USAA Car Insurance Reviews

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.

I am a daughter of a Navy veteran and a wife of a Army veteran. USAA started off good until we had an auto accident which we were hit from behind on high impact! They are HORRIBLE in paying for our proven pain and suffering. Their Med-Pay is truly like snail mail. We should have stayed with State Farm....

I have had USAA for 10 years and never had any problems. Customer service is great and ready to help. I have my auto insurance and homeowner's insurance with them. I know people think that only immediately family like spouse and children can be added, but I had my sister on my insurance when we were living together. When I needed to make a claim, it was so quick and easy that I don't even remember dealing with it at all. I would bank with USAA if there were local opportunities. They were the first place I checked when I wanted a home loan too. Unfortunately, my credit or something wasn't great enough to be qualified and we had to go elsewhere. But I absolutely love USAA.

Yesterday at 1:20 P.M. a man that is insured with USAA pulled out of the left turning lane to the right hitting my Truck as I was passing by. We pull over to a safe place, park and exchange information. I call the Police and wait for almost an Hour. While I'm waiting for the Police to arrive, I decide to call USAA and report this Accident. A lady named Donna answers. Based on her dialect she is a ** Lady. Donna asked what direction I was going, north-south east-west, I tell her north, then Donna ask me where the other car was going. I tell Donna west. Donna asked me what year and type of vehicle I'm driving, if there were any injuries. I told her that I was irritated because of the accident. Then we get to the part where my statement is recorded. Donna ask me if I'm aware this conversation is being recorded. I answer yes.

I am a retired veteran with 24 years of active, honorable, service in the US Army. Apparently, at some distant time in the past, I have been a member of USAA. I don't remember when or anything else about being a member. When I talked to a USAA Rep, on the phone, he asked for a PIN#. I explained that, as far as I know I had never been a member or had a PIN#. He then asked for my Log-in name. I again explained that I did not have a log in name as far as I know. He advised that he could not help me since I gave the wrong PIN and Log-in info. He was locked out of my file and I would have to call back. I inquired what good would that do and he said I could ask the next agent to recall my information (or something to that effect).

I was asked to send the company vulnerable identifying information after being a customer for over 20 years. I wanted to know why. I was on hold for over an hour and sent to three different departments. I had to hang up and go through their ridiculous automated system in order to complain. They offered No apology. I will be switching insurance.

I called USAA to see why their accident forgiveness insurance did not cover my accident. You supposedly get one forgiven every 5 years. Turns out that's a lie. My accident was in another state, that policy ended when I sold my car and moved. I'm in a new state with a new car. My new policy shows an upcharge for an accident. I asked why it wasn't covered. After talking to 6 people and 75 minutes later, they came up with a bunch of excuses. Finally they decided that because there was a lapse in insurance between policies.

I used to believe the marketing BS USAA spouts off about in its advertising but after experiencing USAA's steady diet of abominable practices, abysmal customer service and, ultimately, misleading insurance products and practices which have left myself, other friends and family members with inadequate insurance coverage, I wonder if there is any oversight in the insurance industry to hold the charlatans who operate USAA accountable.

When I call, I am always greeted by name (probably caller ID or their system has me logged by tel #) but the immediate feeling I get is that they knew it was me and then the next thing they ask is "How may I help you?"

They are very helpful and always pay on time. They negotiated with another company that wanted us to pay more than the amount of our coverage. They got the company to give up. My homeowners' policy is with them also and the service on both is excellent.

No company can beat USAA's cost and customer service. They pay instantly, they have towed my car 4 times this year, sending the nicest people to get it. Never pay a cent for this. I also get rental cars, travel planning, all sorts of perks.

On 8/22/19 other vehicle ran a red light and crashed into mine. A police officer saw the accident and ticketed other driver. Some $10,000 damage estimate to my car. I was still shaken from accident when called to report claim. USAA person initially would not even talk to me without a PIN number! Their communication is terrible. They provided an email address, but would not answer inquiries. Two weeks after loss, they still did not have the accident report clearly showing other driver's fault. I have now talked to six different USAA employees and do not have a resolution. You have to re-tell your situation over and over! (And I have 6 different "security codes"). We've been with USAA for 40+ years. Had good experiences in prior claims. Something has drastically changed.

I was recently in an accident back in February 2018. I been paying Personnel Injury Protection for many years at a coverage of 50,000 dollars. They stopped paying my medical bills when they reached 20000. I ended up having to pay out of pocket to cover the medical bills they didn't finish paying. To this date my Attorney is still trying to get them to pay me back.

I have had USAA insurance since 1973. They have been very responsive to all queries. Their subscriber savings account is one outstanding feature of their coverage. They can be counted on to answer all questions honestly.

Low rates and great customer service, friendly and knowledgeable, speak for itself. Have been with them more than 20 years with no plans to change. I feel like I'm more than just a number on an account when I speak with their reps.

They provide great customer service, and their rates are better than any I have found anywhere else. We have had a couple of accidents, and the response was great, very supportive, quick, accurate information provided and all issues resolved easily.

Had USAA for many many years, but their customer service and claims suddenly took a huge nose dive. After consistently paying premiums I was hit by a young kid in a Wendy's parking lot (he was racing around and backed out of his parking space really fast when I was already backed out and ready to go forward). The kids have false info (showed an insurance card that apparently wasnt his). Couldn't get ahold of him or his carrier (because he gave false info). USAA then claimed that because I was in the process of going from reverse to forward (even though HE plowed into ME, and I was stopped and not moving at the time, they wouldn't pay).

Great company to work with. Folks have identified they have had problems, but then I've not been in an accident. Guess if I am ever in an accident and need them to pay, my opinion may or may not change. When you give insurance companies money, they are generally nice.

