USAA Car Insurance Reviews

USAA has the worst customer service. My husband was hit by a USAA insured driver. The USAA driver admitted fault, and a ticket was issued to him. It has been nearly two months and we still haven't received payment. They have told so many lies, it is impossible to list them all. We have tried to contact them for weeks and they won't return a call. The last thing that happened is we sent the title to them Federal Express after having it notarized and they claim by email (since they won't talk on the phone) they haven't received it. After all their lies, I'm sure it is another one of their tactics to hold payment. Try not to ever get hit by someone who carries USAA insurance!

Don't trust USAA. They increase your rates every renewal period without cause. They have no honor and only pretend to care about hard-working families when all they really care about is making money. I hope someone comes along and burns this company down to the ground along with those unscrupulous employees who work there. I have been waiting for three weeks for a return call from Linda ** in the corporate office after leaving her three messages.

On April 3 I purchased a car insurance policy and subsequently found a cheaper quote under my finance with State Farm. Called and canceled same day. Was told refund would be done within 7/10 days. I have called 4 times with no result only to be told it will take some additional time due to billing. This is not ok. I want my money now.

I have been with USAA for over twenty years. I have had claims, no issues at all. I realize that insurance is not total replacement, of what I think the value is. I have had several employees that were wonderful and very few that weren't but is that not in every company we work for or in. I am USAA for life. I also realize that most of the negative comments are short of validity and broad in specific information. Unless you go to the upset new boyfriend in March that does not qualify. USAA may be a little higher in some states but they have less fine print or traps other have. You save money in the long run.

If you are hit or involved in an accident with a member of USAA, be ready to be disappointed!! Low total loss amount for my car... Promised to overnight my payment... It's been over a month since accident and still haven't received it! Good luck trying to get someone to answer your call or return a call. Do not believe that they will overnight your check and even though accident was not my fault I had to shell out money to have title notarized! But they made sure I overnighted my title and paperwork to them.. by providing it!

I was with USAA from 1997 to 2015 and served 6 years in the Marines. I was told early in my military career that they were the best, and they were. I noticed about 2010 that I was paying more than I should for property insurance. They kept increasing the rates even though I had never had a claim. Starting getting Property insurance quotes and they were half of what I was paying. I had been blindly loyal to USAA and had overpaid for over a decade.

Using USAA for our auto insurance has been an absolute nightmare. Their site glitches and "forgets" updated phone numbers, cards, etc. The only time I made a claim - for a simple crack in the windshield - they found a way to weasel out of covering it. Save your money and go somewhere else for auto insurance.

USAA is the worst insurance company EVER!!! If I could give them negative stars, I would do so. My insurance company lapse due to poor service. I contacted them in order to set up automatic payments from my bank account. After giving them all of my personal information, I thought I was good to go. USAA never deducted money from my account and my insurance was cancelled.

So I called to have my Jeep fixed. I have the best coverage USAA has to offer for the state of Michigan. I started a claim to have them cover a rental, while my vehicle which I WAS OFFERING TO PAY TO HAVE FIXED, they started the process and then denied me instantly. This was all one person. I figured she was just being ignorant and I tried to call them back. This guy said I was covered and then some, and transferred me to the next group of people. This is where I have lost all faith in this company.

Granddaughter just returned from deployment. Went to reinstate her and wanted to charge $220 per month. She has no car. No tickets etc. When I asked what discount she would get for being active military the guy said, "You get no discount. Just having us for your auto is a privilege because we only use military." Called other companies and got quotes for around $100 with military discounts. My husband is a Vietnam vet and ours keeps going up. We have no tickets and no accidents and live in a retirement community and hardly drive. Ours keeps going up. Goodbye USAA!!!!

This is the worst insurance company ever. Do not pay claims like they should and are very rude and disrespectful. Will be switching insurance companies. This happened to my daughter and I. Do not use this company.

Something has happened at USAA. I used to, as a CEO, talk about how wonderful the customer service was. Indeed I drowned a car through my own stupidity 10 years ago and got back more money than I'd spent on the car originally. My beef has to do with at least five things that have happened since then. Something has gone horribly wrong with the management of this fine institution.

This has got to be one of the worst Auto Insurance companies ever, stay away! It all started when my wife was involved in a accident when one of their insured ran into her. The incident occurred on a Friday evening and we come to find out they are not open on weekends, mental note do not get in an accident on weekends with this company. We followed all their protocol and were assigned a claim number. After numerous calls to the person handling our claim my wife was getting nowhere, the "we are still investigating" line.

