistake, no big deal. After being late, I think 3x, they said I had to pay my bill in full, and not monthly increments. Cool, whatever, stupid idea that no one else ever did if I was late, but whatever, my own fault and beside the point. I tried to get them a year or two later just because I was looking around and they were the cheapest. No go, I had to pay 900 up front. Back then I couldn't do that.

First, I must state I am a 50 year customer of USAA. Realistically, USAA only exists now for the benefit of its upper management. Being a “member” ended some 35-40 years ago. Today, you are only a customer, nothing more. USAA’s customer service actions and policies are dictated by its accountants and attorneys. Taking it a step further, Cust. Svc. Reps. have no authority to settle even the simplest of matters, managers are impossible to get ahold of (and do not, and will not, call you back within the CS representatives offered 24 to 48 hours!) and upper management hide in their ivory tower impossible to contact or reach.

Someone who had USAA hit my car and I had to take it for repair. My experience with USAA was not good at all! I had issues with the rental car. I spoke with someone called Ricardo ** and he did not want to help me, even when I explain how things happened. He was not professional. The first lady who took my claim was really nice, and explain everything clearly. I am not sure if Mr. ** is the problem, or it is just USAA the problem here.

I have been a member of USAA for 30 years and am a retired Army officer. Their service used to be exemplary. I recently had an auto-claim (3 year old truck with 35k miles) and they tried to strong-arm us into taking our vehicle to one of "their" shops. Horrible experience, eventually they agreed (sadly) that the truck was totaled and gave us a ridiculous "fair market value" for the vehicle.

My truck crushed with a car flying off the freeway 5:00 in the morning on February/15/2020 while it was parked in the street. Since I didn't have full coverage on my truck (collision), I had to follow up with the other party's insurance to collect my damages. My truck was totaled and sitting in the tow yard. At the beginning every thing was going smooth. I've got the other driver's insurance info and claim number from my insurance company. Their auto insurance was with USAA. I've contacted the adjuster Fredrick ** and he promised an easy process (claim number **). I even went to CHP to pick up the accident report myself to speed up the process. I went to tow truck yard and paid them the tow fee and gave them the truck's title to wave any storage fee by Fredrick's approval. I sent them everything via email and the link they provided me. They even sent me an estimate for my damages.

We joined USAA in 1991 when we were in Puerto Rico. My insurance agency wouldn’t insure our car there, so we joined USAA and purchased car insurance with them. Towards the end of my tour, we ordered a new car from the on base overseas car buying program. In 10 minutes, I was able to call, get preapproved, and the fax sent was sent to the office that did the overseas car buying program. We were super impressed. Over time, we moved all our financial products over to USAA. The only thing I wasn’t that happy with was their investments, but we tried them out and also retained a financial advisor.

It's really sad honestly.....I've had USAA Insurance for over 35 years. In the past I can easily say there was no finer company to do business with, they had my loyalty unquestionably. My understanding has always been the intent of the organization was to offer great insurance at a reasonable price to Veterans and their families. Over the last 5 years or so, I've seen their customer service decline, while at the same time, their rates going up. I recently purchased a new vehicle and when I went to add it to my policy (I'm 50's good driving record with, one minor fender bender, never totaled a car in my lifetime) they wanted to jack my policy up by over $1000.00. I shopped around with other very reputable insurance companies and found all were willing to insure me for 30-45% less (and yes with comparable coverage).

This may have been true in the past. I had been with USAA for almost 20 years with only 3 major claims (and none on the 3 homes I have owned with their home owner's insurance. I was involved in a hit and run at the hospital I worked at (happens at least monthly to all of us). The investigator came a week and a half later to ask what parking spot I was in and I told them what I thought (who can remember in a HUGE lot even the same day!). The one camera on a shed happened to show only that exact spot and turns out I was wrong. The investigator also went to my auto repair shop and told the manager he thought I was, "making up stories." VERY unprofessional. The auto shop called me and told me they thought it looked like classic hit in a parking lot.

Going thru a Separation and merely called to INQUIRE about my coverage and status and got asked a series of questions WITHOUT being informed that my answers would cause COVERAGE IMPLICATIONS...Apparently INFORMED CONSENT does not apply in Insurance, only health care. After answering questions related to our separation and where we each reside TEMPORARILY, I learn that since I am not the Primary (essentially not the breadwinner) that only my car is covered but NO LONGER ARE MY BELONGINGS (even though I have a JEWELRY rider on the account)...typical, you pay for something and then they bag it when there is any concern or issue, no claim, just a temporary living change. AND now any passenger in MY car that is covered is not protected, EVEN THOUGH WE HAVE BEEN PAYING FOR IT for years (so WITH a TEMPORARY change non-breadwinner/primary is NOT COVERED).

I kept waiting for them to send me my title procurement paper. They were emailed to me before you know 10-days were up. Rental car company demanded to have their car back. After Contracting USAA Insurance it was their policy that on all total Vehicles get 10 days. After asking them how was I supposed to get my car paid off if they never sent me the title procurement papers and why I would have to be responsible for this rental car when they have never sent me the papers. I get no answer back in return except I'm out of about $450 on a rental car. Why even pay the insurance I say..??

I am not a USAA member, but was hit by one. He backed into my legally parked car in a parking lot. USAA first claimed that they could not sent an adjuster to go inspect the damage for an estimate for an entire week (which is ridiculously long). Nine days after this, I called the body shop to check the status. They told me USAA had not sent anyone out yet and were not planning on coming until two days after they had originally said they could. Because of this, the body shop asked if they could simply take pictures (which USAA already had) and send an estimate. USAA agreed to this, and the body shop was able to finish my repairs.

I recently lost my phone and access to my email and USAA customer service has no solution for me to access my account. I will have access to my phone number when I purchase a new phone and regain access to my emails when work is accessible again. I can't believe there is no other way to verify my identity with a phone call. I will be closing down all USAA services due to these draconian measures during a time of a national emergency.

I would give this company negative stars if I could! There is no way a veteran should have to go through bad experiences with a company when I am spending my money. It's just totally bizarre! Time to find a new insurance company. Not the most exciting thing in the world, but I should not have to put up with rudest when I call and ask why my rates have gone up. Don't listen to those commercials that say how great this company treats veterans...it is total B.S. One customer service rep (I don't know about the service part) told me if I don't like it find a different company...well I believe I will take you up on this offer. And I am a driver over 55 and no tickets, so you would think they would want a driver like me! Well time to research other companies!