I was hit by a policyholder of USAA. He was texting and driving. I was stopped at a red light. He was going 50 miles an hour and hit me dead on and Threw me into a major intersection and I got hit by two vehicles front and back one month 106k vehicle. I have been at Nwa Collision seven times. Car still not repaired. The car appraises at 50K now they are offering me 3K as diminished value. I spend at least 40 hours a week on the phone with USAA telling my story over over to different people. No one will call me back, drop calls, no return emails, no help. Paid my own rental car. Paying my own medical bills severe concussion. Plastic surgery needed. My name is Angela **. I have contacted the attorney general and the insurance bureau hoping for some relief. I don’t have time to mess with this and retain my full-time job.

I have never had a claim rejected or questioned in over forty years with USAA. They insure my home, and two vehicles. I have had interior water damage, lightening damage, and hail damage over the course of time. Also had one auto accident that totaled the car. Currently my son and grandchildren are also insured by USAA.

I trust USAA to provide insurance honestly. But I do not feel their prices are always the best. I am going to check around for renewals. Their insurance is good but not always the best price. I did have them for homeowners but it seems they try to only cover the lowest risk. This makes it hard, you really need to go elsewhere.

If you are eligible for this company do not hesitate!! Best insurance ever! Most reasonable prices and top-notch customer service. You’re a fool if you pass this one up! Full coverage on a new BMW. 90 bucks a month.

I've been with this company since 1985, and they have been an excellent choice for all of my needs. My home, life, auto all are superb services. Highly recommended! The cost can never be beat by any other company. I've compared others to USAA and none of them are lower.

USAA has a great value for auto insurance and homeowners insurance, especially when combined with other USAA open accounts. Their ease in making a claim is swift as is the reimbursement and auto car. I don't have anything else to say.

I am a 50 year insurance professional with a CPCU designation as well as ARe degree. I was a Senior Vice President for one of the largest brokers in the world. Insurance rates depend on experience of the group you are with. I would rather be in a group of veterans than any other group. That is why I choose USAA.

Very helpful when buying policy and very helpful when filing a claim. Most insurance companies make it very confusing what you’re buying for coverage, USAA is very clear and easy to understand. Whenever I’ve had questions, they easy to reach and always make sure you get all the info you need. The best!

USAA is a great insurance company. In addition to auto insurance, I have homeowners insurance with USAA. Great customer service and rates. It is the best insurance company for veterans. They are very understanding and helpful.

USAA has the best customer service and very competitive rates. This is truly a winning combination. Great bundle discounts for home or renter and personal property policies, too. The only caveat is that they do not insure motorcycles.

Great company for military (active & retired) and family. I have been using USAA for over 10 years. Customer service is outstanding. I have always been treated with courtesy and respect. I have used many services and find USAA to be an exceptional company.

They provide great customer service and I have used them for many years. When I call, I always speak to a live person and don't go through a long robot menu. They also have very short hold times. The people I speak with are easy to understand and knowledgeable.

They go above and beyond when you call in and have always taken good care of me. They do not get you off the phone quickly but always say “Is there any other thing at USAA that we can help you with”?

Despite them raising premiums every six month period (like all the rest), being a USAA member does have its significant perks. I have a secondary checking and saving account with them, as well as a credit card account.

I love that it's easy to get a hold of a live person when you call! The customer service people are well informed, polite and extremely helpful. Their pricing is excellent for the coverage and service. We switched from our previous company because we were hit by someone with USAA coverage - the way they settled the claim was amazing! Fair, fast and honest. We knew that was the type of company we wanted to associate with and changed over to them!

They have been very good and I have used them for over 40 years. They are prompt on all claims and keep you well informed. The weakness in the whole auto insurance are the independent claim adjuster. I think they work for the junkyard industry in totaling autos and trucks with repair estimates way too high and not even through.

I've been a USAA customer for three years now and have made two claims. One was for an accident that I had with another vehicle. She was making a left going north and I, on the other side of the road, was making a left going south and we met in the middle. She had GEICO insurance. This was my first accident that caused $2000+ in damages. I received letters and phone calls from her insurance company that stated I was at fault and I would be responsible for her damage and injuries.

USAA has been there for me when needed. They provided me with "Hurricane" coverage for half the price of others because of recently mandated coverage by state of Massachusetts. They may not be rock bottom cheapest but they are close. What keeps me with them is their outstanding customer service and competitive pricing. You never feel pressured and receive a dividend annually (based on their profits I believe).

USAA is great for homeowners insurance and recreation vehicles. Actually higher priced on auto, but with bundling and umbrella works out the cheapest by far. Unfortunately, you must have someone in your family who is a vet and is still alive.

In over 25 years, I have not filed any claims but USAA's coverage and premiums are better than any of the other insurance companies I have applied for. I am not so young so I have been around long enough to know that the other insurance companies do not offer the same or better coverage than USAA. I have been renewing my coverage with USAA for over 25 years and will continue to do so.

My husband joined USAA when he was in the service. They insure our cars and home. They are amazing. We would not insure with anyone else. USAA also provides our banking and credit card services.

Have Progressive through USAA. My motorcycle got hit while parked and the person fled the scene. Covered most of the damage although in hindsight I think they missed several damaged parts that should have been covered under the policy. Had a more direct experience with USAA when my car windshield developed a crack and I was able to get it replaced at my work free of charge.

So, I had my first auto claim with USAA. Someone hit my car in a parking lot and left with no note. So, I called in the claim on June 24. I went to my shop and received an estimate then uploaded to the claim site. Three weeks later, I called in to understand why no-one had contacted me. I was told I needed to upload photos and a link would be sent to me. I waited another week and no link. Then, I called back in and was told the link was accidently sent to my repair shop's landline! Again, I was to receive another link. One week later, still no link! So I call back yet again.

USAA will drop you was as a customer if you run into any legal problems. They refused to talk to me. They review public records daily. I had to get new coverage from another company for auto and home. I've been told that they spew the military code as their business model but they are quick to turn their back on you. They are shameless. I was a member for over 20 years.