USAA Auto Insurance is very unprofessional. Asked personal questions that had absolutely nothing to do with my wreck. Been working on my claim for almost a month and still isn’t done. Keeps switching the reasons why it’s taking so long when I indeed have full coverage. Highly unprofessional and I wouldn’t not recommend their car insurance.

I'll get right to it. USAA is a terrible company. They have claimed I missed a payment as in a late payment therefore giving me an only option to pay in full. Now granted we have our vehicle insurance, our homeowners insurance and our boat insurance through USAA we are talking thousands of dollars a year for insurance. My option for myself was to go to a different company. I then get a call from a supervisor from USAA and since I threatened and actually left the supervisor gave me an option to go back on monthly payments so this tactic doesn't work with me and quite frankly I call this terrible customer service. I advise you to do your research and go elsewhere. USAA is a money making machine with poor customer service.

I am a 10 year distinguished FC1 Veteran with 4 NAMs (SW) MBA and CAPM. That doesn’t mean anything and the only reason I share is because I feel that some of that might reflect my integrity and the honor, commitment, and courage that I tried to represent for my country. I have had USAA for over 10 years, homeowners insurance, car insurance, Amex and banking. When my defensive driving avoided an accident. I called in to see if my auto policy would cover a scratch on my rim (I braked and avoided the car that merged into my lane by braking and adjusting right). They sent out an adjuster and put an accident on my record for a scratch on my wheel.

Needed to know specifics re: glass coverage on family auto policy. Sent to five different reps, all were unable to understand a simple 'is this covered', nearly impossible to understand, unacceptable!

USAA total Loss claims group is an dreadful experience. They start out with a low ball offer and after rejection they increase a small amount and then it's a take it or leave it situation. USAA is not only unfair and they are arrogant and will drag a claim out for months only to tell you to settle or go back and try to negotiate with your own insurance company even though the USAA customer was at fault. I will never do business with USAA.

Once upon a time USAA had really good customer service. During my last auto claim process I was really let down. I dealt with not only one but two terribly rude, condescending, arrogant employees who turned me off to them as a company. During the claim they paid off the balance of the vehicle to the lienholder but made me wait over a week to get my payout. Meanwhile, they stopped paying for my rental as soon as they paid off the lienholder but left me, the customer, out in the cold footing the bill for a rental for like 10 days waiting for my payout! They showed me that they are not special like they claim to be, they are just another bank and the banks will always eat first. The customer is truly second class to them. USAA is now fired as my insurance company.

Very disappointed with insurance quote for my daughter, I asked for a quote if I wanted to add my daughter who has a learner's permit. In the end USAA tells me it is the law they have to add her. Well let me tell you Number 1 if I don't want her on my insurance this is my right, I have the right to purchase insurance elsewhere. And it is my right to tell you NOT TO ADD HER YOU DONT ADD HER, also if I feel to break the law that's my choice and it is not USAA place to force me to cover her. I may want her to get a job and purchase her own insurance and that is my right as well.

When it comes to customer service, Alan (unfortunately did not get a last initial or office location) w/ USAA customer service blew me out of the water. He spent an hour with me answering any question I threw his way. He was nothing but helpful, empathetic, and understanding and I cannot thank him enough for the amazing customer service he provided, A+. At this rate, I will be a USAA customer for life. Thank you for serving military families better than any insurance I have ever had. Alan made me feel safe and significantly more knowledgeable in insurance (leasing a car in regards to the insurance needed (in specific)), and I will without a doubt pay it forward. Thank you again, Alan!!!

From start to finish this company fails at auto insurance. They can't get billing right, they can't get renewal dates right, they can't get anything right. We were told a low dollar amount to get insurance started, just for them to tack on an extra $300 for no reason whatsoever. We are going along paying as normal until one day we get told our insurance is canceled. Come to find out this extra charge came from thin air and has been accruing late fees for about 2 years now and we had no idea. We try to get it resolved, only to get someone reading from a script and have no interest in resolving the issue, just to collect this other money. They claim we haven't been making payments until I show them a bank statement showing where they took out the payment, then they tell us about this unknown charge. SERVICE MEMBERS DO NOT FALL FOR THIS! THEY WILL RIP YOU OFF AND SCREW YOU OVER!!

I've been a USAA member for 37 years, and have completely satisfied with their service until now. In October 2018 a body shop damaged the interior of my vehicle, breaking a part on the driver's seat and slitting its leather nearby. The body shop fixed the seat part but said USAA claims declined to cover repair of the leather (stating it was a wear-and-tear crease). This is patently untrue. I noticed the damage the moment I opened the door, and am disappointed and appalled that USAA claims standards have sunk to this extent. Members should be aware that USAA, their trusted life-long trusted insurer, is apparently no longer the company it once was.