Halfway through making a left turn, from the main roadway, USAA's insured driver, stopped at a stop sign, decides to pull out and T-bone me. He admitted fault at the scene and, according to the USAA adjuster, admitted fault to USAA. Here's the kicker. SOMEHOW, I was found to be 20% at fault by USAA, due to "not trying to avoid the accident". WHAT?!?!! How does one avoid an accident they don't see coming? I only have liability, and they knew that, so they swindled me out of any compensation. In the state of Maryland, if either driver is found to be liable for ANY percentage of an accident, NEITHER insurance company has to pay for the "other" driver.

Four people at USAA stated they would consider our evidence that we could not have been responsible for the accident if we provided measurements to show our front end is NOT narrower than the side fenders (Where the damage occurred). They were claiming that their client had a door open which we ran into... But pictures show there is NO damage to our front end. They claimed our front end is narrower than the side fenders. Our claim is that their client opened the door as we passed by.

Update: Even though my experience was as stated before. I have since had another claim and it went better. Not great like before but better. This claim was for the theft of items from my storage unit. I was informed by someone that owns a storage facility. That home owners will not cover the unit and that only renters insurance would. I was surprised to find that USAA home owners insurance did indeed cover the items I had stolen. This was a large unit and had several thousand dollars worth of items stolen. They covered it and paid but held a depreciated amount and would pay that as I replaced the items. It wasn’t extremely smooth but enough so that I am glad I didn’t leave USAA?

It is sometimes hard to understand outsourced customer service issues due to language barriers. When you need USAA you will speak to an American and your issues will be handled with superfast resolutions. Also you can't beat the pricing on their products (You will save money). They take the extra step and measures to take care of Military, Veterans and their Families. I also urge you to look at all of their insurance product for your needs.

I got in to a accident on February 7th 2020. I have not spoke to anyone. I had to do all legwork and keep calling. If you get hit by one of their clients good luck to you. It's been a month now. Big headache.

Hello to all. I hope this comment finds you and finds you well. Where do I even begin to start on explaining what I have been through from these people? I wish I could have given zero Stars. I am writing to all the people that are looking for services with USAA so you DO NOT have to suffer like I am with this company. Also, I would like to state that I am 100% accurate on everything I am going to say here! To start, I am a disabled combat veteran who has been nothing but a good customer with this company. I've been with USAA as a customer for about 10 years now. I have not cost this company a single cent in auto claims since I've started with them. I have wasted hours of precious time on the phone with them over the years because they can't get simple tasks right that I have asked. All I would simply ask is to mail me a paid in full receipt when I pay my policy in full (proof that it was paid) and to mail me my insurance cards.

I have had USAA auto insurance for almost 50 years, and my parents had it before that. My husband and I are currently looking for another insurance company due to shoddy customer service that has increasingly gotten worse. A car backed into mine in a parking lot, after I had fully pulled out of my stall (submitted photos clearly show this) and was preparing to move ahead. The arbitrator USAA hired to evaluate the incident declared a 50/50 fault, despite the evidence to the contrary, and using reasons that made no sense based on the photos.

The most inept, rude terrible company. I've been a member for over 34 years, and the quality and service of this company has become unbearable. Rude agents, inept employees, constant errors. The service has steadily deteriorated over the past 14 years. Don't use this company, save yourself the trouble and aggravation.

I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4 years I’ve been consistently making deposits by buying money orders because they do not have any other way for me to deposit cash in Arizona. One day I received a a phone call from a USAA employee asking me all kinds of questions about why I deposit most orders and where is my cash coming from, etc. She was extremely rude, I felt like she was treating me like I had done something wrong and I was a criminal being interrogated. It was so intrusive, rude and offensive. I asked her why she is asking these questions and she snapped at me and said “because it’s my job!”

USAA will raise your payment without you being notified, when you are in a bind they could not care less, they want their money. Their call center people are no more than goats to make sure Warren Buffet is getting paid. I have not had any accidents or tickets for 1 year and they raised the payment. I have been overpaying to catch up since Sept. but they do not care. MY FELLOW VETERANS PLEASE DO NOT USE USAA.

USAA DOES NOT HELP MILITARY LIKE THEY STATE THAT THEY DO IN THEIR COMMERCIALS!! PLEASE READ THIS AND REPOST!! This vehicle claim started on 2.04.19 – after over a year long struggle to have my truck fixed from being hit by an uninsured, unlicensed, non-US. Citizen on 2.04.2019, and paying my $500.00 uninsured motorist deductible; my claim is STILL NOT RESOLVED. USAA has been going back and forth on replacing the small back-up camera embedded in my bumper that was unfortunately damaged and is inoperable. I have fought for them to replace it, and jumped through many different “hoops” [USAA asked for price to replace (provided in June of 2019 - $280.00), then asked for a diagnosis from electronics store (which was provided in August of 2019)] and they have dragged their feet since June of 2019.

Lots of transaction issues. Not showing deposits and other transactions for hours. Not reconciling account in sufficient enough time. Poor customer service. We have been hung up on and lied to about small details related to our account as well. This morning I filed a formal complaint about money we have not seen for a week. This is becoming very consistent.

My mother in law got into a car accident on the main road and was verbally told by the officer on the scene that Yes, she is supposed to yield to oncoming traffic, unfortunately she cannot yield to something she cannot see. The other car involved was a black sedan driving without headlights and the street was not properly lit. I don't understand how she is being held 80% responsible for this accident with two other witnesses one being another officer from the neighboring county who verbatim said the guy had no lights on and no one was able to see him until the accident happen. Then the rep on the phone proceeds to tell me that his analogy is "if something is on the road and you have your headlights on and you hit it, it's your fault."

Due to their ** timing and horrible service very very **service I lost out on my Mustang upgrade rental and now I'm stuck with a little Mazda for 2 weeks. I am looking for better insurance immediately. 100% dissatisfied. I would never recommend USAA to anyone ever. BIG MISTAKE.

First thing they do is make you join their website. This is probably so they can spam you later. Tried using the website to get a bundle quote for home and auto was not working properly. I called USAA and will spent over an hour and a half getting a quote for two vehicles and home. I was given the quotes over the phone and asked them to send them to my e-mail account so I compare them with other quotes I've gotten from different companies. When I got the e-mails they were not the same prices that were quoted to me earlier. Very poor attempt at a bait and switch. So I went back to the website to cancel the account so they would send me any e-mails or anything to that effect or call me. You can't do it. Had to call customer service.

USAA rates went up but $200 dollars (no claims, no accidents and no tickets). Talk to rep and got comments like state sets rates, rates based on all people in state, etc, etc. They are the least expensive, give best coverage,etc, etc. Almost like they were reading from a prepared script. Could not answer a simple question, without rereading the prepared script. A quick comparison, shows they are about 300 to 500 dollars more expensive then other leading companies for same level of auto coverage. After being with them for 38 years, it is time to change insurance.