We are a veteran family and have been a multi product customer of USAA for over 20 years. We have also referred friends & family to the company. Recently, due to changes in the family & with vehicles, I have had an increased level of interaction with the customer service team & state based Insurance Agents for North Carolina & Florida. Where the highest quality of service to its clients was a consistent experience at USAA, those days are unfortunately gone. It is hit or miss. - mostly a miss.

My wife got hit by a vehicle which ended up totaling her Honda Ridgeline. From the initial calls, to getting the rental, to getting a fair reimbursement from USAA, the whole process went extremely smoothly. We didn't have to speak to agents many times over the phone, since the website gives a clear overview of where things stand in the claims process. That being said, the times we did have to speak to a representative, I got clear answers and friendly treatment each time. I was expecting a lot worse and was pleasantly surprised. I got the honest feeling that each person wanted to help us get our situation resolved for us and cared about the outcome. This all coming after a significantly lower premium after switching from Liberty Mutual, who we had been a customer for over 10 years.

MY SON IS IN BOOTCAMP AND HAD FRAUDULENT CHARGES!! The WORST customer service I have ever experienced! The call I made to USAA last night about my son's debit card being frauded (while he is in Navy Bootcamp) cannot be real! My son has been in bootcamp for five weeks and I was checking his account yesterday and found four charges from Uber. My first thought was, "How could he have charges from Uber since he is in bootcamp?" Luckily, I received a call from him toward evening time so I was able to ask him about the charges in which he said nobody has access to his debit card and there is no way it was possible to have these FRAUDULENT CHARGES!

After being involved in an accident we filed a claim with USAA, who we had full coverage insurance with USAA. The person who processed the claim said our car would be tolled to a certified collision center for our cars estimated repairs. There was only minor front end damage to our vehicle and we received a total loss statement from USAA. I called USAA and asked what collision center the car was sent to so I could contact them about the repairs and USAA told me they did not send our vehicle to a collision center but to a salvage yard and this is where they do their estimates of damage. Then USAA admitted they did not estimate any damage to the engine compartment, even though the radiator was leaking.

My experience with USAA was very good seven years ago when I enlisted. I learned that over the years this company does not give a damn about anyone. The new CEO Stuart Parker has ruined this great company. It sucks! I was involved in a car accident with three other people in my vehicle including small children. The at fault car insurance has paid their policy limits and now USAA is low balling with their offers. Claims adjustor Kalli ** tried to offer me $1000 after I received over $15,000 in medical treatments. They are acting in bad faith. I have no other choice but to file a lawsuit against this company. We have to stop them from mistreating military families.

I have been a USAA member since 1992. As the company has grown, it's now more focused on their bottom line instead of taking care of their customer. Dropped their auto insurance 4 years ago because they couldn't compete with other companies. The company now is too worried about spending millions on TV sponsorships of sporting events instead of passing savings to their customers. Their customer is military, retired military, and their families, let service and cost sell your product. I do not recommend USAA to my children. Son used USAA mortgage services to purchased first home and was surprised the day before closing he had to pay $3800 when seller agreed to pay all closing costs. USAA needs to get back to basics, the customer!

I was rear ended while stopped at a traffic light by a driver with USAA insurance and it was a week before the accepted liability in a clear cut case. Two weeks before I actually talked to a person, this is week three and I still can’t get my car fixed. That’s three weeks so far, I can’t drive my vehicle and my only recourse is to sue the driver which is a lengthy process.

Have been a USAA customer since 1973. As the company has grown, customer service has rapidly declined. What should be an easy answer now takes several departments to try and get one. Very frustrating trying to work with them. Tried to get an answer to amount that I owe now that I deleted a vehicle. Have now wasted 30 mins and waiting on another department to try and get an answer. Seems like the representatives either are not trained or incompetent. Now dread calling for any reason.

I had a no fault collision incident. USAA sent an adjuster. They determined the car was undrinkable. They got me a rental and sent a tow truck to take my car to their repair center. The tow truck did an additional $1200 damage to my car. They let the tow company decide if they would pay for the damages. The tow company got off scot-free and I got stuck with the bill. Then I returned my rental car to the repair shop. But, the repair shop failed to protect the vehicle until the rental company could pick it up. I got stuck with another $900 bill. USAA does not protect their members, they protect the vendors.

Adjuster came out and inspected - I agreed with him about damage and all was well, until the claim department refuses to issue a check to me without making it a 2 party check. It is just ridiculous and horrible service - Claim now delayed and I will have to hire legal representation to get this taken care of properly. Will definitely not recommend them and will be changing insurance companies.

Had a wreck single vehicle on June 24, 2019 and here it is August 6 2019 and got less than what I told I was getting and found out they are auctioning off my car so making a little money off me and my bad wreck. Requested a rental. The first time I got for 7 days but I was told by Mr Micheal ** but now they refuse to give me a rental like I was told. WARNING. WARNING. WARNING. Do not use this company. Over charge you on the insurance. Poor customer service. THEY LIE RIGHT TO YOUR FACE SO BE WARNED.

I got into an accident with a driver insured with USAA. They were super awful to deal with. They changed the "claims adjuster" 4 times in as many weeks. I had to keep telling the same story over and over again. All I wanted was my car fixed, and a rental until I could get my car fixed (which ended up being all of 6 days). I was injured but I have health insurance thru my job, so I wasn't even going after them for that. Despite the police report that said 100% liability on their insured, they dragged it out for over a year, they were truly awful to deal with, they kept accusing me of lying, arguing with me and just being horrible to me and they would hang up on me, or put me on hold forever.

First let me say the customer service was outstanding. I really had a great experience on the phone. But I decided not to go with USAA because my homeowners would've doubled and auto was $30 cheaper but with way less coverage. Disappointed, felt like their commercials are misleading, thought I would get a really good price.