USAA was created for Military Officers, kind of like a Credit Union for Officers. It was the best available at the time and with a low risk pool of members - Officers the rates were low. I joined USAA in 1979 as Officer Cadet. Had no claims car, home, rental NONE for approx 25 years and later after retirement bad weather hit our home almost back to back for 3-4 years. This is when we discovered how USAA had morphed from a officer only low risk Insurance provider to a giant anybody who can pay a premium join and get screwed company. Customer service is terrible, no follow up, claims criteria absurd, and the list goes on and on. Greed destroyed USAA, and there are now much better providers out there.

We had a automobile policy with 5 cars and 5 drivers (3 under 23), it was an expensive policy. Customer service is horrible. We have gone with a new company about $1200 less, better coverage and a umbrella policy. Couldn't be happier that we left!

USAA has not paid for therapy from car accident April 2017. They are still requesting documentation. I pay timely, and automatically. I have a good accident record. I am an upstanding person and do not get unnecessary medical treatment! I am so disappointed in the treatment to me.

An excellent coverage, one doesn't have to deal with long waits or costly deductibles. The customer service representatives should improve their manners though, you're usually not in a desirable situation when you call and they should be prepared to handle a person in such state.

I opened an account with my girlfriend. Apparently her ex-husband from 1990ish had an account there, in the past. USAA opened the account but would not allow her to access the account until they verified her identity. This is what they did. They asked her all kinds of personal questions about herself and her exhusband's family. They were said the questions were public records, but they were demeaning and bullyish. I had to listen to her cry and her breathing was upset for hours.

USAA denied payment of road damage to 5th wheel camper after 3 months continued ins coverage. USAA ins agents said 5th wheel camper showed previous water damage and they would not honor ins claim, yet they insured 5th wheel camper sight unseen, no questions asked. USAA is a sorry excuse for a reliable ins company.

A USAA representative verbally approved a Ford Dealer in Austin to do auto repair and stated I would receive full payment. Subsequently USAA denied claim after the work was completed and refused to pay the approved claim of over $11,000. Attempts to have reviewed has failed. Legal action is starting. I have been a member for over 50 years and have find the company with its growth has lot sight of standing behind their mistakes.

In short, a claim was made against us and paid out of our policy without the USAA auditor ever informing us. We only found out when our renewal notice came and our premium was doubled. We had to reach out multiple times before getting a response and never received any resolution. We were never given the opportunity to contest the claim because it had been paid out so many months earlier that there was little that could be done. We suffered financially because of their incompetence.

I was struck by another driver while exiting the highway. The driver accepted liability at the scene and we both gave a detailed police report. I reported the accident to USAA the following day providing all relevant details including the police report. In 5 days I received a valuation report summary, a settlement amount, and the promise of a deposit to my account once appropriate paperwork was signed and returned. It has now been over a month and USAA has not rendered payment or been able to explain the reason for the delay. I am pissed to say the absolute least and encourage others to share their stories as I believe that USAA is systematically and intentionally mishandling auto insurance claims for profit. To USAA, if you are reading; be ready for the lawsuits, because they are coming.

My husband and I have been loyal USAA customers for well over a decade. Although USAA is not the least expensive insurance, we maintained our homeowners and car insurance with USAA because of their focus on military personnel (my husband spent 12 years in the Navy) and customer service. Due to some financial considerations (we have two girls in college), we recently switched our insurance from USAA to State Farm. This was purely a financial decision. Ironically enough, on 3/4, a woman who is insured by USAA backed up into my car in a parking lot. It's been eight days and I have not heard anything from USAA. I've left 3 messages for the adjuster and have not received even one return phone call.

They should be banned from doing business in the insurance industry altogether. I have got nothing but a bunch of lies from them to where I am forced to file a complaint with state insurance commissioner. I advise everyone should do the same and try to take advantage of people who their clients caused damage to innocent people then rob them of fair settlement when their client is at fault just be as detailed as possible. I classify this company in the same class as child predators taking advantage of the innocent people because of their greed. If I was able to give them negative stars I would.