I was hit by a USAA insured driver. USAA adjuster handled me like a child. She was extremely rude to me. They did not fix my car properly. I escalated the call to their corporate office and they backed the representative being rude to me. Said the adjuster was being firm. How is that to treat a victim? It was a nightmare. I could not believe they would treat me (being the victim) so horrible. Stay away from USAA insurance.

I had to jump through all the hoops in ordered to get a quote, only to find they were much higher than Geico. I went back and removed any extras and then lowered my coverage level and they were still about $200 more (per year) than Geico. I wanted to close my account after that, but you can't unless you talk to someone (probably in sales) first.

I was recently involved in an accident with a USAA insured. Their insured openly admitted that she disregarded a red traffic light to myself and the Police Officer and plead guilty to a moving violation in court, yet USAA claims adjustor Reynaldo ** only wants to pay for 75% of the damage to my vehicle. Although I have been majorly inconvenienced, I have been more than fair by not renting a car and I have stored the vehicle at my home so that USAA would not incur the added expense and yet still they decline to pay the full repair bill. Mr. ** has told me that his decision and actions are supported by his Manager and Director.

I chose USAA because I am a retired Navy veteran. After a poor financial month, I got behind 1 payment, and USAA cancelled my policy. They "offered" to reissue it for $1,600 more per 6 mos than it was.

I'm still with them because they offered to keep my full coverage at 137$ a month, but it seems like I'm calling once a month to try to figure out what's going on. I'm worried that the reps may be getting incentives to raise rates, because on one occasion I was given the impression that I would be paying 300+ a month for my Auto bc I was bundling with property, only to find out that we never finished setting up the property insurance, and I was paying that much JUST for Auto. Also, if you are on auto-pay, be careful. I was a little short this month, and they attempted to withdraw 3x, so 90 in bank fees and at least 40$ in fees from USAA and they are saying that if I don't pay this month, the late fees and next month's bill, they will cancel my insurance. Very unforgiving.

USAA predetermined how long it would take for my car to be repaired. The auto body shop took longer than USAA thought it should and when I returned my car to Enterprise they told me I owed almost $400. I contacted USAA and was transferred to the Enterprise Rental Car department within USAA. I never received a call back and in my ignorance, assumed they had taken care of the issue. The wreck was not my fault. I was rear ended by one of their customers. I wasn't notified that if the car wasn't ready at a certain date I was responsible for the rental car. I couldn't get the original adustor that was assigned to my claim to return my call ever.

It took over 2 months for USAA to acknowledge that their insured customer was entirely at fault for clipping my fathers parked vehicle. I did all the leg work for my elderly father and jumped through all the hoops USAA asked of me. There was plenty of it. I took it upon myself to visit Si's Autobody for an estimate — a well known neighborhood outfit with a good rep that has been operating on the same lot for over 40 years in N.E. Portland.

I called and talk to a agent. It was terrible. She was so rude!! After repeating myself several times. I finally gave up, and hung up. They say it’s so good. But I find Farmers gives military discounts. And much friendlier. I would never recommend this to a fellow veteran. USAA is a joke.

I've had USAA since I got my license at 16 years old. I'm now 65. A few months ago I was rear ended in a 5-car accident, my car was the first of the 5. I was hit 4x. I already had back issues, and the accident compounded my lower back and neck issues. USAA did not step up to the plate when my car, being towed by THEIR tow company was subsequently damaged by their tow company. The body shop stepped up and covered the expense. Then during my physical and medical rehabilitation, they stopped paying Medpay to my doctor. Said I didn't need any more visits to the doctor.

I have been trying for almost 2 weeks to get my claim put through for a totaled vehicle with this company. No one there seems to quite know the status. One person gives me an answer. I call back in the afternoon completely different answer. I have been forwarded to so many different departments getting different answers and still stuck in the same situation. All I want is to speak to a supervisor and they just keep reading off the computer screen whatever they are told to say in this situation. SO after 2 weeks, I am still stuck in the same situation with no car.

My nephew recently had a claim with a USAA customer while driving my mom's van. The accident happened in MO and he lives in AR. The accident, on 12/30/19, totaled my moms van. As of today, mo one has helped my mother with this claim. She obtained a police report and when she finally got to speak with the "adjuster", the lady told her "We don't go by the police report to determine fault. We take a statement from both parties." Well her insured did not report the accident and has not returned her calls. I understand the need to discuss with her client but they have to have some common sense in this. I have just never seen anything like it. If my mom had physical damage coverage on her van, we would have gone through her insurance company. We are stuck between a rock and a hard place. I would not even give USAA 1 star if it did not make me. They are the most awful company I have ever heard of. No compassion, rude, just awful.

Everyone might have a different experience depending on whom they will get on the phone. I am sharing my personal experience. I had to make four calls to claims department to resolve my problem. I explained my situation to four different reps, and they advised me to take certain steps which did not lead to resolving my problem, since the steps were wrong. I waited and waited, and nothing has happened. Then I made a fifth call to find out that all I have been doing was wrong. I decided not to bore anyone with the details of my car accident.

After 10 years of being a loyal customer, 2020 will be the year I find a new bank. I recently experienced an accident with my credit card which resulted in a substantial fee. Not fully understanding the issue, I called customer support to review options - especially how to prevent similar occurrences from happening moving forward. While doing so, I was told that as a courtesy, USAA would waive the fee. I was further told that I needed to await the fee to post and to call back to then resolve the matter. Upon posting, I called a few days later and a different representative had an entirely different story and was firm that the fee would not be waived. I rebutted their hostile response with my reasoning based on that I was explicitly told conflicting information. I was then met with suspicion, as if I were trying to game some sort of system.

I've been a USAA member for approx. 30 years. I have always paid my bills on time. My ex-wife filed bankruptcy and I was a NON-filer. USAA bankruptcy refuses to provide ANY details of a joint auto loan except to my ex-wife's bankruptcy attorney. The vehicle was awarded to her in divorce. I am the person who ended up with USAA having derogatory credit through nothing I could affect. I am beyond frustrated and believe this is beyond ridiculous as they will not annotate this fact on my credit report. I am done with this company. I am a retired military officer and 100% disabled veteran and am disgusted by the treatment received after having many loans through the years with this company. I tried to resolve the issue and can't even get amounts owed or anything else with the loan due to my ex-wife's bankruptcy.