Our car was hit in a parking lot by a hit and run driver. USAA was extremely aggressive about insisting we use their body shop and get a rental only from Enterprise. We know our rights and brought it to our trusted body shop and rented from them. USAA lied and told us we wouldn't be covered for a rental from them, and then lied and denied they told us that. They purposefully held off having the damage appraised for weeks and then refused to pay for our rental for that time. They were angry that we had them go to the body shop to do the appraisal because the body shop would go over the damage with them and they would be forced to do an honest appraisal.

I have been a USAA customer for 28 years. My car was hit from behind while stopped and the other driver hit and ran. The USAA inspector only looked at the body damage and did not look under the car at the damaged driveshaft. The mechanic I had the car towed to stated that the broken driveshaft was definitely the result of the rear end collision. USAA kept delaying the claim for 9 months and then claimed that they needed pictures from the mechanic. The mechanic said they would have provided pictures if USAA had asked when they had the car.

I have been a member of USAA and their car insurance. I have never filed a claim. Recently, a rock hit my windshield while driving on the highway. As a result, my windshield was cracked. I called USAA to file a claim. I was told Safelite handles all their windshield claims. I was told by the Safelite representative that they will not pay dealership prices for parts of labor to replace my 2019 Honda Pilot windshield.

My daughter was hit by a USAA driver and still after three months they have not paid the car off. I am now in collections with the dealership due to the disregard of USAA then I am told it is because a check they sent me was not for the extras on the car and needed to be returned before payment. That is after they sold my car and never called to tell me. So now my credit is hurt and I will be out more money.

Here was my experience with USAA. I had insurance with them for over 4 years. In 25 years I have never had an auto accident---still haven't. I had two speeding tickets in that same period... Never had a DWI or anything else. Great driving record. I paid USAA almost doubly what other carriers charged per month--'cause I heard they were good.

I got into an accident with a driver insured with USAA. He plowed into my parked vehicle. He admitted fault at the scene. I made a report with USAA. I got a letter a month later saying they are unable to reach their client but they will keep me posted...and why is this my problem??? Well they never wrote back. That was six months ago. I found the original letter and I called and left a message but of course no reply. I'm sure there's some law that says I am entitled to nothing because I waited too long and didn't chase after them. Sickening.

Too bad I can't give them 0 stars. USAA claims they take any family member who has served in the military yet they dont apparently take my dad. Despite both of us opening up an accounts and getting account numbers they won't give him quotes for insurance nor will they add me as eligible even though I am his son. I have spent at least 6 hrs of my time including setting up a conference call with my dad so this could be resolved with USAA.

My father had USAA for his auto insurance. I cannot express to you how bad my experience just canceling his insurance was. Firstly my heart and condolences go out to anyone that has to deal with them for an unexpected death. I can’t imagine. I had to give all but my first born to simply cancel an auto insurance policy. On top of that they continued to take money from me when auto insurance is PREPAID for. So that's interesting. And then continued to send me an outstanding bill for over a grand. This company is a joke to work with. Maybe they do have good rates but I truly feel for those dealing with them if they ever need their services. I considered going with them because I would have gotten benefits through my father or my husband who were both members of the military...Unfortunately I feel all they do is try and get the most information from people to seek it. Please do your research. Good luck.

Over a three week period and several phone calls, everyone I spoke to lied to me. Everyone had a different story. They were very inconsistent. They had the lowest price for insurance but we couldn't deal with all the lies. I can't image how a claim would go, we declined the insurance because of all the lies.

I was involved in a traffic accident back in April 2019 where I was struck by a USAA insured driver. She received an at fault traffic citation from the local Sheriff's Office for failure to maintain lane. I have been forced to come out of pocket for a rental vehicle since April, forced to begin paying for repairs to my own vehicle which at this point is ridiculous as this accident was several months ago. I have yet to be contacted back by USAA insurance adjuster Ms. ** since our initial phone conversation back in April following the accident in which I was forced to reach out to her regarding the accident involving her insured driver.

Got in a wreck with a USAA member. It was their fault. Their insurance never got ahold of me to tell me anything and USAA ended up making a claim with my insurance for them to pay for everything. Then got a letter in the mail saying per our discussion we have decided this. How per our discussion when we never talked. That on July 12 we are not going to pay for any more storage for the car. Even if it is our fault. And they mailed it out July 13. They never once called and talked to me or said anything about what this letter pertains. Let alone about the accident HORRIBLE COMPANY. DO NOT DO BUSINESS WITH THEM UNLESS YOU WANT TO BE SCREWED.

My father passed away almost a year ago and we are still trying to receive his insurance refund. Always told another reason why they cannot reissue the checks. They were not helpful and I removed all funds and canceled all services. Their inability to assist my father while he was alive poured over into his death. Shame on you USAA.

I have been a customer for 4 years. My daughter's car was totaled. I took photos of the damages at the time of the accident and they appeared to be easily repairable. The adjuster totaled the car anyway. The adjuster, was dishonest and added damages on the roof of the car although the damage was on the front bumper. My GAP insurance refused to pay for the alleged damages on the roof, leaving a balance on the car. I contacted USAA and was informed they no longer have the vehicle in their possession and are unable to verify the damages. The claim process was very frustrating. I had to call frequently for updates because it was taking so long (almost 2 months to resolve). In the end, my family and I are still out of money because of a lying adjuster. I closed all of my accounts with this company. They definitely do not have the best interest of their veterans/customers.

My vehicle was hit by someone insured with USAA insurance. I was lied to, bullied, harassed. I talked to five people working for USAA. Each experience was awful. The first woman was mean and a bully. She told me, "Now you listen to me, this is how it is going to be, you just listen." She told me the check will be sent out once the car estimate was approved and the car rental place will be contacted and if the estimate came in a 3 days and the auto body was five days I had to pay the extra days for car rental. The car rental place called me ten minutes after talking to her and I told them I have not had the estimate approved. I tried to explain if Auto Body needed to order a part and it was no fault of their own and the part came in a day late, I still would have to pay for car rental and she said, "YES". Then I get a phone call telling me they will only pay a certain amount for paint and I am responsible for paying for paint overage.