USAA was a great company for many years. Easy to talk to for getting insurance and easy to pay for the policy, however, filing a claim now is another story. When I filed my claim after receiving rear end collision caused by a Nascar wannabe driver who was speeding and weaving in and out of traffic, the first words I heard from USAA was, "It will cost you $500 before your car can be repaired." That is my collision deductible. When I called the recommended repair company, they said just wait until I pick up the car and pay it. I asked for a rental car but USAA said I would have to pay for it because the other car did not have enough insurance, and I did not have rental insurance. I have tried three times to talk to the adjuster and failed. I've been with USAA fifty four years and have had only four small claims. So let the buyer beware of USAA.

Coming from a long line of military, I’ve had USAA insurance for homes and cars my whole life and they truly were the best and cheapest for a long long time. In the last couple of years however, they have truly gone downhill. Their rates are outrageous and their customer service is very poor. It upsets me because I’ve always felt privileged to qualify for USAA and y husband, who has only seen the “new” USAA thinks I’m crazy for swearing they used to be good. We’ve had two bad experiences that despite my fierce military loyalty caused us to cancel our homeowners policy last year and I just recently I had to admit there is no good left in USAA and cancel my auto policy.

I have auto insurance through USAA and was in a car accident last year. We had a policy which included $5000 per person for accident related injuries. I was treated and they refused to pay the full bill because my provider treated me for 8 months. They claimed they were only responsible for covering 4 months of the payments. Why pay for a service that you cannot even use? What a joke! This company is crooked. We are cancelling our policy immediately. Medpay is the worst.

I have been with USAA for a little over 3 years including Auto, VPP and Renter's Insurance and in all this time I have never made a claim. I recently shifted from being active duty to the civilian world so my bi-monthly consistent payments have shifted from being just that (consistent) to the civilian world's. I recently decided to change my date online to a later date in the month, I made this payment with sufficient time and what should have been acknowledge by glitch in the system was disregarded.

A tree from my neighbor fell over the fence damaging the fence and my storage (tuff shed) and I have had to call them multiple times with no response. At this point nothing has been done to fix the problem.

USAA claims to take care of the military when really they are just like any other greedy money making corporation. I am two time overseas combat veteran that has been a USAA member for years. When I was involved in an accident with another USAA member who was at fault, they are refusing to pay fair market value for the total loss of my vehicle even though I have provided them multiple times with proof of the actual value. I want USAA exposed for who they really are, a Greedy, Money Hungry Corporation that could care less about service members, veterans, or anyone else.

I decided to fill out an membership application, in order to get quotes for Auto and Home Insurance. The first thing I noticed, that was a warning sign, once I had provided my information, was that USAA already had a LOT of info about me? The quotes I received were based on Insurance Policies I already had elsewhere, which they obviously had access to? Both quotes, even factoring in a discount for multiple policies, were a little higher than my current ones so I decided I did not want to be a member after all. I discovered there is no way to "resign" online so I called.

Not covered if you're on a dirt road, even if it's a county road, etc. Won't come help at all. Was also told that not covered to get keys out that were locked into a rental car (automatically locked even with keys in the car). Know what you're getting. Back to AAA I go.

Please note that I just received an alert from my bank and found that USAA charged my account twice for my auto insurance payment. I am being told by USAA that there was a system glitch and cannot fix this problem until they know why this happened. I have to wait until they figure out what the problem is before they start refunding the duplicate payments. Is this insane or what? This is theft! I was told there was no manager on duty. I told them they should fix this on a customer by customer basis but was told they did not have the authority to do this. Can an attorney help me with this? That was a lot of money deducted from my account and I have to wait until they can figure out why it happened and then do a big sweep to fix everyone's account at once. Never sign up with USAA!

USAA is the most overpriced insurance ever. They are charging me $966.59 every 6 months for my F150 (clean driving record). I never thought to shop them, then I did and I found out it was $400 for 6 months with Progressive. I believe USAA is taking advantage of military and from all the other disable Vets that use you.

We had a work vehicle hit by a USAA policy holder. He admitted to the fault. I filed a claim by phone and was told it would have to be investigated and given the name of our adjuster. I was told that I would be receiving a call from our adjuster within a few days. One week went by and I called back in and had to leave a vm with our adjuster. No return call. Called back, left another vm. No return call again. I called back in, spoke with someone else and was told that their systems were down and that I would have to call back in again.

I'd give zero star if I could! USAA is a HORRIBLE payor in regards to PIP claims. They stop the payments for ongoing treatments despite of eligible benefit/coverage for PIP. SO unfortunate for all USAA insured that the company they are paying for doesn't cover for their medical expenses. Most PIP attorneys I have talked to know about USAA's awful payment procedure. This company is the worst of all. Honest opinion!

Horrible representative. When breaking down an issue that occurred he tried to turn things in conversation. Constantly cut me off. Didn’t help at all. Very back handed organization. Avoid at ALL costs and if you have them get rid of them fast.