I have been a USAA member since shortly after my active duty days from 1992 to 2000 and planned to be a member for life. I have always received wonderful service from USAA throughout the years. This is the main reason why I always chose to stay with USAA when I have been continual reminded that USAA products are not the cheapest. It was always the great service that swayed me from ever leaving. Therefore, I have been utterly dumbfounded recently during the process of a simple roadside assistance claim. USAA's third party contractor damaged my vehicle when changing a tire. I had the damage repaired and now USAA refuses to refund me the cost of the damage. Seems as if USAA's customer service has been going downhill as of late and I am wondering if it comes from the top since they have recently changed CEOs. Sad that they will lose faithful customers over $400 plus dollars.

On 12-20-19, I was in an accident where a 16 year old failed to yield and turned left in front of me. We crashed. I had dashcam video showing I had a green light and right-of-way which I provided to USAA along with photos of my damage the same day I called them. It was a no-brainer. Their adjuster never called me back or e-mailed me after I left numerous messages.

So I placed claim after getting nowhere with Safelite under, so Safelite claimed responsibility have recordings, pictures to prove and we together agreed until they realized the extent. So after a year long fun filled amusement ride I finally sick a dizzy, get off the ride, now I have to get on the USAA ride who mind you I pay full coverage whatever that means because apparently you have to speak a well hidden and private language to get any kind of practical just plain dignity from human to human, common sense right? I guess I just expect what I pay for on a monthly regular basis.

The USAA driver hit Rear-ended. I am not a USAA Member. They are not willing to pay my rental car to compensate me by their insured Driver who is being charged for the accident. I am sickened and so disappointed in the USAA insurance adjuster!! They must see my attorney.

I had USAA for over 10 years and always paid my premiums on time. My step daughter was rear ended in the high school parking lot by another USAA driver and despite the fact that there were witnesses and a police report that verified this, USAA drug their feet and it took forever to get her a rental car and even longer to get the damage fixed. I will never use them again even though I have to pay a little more with another company. What good is insurance if it doesn't cover you properly?

Rear ended and then hit & run by USAA driver. USAA offer is ridiculous! I am also a USAA member and they are definitely not looking to be my advocate! They are not willing to pay all bills nor compensate me for injuries suffered by their insured Driver who is being charged with a felony because of multiple DWI’s. I am sickened and so disappointed in USAA!! Beware if you get hit for a long battle.

Similar to other posts, USAA has become far worse in the last year or two. My car was totaled, and other driver at fault. Progressive not helpful at all, and USAA would not help me out and gave a bargain basement wholesale offer for the car, 30-40% below market value. I am actively looking for new insurance after 24 years. I am looking for cheaper and better. It seems USAA has decided to go for profit over quality and lost sight of its advertised mission. Their advertisements about looking after active and retired interests is now marketing propaganda. Sad change in the company.

On 11-25-2019 I was involved in a collision with a USAA insured driver who failed to yield right-of-way to me. The USAA insured driver admitted fault. It is now 1-20-2020, and USAA has not paid the claim to repair my vehicle and provide a rental. The assigned USAA adjustor does not return calls or messages. I have had to wait on hold for a call-taker to get any information at all. First the call takers advised that USAA had not yet talked to their insured. After taking 3 weeks to obtain a statement from their insured, USAA states that they are only 60% liable for my damages. When I realized that their driver was turning in front of me, I had braked hard and steered hard left in an attempt to avoid the collision.

Zero stars would be too many. My vehicle was rear ended by a USAA insured driver. After reporting the accident to USAA, weeks went by with no contact or communication from the claims adjuster. I eventually gave up and spoke to any customer service service rep that answered my call. I was told that USAA would be covering the cost of the repair and to take my car to the body shop for an estimate. A rental was also reserved for me at that time. My vehicle was dropped off at the body shop on 12/04/19 and on 12/09/19 I was notified that USAA had declared it a total loss. At that time, USAA instructed me that they would not be covering the cost of the rental past 12/12/19. So they leave me with no car and no payment just 3 days after deciding to total out my car. The least they could do is cover the cost of the rental until they issue payment for my totaled out car!!

So on 12/21/2019, my car was totaled by one of USAA drivers that ran a stop sign at full speed. In the beginning, everything sounded good because my husband told them he didn't want to sue them. We just wanted our car repaired, well they said the car was totaled and everything went downhill from there. The adjuster put us in freaking rental car for 5 days max and we had to start paying out of pocket which is ridiculous since they have not sent payment for our car yet.

After being with USAA for over 27 years, My husband and I are thinking about canceling our insurance. We have been trying to get our subscribers money taken off our car insurance, since we had a choice of where we wanted it to go. We asked for a check, and when we talked to a representative she said she would fix it. Well, after being on the phone for almost an hour, we just got off the phone with a supervisor saying that their representative made a mistake, and there is nothing they can do to change it since the money was applied to our car insurance. So even though it was their mistake, we are the ones who pay for it. This is the first time we have ever had an issue that wasn't resolved. Think twice before going with USAA, things are not the way the were when we first joined them.

I am in the process of dumping USAA after being a member for the past 5 years. In November 2019 I was in an accident, which was the other drivers fault. My vehicle was totaled. I figured that due to the accident being the other drivers fault that this would be a fairly pain free process to go though. I couldn't have been more wrong. USAA has still not paid me the agreed upon payout for my vehicle, even two months after the accident. According to their own website, the payment should take place 24-48 hours after they receive all documents. This couldn't be further from the case.

I was hit by someone who has USAA on 11/27/19, it's 1/10/2020 and I still don't have a settlement. It took two weeks for me to get a rental approved by them and then they made me turn it in a week ago yet I still haven't received paperwork to sign and finalize the claim so I'm unable to purchase another vehicle. Forget about talking to "your" claims adjuster cause they're never available, you just have to talk to whoever answers. In hindsight I should have just went through my own insurance and let them deal with USAA. That would be my suggestion to you if you are unfortunate to be in this position.

I was in a minor accident. I reported it to USAA. It has now been a few weeks and I still can't get the help I need. I continue to call and they keep sending me to different departments. No one seems to know what to do. Today I've been to 4 different departments and been on with them for over an hour. They might be a cheaper insurance but they are definitely not worth it.

From 2015-2017 my family was going through an estate/probate case after the death of one parent. As expected, medical and legal bills started to pile up - long story short my vehicle was behind on payments. At the same time, the car was offered to be bought back in VW's TDI emissions case. (Easy deal right?? Have VW pay for car = no repossession on acct because USAA gets paid in full.) WRONG! After numerous calls with USAA, even getting VW on the phone with them, what do they do?...Go right to auction with the car a month later and stick me with a towing bill and repo on my credit report. So much for "our customer's come first" B.S.