Worst insurance company ever!!!! They charge almost three times the rate of other auto insurance companies and offer very little to show for it. Also the customer service is extremely poor! It's been times I've called with questions about my auto insurance only to be told "I don't know. Let me ask a specialist" then the representative would get back on the phone with a made up answer from left field. And if you ask to speak to the person that gave them that info they won't allow you. They say only, "We can talk to them and relay the info back to you." Rip off. Stay away!!!!

Awful auto coverage, make everything ten times harder than it has to be and takes forever. I had a part stolen from under my car and I went to a mechanic and they told me that for my problem in the past it's taken about 1-2 days for Geico and State Farm to get it resolved. However, with USAA it's already been a week and there is no end in sight. There have been problems at every turn, from accessing my account to renting a car through them. Their communication and customer service is truly deplorable. They have hindered my repairs at every turn, and if I could give them negative stars I would. Were it not for the cost of these repairs, I would just pay for it myself and completely ignore USAA due to the absolutely horrible experiences I've always had with them.

I’ve been a USAA member for 20 plus years. If I could give USAA zero stars, I would. They are your best friend until you have to file claims. I only filed three claims (not at fault) since being with USAA. I’ve been treated very badly and rates increased drastically. USAA does not care about customers or loyalty to the customers. USAA only cares about the financially gains. USAA do not deserve to serve Service members and their families. USAA advertisements are false. Shame on USAA!

My vehicle was totaled by USAA insured driver. I was not even in the vehicle or at fault whatsoever. They are offering me only half of the value I paid for the vehicle over a year ago and thousands less than the fair market value. This company’s customer service is horrible and I would recommend any other any any any other options you have for auto insurance.

USAA has (again) been double charging me for my homeowners insurance. They did this last year and I had to wait almost 3 months for a refund of over $1500. Now they are doing it again and I will have to have it corrected again! We were involved in a head-on collision with a wrong-way-driver last year. USAA screwed up the claim so bad-it had to be re-filed twice. It took nearly 4 months for the claim to be closed despite the fact I provided them with EVERYTHING (Other Drivers Citation, Police Report, Accident Report etc.) within a week.

Wow where to begin. I have been a loyal customer for 6 years. Never late on any payments, I have multiple USAA products, auto insurance, renter's insurance and banking. However last week when in I'm 2 states away from home I try to log on to Usaa.com to see my balance in my account and I can't log on, I call USAA and get transferred 6 different times, get refused a supervisor and then get transferred some more and no one will tell me why I can't access Usaa.com. Finally I get someone from banking that tells me "USAA has decided to exercise their rights and end their relationship with you and that's why you can't access Usaa.com" but she couldn't tell me why.

USAA very bad insurance company. USAA member hits you at red light from behind. File claim. They never call you back about status. After 1 month they sent email that adjuster make you 50% at fault. How crazy is that. Someone hit you from back at red light. If you don't believe get USAA Auto Insurance. You suffer like everyone else.

My family have had USAA for 50 years, never had accidents or tickets. Mother has had dementia for 5 years and a live man has taken over all assets. He has put himself on her insurance policy without her knowledge. We are her POA and can not get USAA to cooperate. My mother has not driven for 4 years. This man is a drunk. And her van is now also in his name. As long as USAA is getting paid, they don't care!!!

USAA is a great insurance for people who want to do a hit and run then lie and say they were not there although the other driver has their tag number and make and model of their car. Their customer Mrs.** who cleaned my blue paint off her white car and now she doesn't have to pay for the damages to my car.

USAA sold me a wrap around policy to the Subaru warranty that stopped at 36k miles. I extended the original warranty to 60k. USAA gave, or sold, the warranty to Assurant after USAA billed me and rolled the cost into the current loan. The company they used was Assurant Solutions. 4 months later we had an issue with all the warning lights coming on a trip away from home. We decided to stop and get a motel and go to the dealer the next morning. The next morning I called Assurant and they had no record. It took me several phone calls before Assurant found my policy. They denied all coverage and said I would have to file a claim. Several hours later the problem resolved and we drove 70 miles home.

I am a disabled Veteran. On June 20 I attempt to speak to USAA customer service and they did not have the capability to access my insurance information. The automated system continued to ask me for a PIN number which I NEVER HAD AT ANYTIME! I was attempting to add a vehicle to my policy. They would not allow me access to a super or manager. I feel very abused and frustrated by USAA which is supposed to be here for military and veterans! I served my country honorably. I pay USAA out of my Veterans check every month. At this time I’m still at the car dealership and cannot add the car to my policy.

My daughter was hit by a young man who is covered by USAA auto insurance while she was parked. I was happy that the person responsible had coverage from a large, well-known company... Boy, was I wrong to be happy about USAA. That week I called to file a claim with USAA, and never thought twice about having my daughter provide a statement. My daughter gave an excellent, truthful statement. The next day I was called by an adjuster who stated that my daughter was 20% at fault because she was in the vehicle (preparing to leave, but the car was still parked), and she had not honked...What? When I stated that no reasonable person would have expected her to honk in that situation the adjuster, Debbie, said "You are entitled to your opinion." Nice...

I’ve been with USAA for 24 years. (Now I’m wondering why.) They claim to SERVE the military and its veterans. "Prey upon" may be better terminology. The military in general is a pretty safe environment in which to do business because most people have honesty and integrity in this community. So USAA has settled in on that environment claiming to serve them. I have only had small claims with them over the years and on little things they normally covered it, nothing stellar, just the minimum. However, in a recent minor claim I felt VERY DECEIVED. A mouse chewed some wires in my car. I brought it to a dealer who assessed the situation and said it would cost $840 to repair the damage (minus my $50 comprehensive deductible = $790). USAA totaled the car!