While in the military I got USAA Auto Insurance for coverage on my 2 vehicles. I never filed a claim or had any incidents. The next year I got a notification that my rates were going up $120. I called and asked why and was told that they factor in claims from the surrounding states and that determines the prices yearly. What a joke. I cancelled and went to Farmers State. Saved over $200. Stupid company.

When attempting a activate a youth card for my son that was attached to our account, we took a little too long entering a PIN number, and was forwarded to someone who was not only rude, but could only tell me that I needed to call back and ended our call by hanging up. No, "Have a good evening", or even, "Goodbye". Called their customer service number and the representative that answered was nice, but she had to get her supervisor to answer a question. The supervisor got on the line and proceeded to tell my son they didn't have any authenticating questions to ask him and proceeded to list things he needed to do to be recognized.

USAA is a joke. They disguise themselves as a business that serves our military, but that couldn’t be further from the truth. The rates are very overpriced. My husband’s deductible was $500 for windows essentially meaning that windows are out of pocket. His monthly rates were frustrating as well because they would constantly flucuate. If you’re someone who even loosely budgets your money, I’m here to warn you. One month it’ll be $50 more than the next. When I was quoted for car insurance they wanted DOUBLE what my current provider is charging me & they still called to see if I “missed” some savings on my quote. Which brings me to their calling system and their overall customer service. If you want a quote, let alone a claim, get ready to sit on the phone for an hour.

USAA isn't what it was... And that's really bad. As a Veteran and from a military family I've been insured by USAA since my 20s...I'm now 78. Throughout this time USAA has always been caring, quick to respond and pro-active in our relationship. At some point in the last ten years that began to change. No longer are there friendly chats with a USAA representative in San Antonio... That's gone. I've had very few reasons to file claims with USAA. However, in early February of this year (2019) I had a minor brush with the base of a street lamp. (I backed into it not seeing it beyond a blind spot in the right rear.)

Little story here. Got hit by a deer. Tried applying for a claim. Found out I had been dropped due to driving history but when I sent them the info proving them they were wrong and had bad info they wouldn't bring back my policy and cover the damage, even though I had been with them for 5 to 6 years while I had my car and a veteran but guess that doesn't matter to them. So I highly recommend not using them for anything!

Huge savings with same coverage when I shopped around and saved 800 dollars PER YEAR FOR 3 YEARS NOW!! I am a former 12 year insurance agent for auto insurance. Trust me... Shop around! Sadly, as a veteran, I must say they are a ripoff.

USAA failed to correct my address in all areas when I changed my address in June 2016, resulting in being overcharged for insurance. When I just so happened to notice on their website yesterday, I contacted them. The address is correct on the mailing side, I canceled homeowner's insurance (because I sold that house), but did not realize they failed to update the "physical location" of where the vehicles were stored.

I have been a USAA customer for well over 20 years and have always had great experiences with them with both auto and home coverage. Within the recent years there have been many signs that the customer service that we had come to love is fading away. We have glass coverage for our vehicles, file a glass claim. We are told that Safelight is their preferred vendor and that if we go elsewhere they may not cover the costs and would not know until after we paid and submitted a bill. This is an effort to steer us towards their vendor.

My vehicle was sideswiped by one of USAA's insureds and all they wanted to do was TOTAL my vehicle. My estimate to repair is $1,764 and according to USAA the Fair Market Value of my car is $2,477. I would drive the car across country right now with no reservations. But they don't want to budge.

Spoke to an agent about getting an insurance quote. A ridiculous ordeal... in itself. Have dealt with other insurance companies and have NEVER had a issue. Gave the agent all our information. He sent an email with what our monthly payment would be. No other details about what the policy would cover, nothing about the details of coverage. Just send a check. He did give us an ID number and said we could go online to look at the quote. OK. So that requires you go online and then to tech support because it would not even take the number he gave us.

I am beyond frustrated and irritated at this point. In August, my vehicle was involved in a one-car accident. Thankfully, no one was physically injured, but the emotional pain has been overwhelming. This company paid for me to have access to a rental car for a week while the adjuster assessed the damage to my car. It was at this point that the nightmare began.

Fraudulent charges were made on my credit card after I got my wallet stolen in October. I immediately called USAA the following day to cancel the card and get the charges taken off. Two months later, I received a call from a USAA claims representative and they asked me questions in an interrogative tone and ended up piecing her own story together stating I was responsible for the charges because “a pin” was used. At the end of the day, my role as the consumer isn’t to know how the individual stole my information or why they used it on two separate ATMs on separate sides of town. It is, however, to report the case as fraud and file a police report, both of which were done and the documentation was sent to USAA.