USAA customer for 45+ years. Insured a 2004 BMW 330I for 14 yrs with total payments of $15,000+ without an accident claim. Recent accident resulted in damage $3,930.43 done by 3rd party using “virtual” process. USAA determined to "total" the vehicle; we desire to repair and keep the vehicle. USAA under-valued the car at $3,963 failing to include all options on the vehicle. USAA could not find equivalent models with same special equipment anywhere in North America - so USAA used other models as examples for valuation. We provided documentation of only equivalent models to be found – but located in Europe and having a MUCH higher value. We also provided documented examples of more similar models found in North America – also with higher values. USAA would not change their valuation.

Fighting with USAA to simply have them pay for an accident that 100% not my fault. They won't pay for my totaled vehicle prior to removing my rental coverage. Horrible. Leaving a customer on the side of the road. Don't believe the military service BS in their advertising. Disgusting.

My car was in an accident with one of their insured. The facts were plain and simple, their insured was at fault 100%. They were speedy and got us a quote to pay off my totaled car fast. That's when it went bad. They gave it to us Saturday, told us we had 3 days from when we received it to return the rental. Now I am paying $24 a day for a rental car because I have not received any paperwork to turn in the title. They won't give me the settlement until about 7 days after they receive this paperwork. So to be clear, I was to turn in the car Monday and not have a vehicle for at least 2 weeks, or pay for a rental $25 a day for 2 weeks or more. To top it all off new years is adding to the delays.

I was persuaded by a family member to switch to USAA. I managed to make it 25 years of marriage without any home owners claims or auto claims. In the past 2 years we have had one lightning strike to the home that has caused multiple things to break and malfunction. The claim ended by USAA using an outside company to come in and be the deciding factor stating it was not lightning, they did not help us with $18,000 in repairs. Fried geo thermal, fried well pump, fried sewage sump pump, fried ground wire, and a continuing cascade of small motor malfunctions not included in the above number. (Dryer, ceiling fan, microwave, etc.) Other experts agreed this was most likely due to the lightning strike in our area recorded by the power company and weather service.

I had my car insurance and auto loan with USAA. My car was in a accident and USAA told me my auto loan was paid out but they sent the check to the wrong department 5 times. It looks like I defaulted on my auto loan. My credit score dropped tremendously. I have talked to staff on the loan and the insurance side my issue is still not fixed. I have been with the company for over 5 years. The departments don't communicate with each other at all.

First one: Oct. 08 2019 I contacted them to inform them about selling one of my cars so I didn't have to keep paying premiums on a car that I no longer owned. They would not take my car off unless I answered questions about other insurance I had with them. She refused to delete that car from my policy.

I want to give a kudos to Tandy (operator #**), a customer service representative with the company. She really went above in beyond in helping me adjust my plan. She made me feel like we were old friends and just seemed like she really enjoyed being able to help others. She provides excellent customer service and with ease. Tandy was very personable and anybody who gets a chance to work with her in the future lucky. Usaa has always provided myself and my family with great care.

Updated on 01/16/2020: I call today to cancel my USAA car ins. While talking to the woman she tells me my final is $351. I was drooping them before I had to pay $980. She tells me that this prorate amount and I owe either $980 or $351.. Tell you honestly this makes absolutely no sense. The Final Stab in the back

One of their insured rear ended my car. They claim complete fault in the accident. Problem was getting a fair settlement for my car. USAA totaled it based on estimate from an approved garage on the USAA list. The garage said "Nice car, we could fix and sell". I told them I wanted to retain the vehicle. They totaled it. Everything on car from garage was listed good or very good. USAA and/or their estimate company gave very low value of car. I disputed, sent in receipts for up keep. They raised value $50.00. Then stopped communicating with me. Said had to send in title by MD law to get a settlement check from them.

(Shouldn’t have to give a star to review.) (You deserve negative stars.) Demoted! I Talked to 6 people from USAA. The automotive voice is terrible. I just want to talk to a person. My phone was about to die and usaa wanted me to type and drive! That’s why they push full coverage. I have had no problems until now. When I had Allstate they brought me a tire when mine was flat and my spare ended up being flat. Usaa does NOT do this. They tow your car. Every auto place is closed so won’t get my car till tomorrow evening.

I was hit as a pedestrian and SEVERELY injured. I’m still dealing with the injuries 2 years later. They refuse to pay my claim for insurance that I paid for. I am having to take them to court but in the meantime they have hired a slimy lawyer to pull up everything about me and use it as ammunition and make me justify every injury (my pelvis is still broken), which doctors and specialists have testified to, and even then they refuse to pay. I’m in constant pain and I owe doctor bills they are refusing to help pay.

I was towing my bass boat through Kentucky on my way home to West Virginia in early November. It is now December 18 and the claim is till open. A USAA member hit me from behind on the interstate going 70mph. He hit so hard it knocked the motor off my boat completely and bent the trailer. It has been a nightmare dealing with the claim and customer service since day one. Granted, boat claims are out of the norm, therefore insurance companies are not set up to handle values and damage amounts. I am a very patient person, but I am at my wit's end with this claim. I get a different customer service representative every day along with a different story as to how they intend to handle the claim, whether it be total the boat, trailer and motor or compensate me for the damages.

I have been a customer for over 30 years and called to remove a car from the policy. They couldn't authenticate me because I didn't know my usaa.com login id? I knew everything else and provided my "phone" ID. Child's full name and birthdate. Could have provided any more info.. Because I don't log on to USAA didn't know my "login id" - who remembers those anyway?

Nearly 10 years ago I mistakenly added my soon-to-be step-son on to my USAA auto insurance. He was added about 5 days prior to me actually marrying his mother. Just so happened he got in a car accident 2 days prior our marriage and he put in a claim to USAA. The representative noted that he was not actually eligible to be covered under my policy since his mother and I weren't married until 2 days later.

I tried to get a quote for auto insurance from USAA. What I received was a flood of email and phone calls from everyone except USAA. Very disappointed that I could not get a direct quote from them. We already have insurance and were interested on a comparison since they USAA, claims to service current and former military members. BUMMER!!

Having been with USAA for 36+ years. Starting about two years the corporate culture seems to have changed from an individual focus to “numbers” culture. Originally, we were treated like family. Now you are just a number to USAA. Recently we applied for a VA refinance. The process was very tedious. After about 30 days into the refinance and having spoken with 4 different agents, we decided to drop the refinance. We were asked at least 3 different agents for information we had already supplied. Additionally, the attitude of the agents were at times condescending, nothing like what we originally experienced with USAA. We are actively seeking other insurance companies.