We have had multiple autos and homes insured for over 30+ years with never a missed payment or late payment. We were hit by another USAA member 72 days ago and the police report states that the other vehicle made an illegal turn. USAA states that it is not our fault but they are still trying to charge the deductible to us. They have refused rental reimbursement that we paid extra for years. Our auto remains unfixed because USAA never came out to view our auto and their estimate for repair was much higher than the 3 repair shops we obtained estimates from.

I had USAA for years...20 plus. It had been affordable and they were easy to work with UNTIL my teen was in an accident that was her fault. They treated us poorly and didn't care how long we had been customers. They dropped us and tried charging us a higher rate until the policy cancelled out. And on top of that, didn't cover the total loss!!!! I am disgusted that longevity doesn't matter to USAA. Shame on USAA!

A USAA client ran a red light and hit my truck. After months of USAA refusing to even take my statement or accept the police report or communicate at all, they finally contacted me to confirm that they would not accept liability and refused to pay for my repairs. They are so crooked!

I wish I could give this company negative stars. For me they have been a nightmare. Recently, my fully insured 2010 Mercedes Benz c300 started smoking and then burst into flames. In determining to offer me 5300 for my car USAA sent me 3 comps, 2 of which were from the same place. While USAA had me on hold I called the place, CarSpot Inc., with the 2 two supposedly Mercedes Benzes in the 5300 comp range. I was told that there were NO Mercedes on their lot for less than 10,000. That in fact the only 2010 Mercedes Benz c300 WAS 10,000 and is the very same one on my comp sheet.

Choose these guys if you want to get hung up on and cussed at. Military based, that is a joke. I will be withdrawing my auto insurance, my renters insurance, my life insurance, my bank and savings accounts as well as my car loans.

I’ve had USAA Car Insurance for years and it has been disappointing and upsetting to notice that each time I’ve had an accident, USAA does NOT communicate with the insurance of the other party who was involved in the accident. The first accident, the other party simply took off although I was able to take the car’s license number which was submitted to USAA. The other party was never pursued and USAA flatly decided I was at fault. The 2nd accident, it was the the other party’s insurance that communicated with me because USAA never bothered to call the other party’s insurance. And a few months ago, our van was rear-ended and USAA just again simply declared it as a total loss and the the other party’s insurance found out from me when they called to let us know that we could bring our van to a repair shop for repairs. I think USAA’s Auto Insurance Division needs employees that actually do their jobs.

We were in an accident with one of your customers on 5/29/19. We contacted you on 5/30/19 and got a claim number and were told an adjuster would contact us for more info and to get our vehicle fixed. It is now one week since the accident and we have not received a call from the adjuster. My wife called to find out the adjuster is on vacation for another 3 days, the voicemail tells you to hit 2 if you would like help from another adjuster but all it does is disconnects you. Why were we given an adjuster that is on vacation? Our door is bent enough that when it rains tonight we will get water in our vehicle!

I am the Executor for an 88 year old Korean War veteran who died in the VA hospital in Little Rock AR. USAA stole 50.89 out of this dead veteran's Bank of America credit card. This is immoral, illegal, and disgusting. They knew he died on 4-30-19 on 5-23-19 and stole money out this external credit card on 6-4-19. Survivor Relations Department aka Survivor Persecution Department said, "Oops. This is Denine, Efran **, and Tim - ooh that awful Tim!" I wish this company no good.

I’ve been a USAA member for 38 years. The company has gotten “too big to fail” resulting in a complete breakdown in customer service. My entire family is dropping them over the fiasco they put me through with their contracted windshield replacement contract with Safelite. Nearly a month of lies about getting my 2017 CRV windshield replaced with original Honda glass. In this case they would rather lose 3 lifetime member accounts than pay out $300 for the OEM glass I was promised. Goodbye USAA! You’ve lost your way and don’t deserve to serve American Servicemembers and their families. Your bogus TV commercials are not fooling us!

I insured my vehicle with USAA for over 3 years believing they were providing an honest rate. After exploring other options I found coverage that was equal to if not a little better for about $100 less a month. Absurd that they prey on Veterans. Shame on you USAA.

I'm 36 and filed a claim for the first time with USAA after having them for 15 years. They took over a month to complete an INSPECTION! I had to pay for repairs out of my own pocket in the amount of 4400. I was at fault for hitting a pothole in the road and it did damage to my powertrain and they absolutely refused to help me. NEVER again. I got another carrier who is a big name company, pay more but I know I'll be covered by a company with a great reputation. STAY away from USAA. It's not worth the savings.

My dealings with USAA over the past month have been one problem after another. If I could give USAA zero stars, I would. On April 29, 2019, my car (which was parked on a street) was hit by a man insured by USAA, with damage done to the rear bumper and tail light. I was not in my car at the time it was hit, and the liability was 100% the other driver’s fault. As instructed by USAA, on 5/01/19 I took my car to a USAA approved body shop to get an estimate, which was $2084.01. USAA immediately deposited this amount into my bank account, which is the only positive thing that I can say about them. On 5/06/19, I took my car to my mechanic to havethe repairs done. When he took the bumper off, he discovered more damage that had been done underneath the bumper.

My mother has been a USAA home, life and auto customer since 1953. My father was a WWII veteran and career military officer in the USAF. He passed away in 1997. In November 2018 a pipe burst in my mother's home. A plumber made an emergency repair, but the damage to the home's wood floors was extensive. It appears the pipe had been leaking for a long period of time. It is now the end of May 2019 and the repairs still haven't been completed. Yes, that’s seven months later! USAA is getting close, but it has been a frustrating challenge working with USAA, its representatives and its contractors. The quality of the workmanship was substandard and unacceptable. They had to redo the floors.