My nephew was parked in front of a friends house when a USAA member did not take time to defrost his windshield. He was basically driving blind, he plowed into his Jeep on the opposite side of the road, which totaled the Jeep & that’s only the beginning of the problems! The insurance company said they were taking the Jeep to their lot (that’s an hour & a half away).

We've been with USAA for 15 years. My husband is a Marine. Back in the good old days it was superior customer service with outstanding products. We have a pers. loan, car loan, car ins, life ins. and credit card with them. We are for now stuck with them until we pay things off. But our insurance we have taken elsewhere. Due the reason that for at least last 5 years now every time we try to make changes on something we get a either a very rude, snotty CSR or fake and let you hear what you wanna hear CSR and things never got done.

I have had USAA auto insurance since 1991. I have had 3 auto claims in that time. Once some hit the side of my car while illegally passing, once an uninsured driver hit my parked car in a bank parking lot and lastly for hail damage. All three times the claim process was simple and smooth. I was concerned when they paid out the uninsured driver claim for repair before receiving any payment from him as I didn’t want my rates to go up but there was no deductible for me to pay and the rates stayed the same. I have also used the windshield repair claim twice without a problem or deductible.

Wife was involved in a collision with speeding dump trucks on highway caused by a third party. Car was totaled, wife nearly killed. Member for 25 years with no claims. Had uninsured motorist coverage which should have covered claim. After five weeks I called the adjuster who became abusive and mocking of my wife. Wanted to reach through the phone and choke him. Found his boss's number and complained. No action. Found next boss and complained. No apology, no action and no settlement. After 8 weeks decided I had enough of the adjuster's lip and called airline for ticket. Told him to expect me. Then they settled.

Hello! I have been with USAA for the past 10 years. Not only did they disclose my bank records to my ex-husband (post divorce)... BUT... I went through a very difficult holiday for December 2018 due to a loss of pay (reduced work hours) and interruption in child support and they not only cancelled my auto insurance but increased it by $121 as a punishment for my inability to pay. ALL OF THIS HAD BEEN COMMUNICATED!!! SHAME ON YOU!!! In addition to charging an ABUNDANCE of overdraft fees. As soon as I am able to change banks, auto insurance and can actually afford to move my business somewhere else I am gone forever! So disappointed.

So, I needed to make a payment for a past due amount. I noticed the rest of the policy was due and offered to make the entire payment finishing the policy out ($490). Attendant told me I was fine to make one payment only. I do. I get receipt number. This week I get a letter dated Jan 20th (two days after my payment) but postmarked January 24th saying my policy was going to be canceled because I did not make payment for full amount. (Keep in mind I offered.)

My minor aged son was involved in an accident with a USAA-insured party. The USAA-insured party was at fault. In order to get USAA to respond to me, I had to get my insurance company involved. Once I had a claim number, I had to repeatedly call them to get any response from an adjustor. Finally, they determined the car was totaled, AFTER 3 WEEKS. We were without a car for the entire time... They did offer a rental car for 3 days, but that was only while they were getting their paperwork together. I got NO call backs when I would leave messages, and the customer service representatives were rude, interrupted me, and repeatedly told me I was wrong. Not only will I never do any business with USAA, but I will hope and pray that I never have to deal with them again. DO NOT BELIEVE THEIR COMMERCIALS!!!

The company is real bad when it comes to payout for the loss. Even though it is for sure the insured fault, they will drag the payout and they go arbitration and trying to get away as much as they could. All those time consuming they should pay out the loss. It will save their company money in long run. However, the company doesn't realize that and wonder why they are getting such a bad rating. I would stop anyone who trying to get insurance with USAA. "PLEASE DO NOT INSURE WITH USAA..." And if you ever get involve an accident with USAA insured person, GOOD LUCK!!!

I am totally dissatisfied with USAA. I got diesel fuel with water in it. I should be covered under comprehension. They told me twice that I was covered and then within an hour, contacted me to tell me they're not sure yet. I will take 3 plus weeks before they will get me an answer. Their appraisers got delayed but no one notified myself or the shop. This is taking over 3 weeks and my truck is just sitting doing nothing.