I had been with GEICO for about 10 years and had an experience that prompted me to go back to USAA. Prior to my new auto insurance policy, I had never had any issues with USAA. However, since I started this new policy over a year ago, it's been nothing but a nightmare. The customer service has been horrible. No one ever seems to know what they are saying, agents constantly contradict the previous one or the notes on my account. They suck at explaining anything. My daughter got into one MINOR accident as a new driver and my premiums just about doubled. And when I sold my truck and went into a smaller economic car which should have been cheaper to insure, I was quoted a decrease in my premium of almost 650 dollars.

USAA Roadside Assistance which was called on 11-14-19 to tow my car... I was informed that I would be responsible for $88 at which time I informed them of the conversation which was RECORDED on 11-13-19 that it would be Fully covered. They stated the call would have to be reviewed and we would receive a call back within 24 hours. 24 hours later no call back was received at which time we contacted them again. Had to explain the whole situation over and was now told they wasn't sure they could resolve it but he would speak with his manager and we would receive a call back of what they could do or find within the hour. Never got a call back at which time 11-16-19 we called back again to be told we would be contacted by a supervisor on Monday 11-18-19..

I am not their customer but their customer caused an accident. ADMITTED to his actions, and they have 'not yet determined fault' because they do not yet have police report. Due to this, I have had to pay out of pocket for rental vehicle and deductible while my insurance company handles the claim in the meantime. They do not care about how long it takes ("Sir, it could take weeks to get the police report" - Colleen in the Injuries department). I have also left multiple messages for the Adjuster - Lisa ** - She DOES NOT return calls. It is very frustrating that SOMEONE ELSE caused my accident and instead we are the ones paying for it a few weeks before Christmas and USAA does not care at all. I am very frustrated and I encourage everyone to save themselves the stress and hassle and not use USAA insurance.

Stay away from this RATS!!!! They will never pay your claim!!! Run from this company. They lie to you that they haven’t talk to their insurer who already admitted fault so they don’t pay you and you go away. They are bullies, believe me the day you need them they won’t be there. Run!!

My fiancé recently total our 2011 5.3L V8 2WD Chevy Silverado and they lowballed by about $3000 at least. The only trucks I found around us with close mileage, same color but about 20,000 less miles were all around $17,000 or a smaller engine with the same miles for $14500.... They are offering us around $12,000. I’m disappointed being at service veteran and being with them since I was 17 years old. I never thought they would screw me over like this.

I was involved in a accident with my lease vehicle, going on 3 months now and Volkswagen has records of sending them multiple times to change something so small as the detail information of what car it is. Three months and they keep sending the same document without fixing the error. If they switched to the correct information the amount pay out will actually increase due to the error obviously they don't want to lose money. Also, keep in mind the longer the insurance company rep helping you can ext out the time of payout, That Rep actually gets a $1,000 kick back. Which is why some insurance takes longer than usual.

We spoke to a claims adjuster in their office who stated they can help us with our claim even though they were not the original adjuster we spoke to. We were told we are not accepting responsibility the accident was 100% the other driver’s fault and the deductible is waived. Then I was contacted by another adjuster via messaging who states we are accepting full responsibility and will have to pay the deductible. This is unacceptable. Alexys ** supposedly took responsibility as our claims adjuster in the beginning. She got our information then completely disappeared. I called her for weeks repeatedly but could never reach her. I did talk to four other adjusters who stated they are all a team and Alexys doesn’t control the case. So I worked with each of them openly. They told me the other driver was totally responsible.

Heard of all the bling about USAA having great insurance rates so I joined up (can’t get a quote if you’re not a member). Finally got the quote....twice as high as Auto Owners! I’m no longer a member.

I have been trying to get auto and home insurance from USAA. I was given a quote and when I tried to pay my premium, I was passed around to several different people that said they worked for a service company and not USAA and each one gave me a different price. If service is this bad just trying to pay them, how bad will it be if you have a claim? They refused to allow me to talk to a manager claiming they didn't know who it was.

USAA assessed liability to me before they even received any pictures, description, or any evidence of the situation that occurred. What honest company does that? I've had 30 years with them, with nothing but a very minor fender denting, and this is what they do to me? No evidence at all, and they assess liability before even investigating? Yuk!

This organization is deceptive, non informative, and on the verge of being outright fraudulent. Don't even think about doing business with these clowns.

USAA is the worst company insurance I have never dealt with. After a car accident I was entitled to get a Diminished Value (about 2,000 USD) but they never did, they provided unbelievable excuses (low mileage, while the car had 24,000 mi) and they never reached me back, despite many calls and fax. Very unprofessional. A shame

So I was rear ended by a USAA customer. I filed a claim with my insurance company and decided to go ahead and let USAA fix my vehicle, BIG MISTAKE!!! I spoke with a USAA adjuster and they said they would investigate and get back to me. Three weeks later I called them and asked where they were at and lo and behold they hadn't even opened the file. They had to call the person that hit me and get them to admit fault and then process the claim. So finally I get to the point where I'm taking my vehicle in for repair and picking up my rental car and USAA won't even cover a micro miniature rental car.

I was involved in an auto collision with someone insured by USAA. An adjuster, Chris **, was assigned to the claim. My insurance company notified me that USAA would accept responsibility because they knew that USAA had not notified me yet. I left a message from the adjuster and when he called me back the call went from good to horrible when I asked him about the vetting process that USAA had for their preferred auto shop. Chris ** continuously talked over me and didn't give me a chance to respond when he accused me of saying things that I didn't say. I told him to stop talking over me so I could explain and he kept talking over me. I asked him to speak to his supervisor and he told me it would take 24 hours before she could respond. I called customer service and they transferred me to her extension immediately and I left a message.

It took only one short phone call to decide NOT to go with USAA for my vehicle insurance. A few minutes into the phone interview I was told by the female rep that I had previously called USAA, but I have no knowledge of ever applying to USAA for insurance. In fact I never knew of USAA's existence until today when I saw an ad on TV. I denied her assertion and she proceeded to ask additional question, which I found routine -- until she asked me to identify my children. I declined, to which she responded it is USAA company policy to get that info. Again I declined claiming my policy is to never reveal info about my children when they are not involved in the whatevers. She maintained it to be company policy, I objected. She then informed me she was going to end the call, and did. Without even getting a quote I am disappointed in USAA's customer service.

I have been a loyal USAA member since 2005 and at the time their service was outstanding. It really felt like a bank that was geared toward serving those who served. I would say since 2015 the bank has been in steady decline. My insurance rates go up every renewal for no reason. I ended up switching to Allstate and saving $50 a month on my car and $150 a month on my home. Forget about getting a loan through them they barely approve you for anything and put you on a high interest rate. I ended up getting my home through Veterans United and got a great interest rate and was approved for 100k more than what USAA would lend. I am slowly closing everything I have with them and transitioning elsewhere. The board is running the bank into the ground and the service proves it.