I left a great auto insurance company for an entire company of people who are NOT helpful, incompetent and tell you what you want to hear to quickly turn over the call. They never give any straight information upfront and tell you to check your statement when it's available to get exact dollar amounts. They charged me for 2 months of insurance on a car I no longer owned then got me in a financial issue with the MVA, giving me incorrect advice, then explained they're not responsible for any misguided information. They cost me over $300 of extra charges on a car I dont have and just got off another awful phone call for the 5th time in 2 months. Tom continues to lie to me that next month the additional charges will be removed. I recorded him and this is not true. They will tell you what you need to hear and get off the phone. Happy Memorial Day. Thank you for your service, I hope no other veterans are treated this way.

It took almost a month for my auto claim to resolve. I was hit by another driver (he had Allstate) and immediately called USAA. They initially looked like they would take care of me, and even called me back within a few days of the accident. My claims representative told me to contact Allstate to give a statement. I did just that and assumed USAA would handle the rest. Boy was I wrong. Called back several times over the next few weeks and received the same response: "We are still waiting for the other driver to make his statement." Seriously? If he hasn't responded in almost a month that's the same as admitting guilt in my opinion.

I have had auto insurance with USAA since 1995 (originally under my late husband's name and then in my own after he passed). I just had my first accident on May 8th, 2019. My 2014 VW Jetta SportWagen was totaled. It is now the 24th and my claim is still not settled. I am unable to purchase a replacement vehicle until it is. They did not even send the document package and instructions for me to release title until the 20th. They stopped paying my rental on the 22nd.

I have been a member for several years. I have a good driving record but made two claims in the past 4 years. Once I was hit by a car while parked at the store. Another was for a broken windshield from a fallen tree branch. My rates have gone way up, I probably should have fixed the car without making a claim. What good is it to have insurance? My issue today is that USAA will not allow me to use their online services due to a bankruptcy over 12 years ago. I cannot even send them an email and must spend literally hours on the phone with poor customer service. I will cancel my policy as soon as I can get a policy with someone else!!

I was in a car accident - and the other party was at fault/received a ticket. USAA told me that some of the damages to my car were not caused in the accident despite it being a brand new car. I called USAA daily for resolution - and when they wouldn’t call me back - I called my lawyer. There was over $12000 worth of damage to my car and I had my 6 week old baby in the accident - but the real trauma was having to deal with USAA. My lawyer ended up resolving the issue by having the other party’s insurance write me a check for the value of my car decreasing. I used that money to fix my car. USAA was completely worthless and downright rude. I used to pray to not be in a car accident for obvious reasons. Now I pray that I never have to deal with USAA.

I have been with USAA for more than 10 years now. My vehicle was hit by another car while parked so obviously I Had no control of avoiding the incident but knowing full well I was not even at fault, still have to pay deductible and on top of that they won’t cover my rental. They only cover a portion! I have a SUV and I will be dropping it to the shop and will be there for about 3 days. I requested to have a rental that’s at least an SUV or something bigger than a compact car but USAA was quick to decline! For more than 10 years where has all my payments went? I’m basically paying them for nothing. In some areas they are okay but when it comes to this they are useless. The person on the phone did not even try to inquire if there is any way to solve my issue! Very disappointed.

I was at a red light. Their client while working out of her car decided to jump lanes and hit me. I took my car for an estimate a week later waiting on a call from body shop which I didn't get. Got estimate - decided to have my fender replaced by my son. A week after receiving check I call back because I went on a trip and my tire went bad. I call them back - they take info down and were suppose to call me back 2 days. A week later I call back because no call made to me. They treated me like a criminal, like I was to blame, like I accusing me of hiding damage because I chose not to get a fender replaced by a body shop. Absolutely ridiculous.

I've been a member with USAA for 5 years and had a credit card with them for 2 years. Customer service was good up until my wife and I had our vehicles involved in an accident with another USAA member. Our vehicles were both parked on the side of the street in our neighborhood. The driver was not paying attention (maybe focused on his phone) and ran into my wife's Acura TL head-on allowing it to roll back into my car. Nobody was in our vehicles since it was around 4:30am when the accident occurred.

I went with this credit card, because I retired and am traveling the US and felt since they are for veterans, I could trust them with fraud protection. Boy was I wrong. This is the worst credit card to have, if you are interested in being protect from fraudulent charges. They make no effort to investigate or resolve the issue. You are left on the hook to try to investigate it yourself and try to get it corrected. As soon as I can decide on a different credit card, I will be leaving them. If you don't have them, stay away. They do not help veterans at all.

I've had no issues with the claims process and they incentivize me with multiple policy and driver discounts. Either I'm not made aware of every credit, or it's not given often, occasional credits are reflected on my account for not submitting claims. Great customer service as always.

I've been a USAA customer for 22 years and made my first claim this year. Long story short, a car backed up into my parked vehicle and caused $1000 worth of damage. I opened a USAA claim and they drag the process out for 4 months. In the end, they said the other party changed their story and that I had the option to accept $500 immediately from State Farm, or take the case to arbitration to recover the full amount. I asked clearly if taking the case to arbitration had any risks of losing the $500 and they assured me that I would get at least 50% of the repair cost, but they were confident they could get the full amount from State Farm. They said they would keep me informed.

They overcharged me for insurance for years, won't pay for a rock chip, and screwed me on bird damage to a Ford. They charged me Colorado rates when I was in Montana. The adjuster undervalued the damage by about $2000 in Colorado done by a bird, and now they use Safelite that never showed up on time. I went to a local glass company. They locked me out of my account so I can't even report the claim. You call and wait on hold for hours. They also only hire young kids so they age discriminate. Maryland Matt does not seem to care. He lets these insurance companies bill and do whatever they want.

I'm a veteran, served 8 years in the USMC. I after a few years of not making a claim I started having bad luck and got in to a few accidents and they decided to terminate me because of too many claims. 5 no fault, 1 fault and 1 vandalism claim. They closed my checking, saving account without notice, took my money from my accounts for months, canceled my credit cards, they treated me like a criminal. That's how they really treat veterans. They literally kicked me out like a dog. I was amazed by how I was treated. When I started shopping for insurance I was getting quotes for 4X more what I paid with them. Save your time and go with Geico or Progressive. And the limit for a rental is 30$, I couldn't even rent a smart car with that in NYC!