Filed a glass claim in May 2018, fix windshield. 100 dollar deductible, paid, then in December get a call from Safelite saying I owe them 400, for a 500 comprehensive. What the heck, call USAA, and they said they would look into it, nothing. Now today Jan 25 2019, get a call from a collection company, no notice nothing. So USAA had duplicated my claim with 2 different dates. And after hours on the phone would do nothing to help resolve their mistake or Safelite's, so I'll pay the 400 and cancelled my insurance with them on 3 vehicles and went with Progressive and got a better rate. 20 years retired military, and now I will give my money to Progressive...

First of all, I was in an accident on December 9th my vehicle went in a ditch well the first experience was I called for a wrecker and took them five and a half hours to come, then I finally had a good Samaritan who came and pulled me out of the ditch. That was my first experience with USAA insurance. I never been in any incident or accident with this company then as of yesterday I'm still dealing with the claim.

After USAA sold my mortgage debt, without notice to a servicer I'd never heard of, I suspected that the culture of USAA had changed. Last week I called about a VA refinance and mortgage for a property I inherited and was told they don't do that. So they sell vets' USAA bank mortgages off and they don't do Texas 100 VA loans. So I asked myself, what do they do for veterans? And I couldn't think of anything. But after today's experience with "roadside assistance" I am done. USAA couldn't doesn't care about vets at all and has become the worst big insurance company on the market. Here's to this scummy garbage company going out of business.

Updated on 02/01/2019: On 1/28/2019 USAA put $1776.25 in my checking account. The repairs will cost $2145.47. USAA expects me to pay $369.25 on the repair that wasn't my fault. USAA rep said it was because my repair shop was higher on labor than others in the same area. I checked. They are $2.00 dollars higher. I have made several phone calls to USAA but got some, "Oh I'm sorry. That isn't right." Others just gave me excuses that sounded so stupid. One guy that said his name was Tim, said he was going to look into it and call me the next evening when he got to work. That call never came.

Very displeased with how my property claim was handled. I have been a USAA for about 6 years now. They were my auto, renters and VPP insurance for that time. Never have I ever had to use them for help. My vehicle recently got broken into, at the parking lot of my gym. I called police, told them about the damages, what was stolen, and filed a police report. Right away I set up my claim with USAA. Unsure about filing a auto claim for my damages, due to non severity - I only filed for a property claim. What was stolen out of my car was my car title (which is a lesson learned), car registration, my charger cables, my double child jogger stroller, a baby carrier, and my school backpack.

Looking for another insurance company. Been with USAA for over 20 years. The last incident has truly blown my mind. Last spring was hit on the highway from behind. It was on an off ramp. I was merging into the off ramp and the driver behind me sped up and hit my car, plowing me into a divider. I sustained neck and shoulder injuries. USAA not only decided that I was at fault but now battling them over the medical bills, which they are not honoring, even though they told me to go to the ER. There was a time when they guided you correctly, ensured they had your back, but no more. Goodbye USAA.

Lady backed into my car and has USAA insurance. I had to fight with them to get my car fixed. I got a rental car from Enterprise. Small car and dirty. Lady said that’s all they would pay for. I know to never have them for my insurance company. They are awful and rude.

So I was rear ended by a client (buddy of mine) of USAA in November 2018. So he makes the claim and tells me they should be contacting me soon. 2 weeks go by and I finally was able to get through to someone (since everytime I called they stated there system was down and couldn't pull up any info on the claim) just so I could get the adjusters info and figure out getting the car repaired. So they finally get my car towed to the shop and the estimate done. USAA then fights with the shop and stalls my work getting done because they didn't want to fix the underlying damage done to the chassis of the car or the creased rear quarter panel. USAA only want to replace my bumper and that was it.

I’ve been a USAA member for over 30 years. I joined in the early ’80s when it was restricted to military officers. I’ve never had a claim or a traffic violation. I’ve never requested payment from USAA or filed a claim. I feared that service had deteriorated with the expansion to NCO’s and then the general military. My girlfriend had a small fender bender last summer. The service could not have been worse. I’ve sold expensive software in Silicon Valley for 25+ years. I’m very focused on providing outstanding customer service. USAA’s service in this situation was the worst imaginable. Their interactions with us were absolutely the worst. They did not care that I have been with them over 30 years with no claims. I estimate I’ve spent over $100k with them on insurance coverage: home, car, umbrella. I dropped all coverage with USAA because of this incident and switched to Mercury.

In 2015 a driver reversed into my car and fled the scene. Submitted a claim to USAA, provided license plate number, color, make and model of vehicle. Nothing. A few weeks later a person who was not affiliated with USAA, gave me the driver's name and address; submitted information to USAA. Claim settled in my favor. Sept 2018, contacted by USAA at 6:30 am in the morning. According to the representative my son was reportedly involved in a hit and run incident. My son took photos of his car, and drove it to a reputable body shop for them to take photos and assess the damage. My son denied the hit and run allegation.