USAA is predatory. they prey on veteran's loyalty. They advertise as exclusive for military because they know you get paid on the 1st and 15th. Had them for 2.5 years. Monthly went up EVERY SIX MONTHS no matter what. Was quoted for driving roughly 10,000 miles per year, averaged only 7k. Never in an accident, never a ticket, no new drivers added, never anything but bills paid on time. Went up on average $20-$40 every 6 months at renewal no matter what. When I asked why, the reply was: it costs more to insure drivers in your area.

They run you around, waste your time, and lack customer service for banking products that are sub-par compared to Navy Fed or PenFed. As soon as I have time to shop insurance, they will lose our Auto and Home policies. They should be ashamed to represent themselves as caring for Veterans. I am treated better at Chase and Wells Fargo. Hopefully veterans will take a look at some credit unions for veterans that actually care and treat us with respect and not waste our time.

I don't want to wait months with patience and winter is coming and they know it.

As a more than 10 year USAA member I can't say how disappointed I am in the service I have received when my daughter was hit by a USAA driver. They were at fault. I went to their authorized repair facility the day of the accident and got the estimate. After 5 phone calls and changed adjusters I was told to go back for more pictures. Now, more than a month later I am still trying to get this resolved. Today was my breaking point. The Adjuster treated me like garbage and would not answer any of my questions and kept interrupting me. She said I could not speak to her supervisor. If this is HOW USAA treats veterans and 10 year members, this should tell you to avoid them like the plague.

Had a car accident (minor). USAA took over a month to send the deposit and they did not confirm the account info. It was deposited in someone's account (not mine). I ended up having to pay out of pocket. USAA told me today they would attempt to pull the money back but until then I was out of the money. I spoke to two reps & they both said two totally different things. USAA USED to be a decent company. You are better off using a cheaper company. They are overrated!!

Traveling on a 2-lane road, pulling a load of hay, we signaled, then swung wide to turn R up a steep drive. USAA driver passed on the R, clipping our front bumper and headlight. Their first agent did not know what zip code his own client lived in. It took 6 wk for USAA to obtain their driver's statement. They phoned him once per week. We had to provide them with their client's cell phone #.

I've been a loyal USAA customer for 20 years and have had no major issues with their products. However, my 19-year-old daughter recently had a bad experience with them that leads me to question my loyalty to the company. My daughter sold her car without immediately replacing it. She contacted USAA, her auto insurance provider, and advised them of the sale. She was told she would be refunded her insurance premium for the remainder of the coverage period. When she did not receive the refund after about a month, she called USAA again and was denied the refund despite previously being told she would get it. She was not given a reason, and had documentation of the initial notice of sale. She appealed the decision of the customer service representative online and won, receiving her refund almost immediately.

I was a I USAA member for over 30 years. My first claim was when my newly licensed 16 year old wrecked an old car I had given him. It was on a dirt road, no other vehicle, not impaired, just a teenager. The adjuster insisted on giving me twice what the car would have sold for, then my premiums doubled for two years during which I paid back that adjustment 4 times over! The last straw was when I called to insure a new home. The quote seemed high so I contacted Allstate. When I asked USAA to meet their quote, I was told by a manager that they would stand by their 3 times as much quote. I am no longer a member, I believe they are taking advantage of Vets, and I implore my brethren to shop around.

USAA insisted they open a claim when I called to ask a question regarding roadside assistance coverage. I did not request or receive roadside assistance or towing. USAA told me they needed to open a claim, but it would not "count against me" as a claim. They then recorded it as an open claim and recording that they towed my car when they did not. When I recently asked that this be corrected, they again noted it was not affected the price of my insurance and refused to correct it.

I ask for free online quote, it says you have to JOIN to get it? Why do I have to join? I just want a free quote for insurance. I dont want to call...hence the WORD ONLINE. What a joke. I also dont want a billion phone calls from them either.

The worse banking experience! I request to have my accounts closed immediately and my funds mail to by check and I been getting the round around with these guys for over a week now. They transfer me 7 times! Yes 7 times only to let me know that have put in a request and will get back to me in three business days. That baffles my mind because I was told that last week and now I’m hearing the same thing again. If I request that my accounts be closed just do it and send me on my way. But no. Apparently the department that does this you cannot transfer to them. So why is it a department within USAA if there is no one there to transfer to. Bottom line up front close my accounts immediately like I ask and mail the check!

I have been with USAA for 8 months. Within that 8 months they took 2 payments out 3 times - May, July, and October. In May and July, I caught it while it was still pending in my account but no one mentioned looking into the matter further - and believe me, they have a major billing issue. In October, I didn't catch it until after it had been taken out. I spoke to one smart-mouth who told me that the transaction only shows pending with my bank and will fall off. I called back and spoke with a rep and eventually escalated to a "self proclaimed sup" and they both swore me down that I made one of those payments myself via the mobile app. I told them that I know better than anyone that if I have auto pay set up and I still make a manual payment, auto pay will still take the scheduled payment - they have a disclaimer that states that as well before taking the payment. I only made an online payment to my Amex card.

It all started when our vehicle was broken into! Of course, we filed a claim for the items stolen from our vehicle. I could sense that we were ** out of luck when the insurance claims investigator treated us like criminals, as opposed to the victims of a burglary. Long story short, they denied our claim so what was stolen is lost for Good and now they’ve made the decision to close all of our banking accounts, along with canceling our auto insurance. It’s evident that they could careless about us getting robbed and they would rather punish us for the fact that our car was broken into, instead of being helpful with the situation! They’re definitely not State Farm because we definitely were not in Good hands!

We have had USaa auto insurance for over seven years and many times thought about changing companies over smaller things. We noticed friends had included with their insurance that USAA didn’t offer but we didn’t because we were loyal to them until I received my statement this month and seen my rates more than doubled out of nowhere. I’ve never had a accident or even as much as a speeding ticket in my life or ever been late on a payment. And when I called customer service they couldn’t explain why only that this was my new price I needed to pay. So I’m happy to now say I’m a new customer with Geico insurance and will never recommend Usaa to anyone. I wish I would have went with another company sooner.