They want you on their website and phone app but both provide terrible log in experience. No bill reminders only bills past due, then when you attempt to log in to pay you can't get past all the site passwords, user ID's and passcodes and user identification where sooner or later one mistake and you failed. Request new passcodes, user ID's, passwords. They don't like my phone number or SS number either!

Worthless Claims Service and Adjusters. Leaving USAA after 41 years. Last year I had two Michigan potholes destroy 2 wheels, 3 tires and 1 rocker arm. My damage? Over $3800. USAA payout? $238. They split incidents and negated some parts.

You know why you never see ads for Corvettes? They sell. When you see a commercial, the company is trying to make up for a shortfall. Enter USAA. The run commercials trying to sell us on their support for Veterans. They have ripped me off on a tree falling on a fence for homeowners and now are giving me $81 for a $1,200 claim, (my dogs knocked my old Honda into my car). They are unresponsive, over-promise and under-deliver and are a disgrace to the USA in USAA. Stay away, you've been warned and carry on!

USAA was at one time the absolute pinnacle of customer service. That time has passed. For the past year USAA has removed the ability to email questions to customer service. The only remaining options are calling during business hours, (not really an option when you're stationed on the far side of the planet) or chatting with USAA's already obsolete version of an AI Chatbot. No live humans available to write to or to answer your question. Nothing is worse than a company claiming to be dedicated to serving the troops but that won't let those troops write to human beings. This is not the USAA I have relied on all these years. Ally Bank is a much better option at this point as far as an online bank that focuses on true customer service.

We first received an auto policy in Jan 2019 and everything seemed great. Taking the limited tort option required me to sign a release. After sending it back 2 times, they state they never received it. Also made a dedicated phone call to add roadside assistance and they ignored me completely, never added the auto club program. Of course I had 2 flat tires 2 weeks later and when I called they had no recollection and of course the phone was never recorded.

USAA overcharges their consumers too much. Example, for house insurance, it was $2,000 for me and I got the same deal from All State for $600. Auto insurance? $800 when I got a $400 deal. Mortgage? 3.75% interest when I could have gotten 3.25% or less elsewhere. Cashback for credit cards? I get 2% from Citi or 5% from Discover. Savings Account? It was just a lousy 0.03% or something when I get 2.35% from PNC.

USAA denied a full coverage claim regarding a windshield replacement. I proved to them via their own documentation that I was fully covered and they refused to honor the claim without a reason. The claims department admitted over the phone they do not understand Effective and End policy dates. They said they have to follow what the "system" say. I escalated to a manger and they also said they do not understand policy dates. I've since canceled my auto policy and moved to State Farm with a much lower premium and more coverage. They also failed to cancel a property policy, because they "couldn't find it" and only saw a bill for renewal. This was more than confusing and they were not willing to explain what happened. I highly recommend avoiding USAA for any insurance needs.

Pray that you never get into an accident with someone who is covered under USAA. I was in an accident a week ago with one of their drivers and the experience since then has been AWFUL. The other driver that is insured with USAA received a ticket for being at fault for the accident and it also states that she was at fault in the police report AND she had a stop sign and pulled out into oncoming traffic, yet USAA is trying told hold me majority liable for the accident. So now this is going to go through arbitration which is going to take months.

Hail damage from April 13 hail storm (tennis ball sized hail). So it takes 10 days for USAA to send a claims adjuster out to see my truck. The adjust looks at my truck on the day we have worst weather. And a week after that I receive an email from USAA that my payment was canceled, AND the damage from the hail was prior damage! Wow. What am I paying them for? If this doesn’t get fixed ASAP. After 10 years of being with USAA, I am choosing Geico.

In December I was hit by a USAA member (crossed three lanes of traffic and side swiped my car). Took them over a month to send me a letter (even though I made sure to trade all information at the scene including contact phone number) stating I hadn't contacted them and needed to do so in regards to the accident. After speaking with them and giving the information I was told that it shouldn't be an issue and they would work with my insurance in order to get everything taken care of since it was their driver at fault. Here it is over 5 months later and I get a letter from my insurance that they are still trying to get the compensation from them. Thankfully I used my insurance to get my car fixed or I would still be without one, at least now I am just out my deductible thanks to horrible insurance companies.

I've been a member since 1968 and have seen a steady increase in cost with no improvement in service. Through the years I've trusted USAA and been pleased with them until recently. I finally decided to get quotes from three other companies and found that USAA was more than double the cost of all of the others in spite of the member annual refund.

USAA is by far the worst company I have ever had the displeasure to work with. I was involved in an accident with a USAA policyholder and USAA said I (!!!) was at fault despite the police report with their policyholder admitting fault. USAA ignored all inquiries - phone calls, emails, faxes and even a handwritten letter. Ultimately had to file complaints with my state's Department of Business Regulations and the Better Business Bureau to even prompt any type of communication from USAA. Then USAA had the audacity to drag this through arbitration. Which was a total waste of time since the case was ruled against them. For anyone that has to deal with USAA from this side of things, be prepared for the long haul. Be persistent and use any resource that is available to you.

We have been with USAA for over 30 years and over the years the service seems to be on a major decline. I just found out that I am not covered when driving someone else's vehicle --- you have to file the claim with the insurance company of the owner even if YOU were driving the vehicle. This potentially drives THEIR rate up. They did say if there is a portion of the claim that the owner's insurance doesn't cover, they will pick up the remaining costs. Not a lot of comfort when you have to tell your friend, "yeah, I know your car was damaged while I was driving it, but you have to file a claim with YOUR insurance." I will definitely be insurance shopping in the next few days!