I am a Senior Member of USAA (over 45 years) and can't believe how horrible this company has gotten over the years and how they treat their senior members. I filed an auto loss claim on my 2017 Ford F150 and never received promised phone calls, if you disagree with the decision there is no way to talk to management. If you make a request the standard reply is "sorry there is no one else you can talk to". I was still waiting on a return call from the claims department and after waiting a couple of weeks I went online into my account and found out they closed my claim. I didn't even know about it. I would never in a million years ever recommend USAA. Armed Forces Insurance does a much better job.

USAA wanted to force me to pay insurance when I had to salvage a vehicle due to its age and wear. Because I chose not to carry insurance for the time period that I did not own a vehicle to insure, they wanted me to pay a full 6 month rate up front right after I had just purchased a vehicle. That's how much they care. They don't value the service of my grandfather's, my father, my son, my uncle's or my cousin. I got the same rate from some piddly insurance company with monthly payments. USAA is giving false value to our men who served. USAA is a money making scammer.

Just absolutely the worst claims service that I have ever seen. This needs to be investigated for fraud. From low balling to sending checks hoping that you accept the low amount and dont call them back to telling you where you can and cannot get the car repaired. Then telling you diminished value of a car from before and after accident only dropped 3$ total. If this was 1920 maybe that would have made sense. A scratch on a car makes it worth 3$ less. How could an accident that requires both a rear and front bumper replacement only change 3$ value. If you have to deal with them lawyer up and sue them to ensure you get treated properly.

In over 45 years with USAA, I've had 3- 4 fender benders, bought a car through them, transferred car insurance on a Saturday on a car that I paid cash for, obtained a mortgage from them, obtained flood insurance in the low country, and rely on a visa from them the most because they do not penalize you if you miss a month, without ANY problems. Plus they have always been extremely nice. While I've been a member, I have lived in SC, AL, NY, NJ, VA, NC, and DC with no issues. They have earned my trust, unlike so many corporations that suffer from American 'greed' not ethics. I don't usually write reviews, but after reading all of those negative reviews I felt compelled to rebut them.

I bought insurance for my personal articles and jewelery! Serving the country for 8 years of my life with the Marine Corps and Navy I felt that I should become a member of USAA based on their ads!! Can you believe it? When I had my property damaged and stolen they had the nerve to challenge me saying that I had never owned my property and after providing receipts, pictures, and proof of all of my items they sent me a lousy 1000 bucks!! Folks, Veterans, UNITE and get rid of USAA and go to another insurance company. I am now with Progressive and they do a great job! I am going to the VA next week to advertise my issue with USAA and lots of people to join my cause. Also, I am forming a Class Action Lawsuit for BREACH OF CONTRACT with these BOZOS!!! So Stand by :)!!!!

My mother is elderly with respiratory issues. Her A/C located in the ceiling sprung a leak which did moderate damage to her home including her wood floors. I am well over a month into this claim with still not resolve. At first they advised I had to send the condo BY-Laws which I did. Then it was "we need the insurance certificate as well" which was sent only to be told they need a CCR which was incorrect.

All of my damages have been an act of nature. Hail storm, they said half of it was "existing damages" on my New Car. I have video footage of the hail storm while in my car. Now I find that if you strike any rock, lumber, or other object on the highway, still or in motion, regardless of speed or visibility, with your tire (per the agent)... you are At Fault! I'll have a $300 deductible... for hitting a ROCK going the speed limit of 70! Now I'm praying they won't drop me!

THEY ARE IMPOSSIBLE TO DEAL WITH. They cannot code correctly. This has been going on for over a year and half. They will not send you a confirmation of all they claim they do. USAA Screwed every vet out there. Beware. Stay away.

I've been with USAA for decades. I've tried several of their products and here's the bottom line:

USAA markets itself as the best choice of insurance company for past and present military families. They like to say that they are committed to supporting military families, and that may be the case...until you need to file a claim. Then their patriotism quickly evaporates. My low-mileage, lightly-used, very well-maintained car was totaled by a teenage driver in a 100% not-at-fault accident. From the beginning the experience was a nightmare. The adjuster assigned to me was absent for the majority of the case. If you don't know, the adjuster is supposed to be your advocate in communicating with the opposing car insurance company. My adjuster checked in with me 5 times or less during the month-long process and I'm not sure he contacted the other insurance company at all. Maybe he did, but he didn't keep me informed about what was going on.

I had the unfortunate outcome to have an accident with an USAA insured member. They try to get you to use these crappy aftermarket parts and they don't listen when you tell. I finally just gave up and decided to get my car fixed on my own. They work to make sure you don't get satisfaction. That is their game plan. I guess they'd be a good insurance to have it you want to screw the other guy.

The employees here and company have bad customer service in car claims. From the employee Julee ** to the supervisor Laura ** they are ignorant and unprofessional! Watch out cause they will blame other people for accidents when their client admitted to be at vault and had a contributing factor code of #20 - inattention- definition: lack of attention; distraction, a moment of inattention that could have cost lives. (Meaning) lack of concentration, distraction, inattentiveness, preoccupation, absent mindedness, day dreaming, reverie, wool gathering, abstraction, staring into space, obliviousness. They did not look at the facts and overlooked everything to their benefit. And probably would have done the same if their client hit a person killing them instead.

We have been with USAA for approximately 20 years and until recently have never had to file a claim until my daughter had an accident. We are almost two weeks from accident date and her car has still not been inspected. Contacted Claim Center today and was told that the USAA inspector only goes to that location twice a week and for some reason he just did not go to inspect the car when he should have last week. Then the representative tells me that he may have had a family emergency or something important that kept him from inspecting my car and that I needed to be patient and understanding.

I Took my car to a dealership to have something fix in it. After I left the dealership the real fender came off the car and it got messed up and bended. The car was undrivable because if I were to drive it the back fender would’ve come off. I called USAA and reported it, after that they sent an adjuster but did not allowed A rental car and two weeks later they said that they would not cover because it was done by a hit and run. Isn’t that the reason why you have insurance! This people are stingy and they don’t care for customers. I went back to Allstate and I would not recommend anyone to do business with #USAA. They are a bad company that do not care about their customers but their bottom line.

I have been a lifelong member of USAA. Since age 16, all of my cars have been insured through USAA. As an adult I have done all of my banking with USAA and even opened up accounts for my children. Of the three cars I have owned, all have been financed through USAA. In the past I have known USAA to be dependable, until this past week. We are in the process of purchasing a new vehicle and decided to finance through USAA. A down payment has been made, trade-in values established, titling and registration are complete, but USAA has failed to make an electronic transfer of funds to the dealership. We have been waiting five business days for this transaction to go through, and anticipate waiting an additional three more before we are able to take possession of the car. In hindsight, we should have financed through the car dealership. It is unacceptable that an electronic transfer of funds should take eight business days.