I paid my insurance through the USAA App. Keep in mind I am on Auto draft. I went in and paid before it was due. Needless to say I was charged through the bank overdraft fees 2 times. I called Usaa (BANK) TOLD THEM about the 25 fees they put the monies back into my account. I called the insurance department in USAA the person I spoke to said they can't take off the 25.00 return check fee. No check was returned. I asked to speak to a supervisor...I was told they are not available to talk.

My daughter was hit by a USAA insured driver. He ran a stop light. He even said he ran the light. They said it was part our fault, because she did not look both ways. If you use this company you're crazy. Worst company Ever. My insurance paid me Nationwide, they will sue USAA.

I would not use this company USAA for anything again. When you have a claim you have to think of how you are going to be treated. After all that is why you are buying the insurance in the first place. I had to get a attorney to sue them and we have to take them to court. They hire doctors that will say there is nothing wrong. So they will force you back to work when you are hurt so they don't have to pay me or my medical bills are adding up over $300.000.00 and my doctors tell me I am not employable again.

USAA is the worst insurance company I have ever dealt with. I have been with them for one year and am not renewing. Customer service representatives are not knowledgeable and can't answer all questions. I have been transferred as much as 3 times and still can't get an answer. Quite often I am hung up on. When I do get an answer in regards to my payments then I call to verify in a couple of days because I don't trust the person I talked to the new person gives me a different answer or transfers me to someone else. My monthly payments are always changing. I have dealt with many auto insurance companies, but USAA is the worst. Beware of this company, as no one seems to know what is going on. They still me $203.31 which they say I should receive within 10 days, I hope so because I am so tired of constantly calling them and spending 30 to 40 minutes on hold while they are checking with someone else and never do get anything resolved.

I recently applied for USAA services, and have received a denial letter, due to my discharge as not being “Honorable”. I can tell you that my discharge was honorable, and I cannot believe that their employees cannot read Basic English. I will not contact the Department of Defense, as instructed, since the wording clearly reads on my DD214 section 24. Character Of Service “Honorable”. Try getting a hold of a live body, forget it.

Trying to share the experience we have had with everyone. This is the review posted by my husband: I have been a loyal customer of USAA for approximately 10 years now and have been overall pleased up until my wife and son's car accident a few weeks after his birth back in March 2018. Here it is January 2019 and I still have yet to get payment on what was deemed to be a total loss. There was even a point in the process that I had no idea where my vehicle was. It took nearly 7 months before it was deemed total loss and I am currently waiting to see if they received the second title because they lost the first one. Almost every time I call and wait the 15-30 min to speak to someone the phone miraculously hangs up.

My car was totaled by a USAA driver will sitting in front of my apartment on 12/04/2018. The process was going pretty well until it got to the claims adjuster. She called about a settlement offer on 12/07/2018. I called on 12/11/2018 with mine and got no response. It is now 01/04/2019 and I have not received one call back text, letter or email from any of the 7 or 8 calls I have made. I just keep getting the same voice message every time I call and to call when I leave my name claim number and phone number. After reading all the other complaints against USAA this seems like their normal way of doing business, just hoping you will give up and go away. When your property has been lost by no fault of your own.

Since 2011 we have used USAA for our car, homeowners and renters insurance. Throughout those seven-plus years, we have never missed or been late on a single payment. For decades our credit score remained in the 750-770 range. However, over the course of the last several years, we encountered a significant financial setback. We sold our home, applied for jobs across the country, and worked night and day to get our own small business off the ground. Despite our best efforts, last year, in order to keep a roof over our heads and food on the table for our children, we were forced to skip credit card payments. Within a few short months, our credit score went from excellent to poor. Nonetheless, we managed to pay out rent, car payment and insurance on time, for which we were grateful.

My father & I became members because I wanted to invest 500k. I was sent packet from them but that’s about it. I have contacted them 3 diff times. First time a guy named Sam seemed preoccupied. 2nd time was told they would send packet & call on particular Friday but no call. I planned on switching 2 household ins policies & also 2 auto policies to USAA but want to feel comfortable. So far not even close...

My total loss adjuster has never called me. Even though I’ve called her and requested callbacks. I’ve only spoken to Mary Jo in general claims (who is very nice). Today someone called me from USAA yelling at me that I didn’t release the total loss vehicle for her to pick up when no one instructed me to do that. Plus I have items in the car I need to retrieve. She didn’t ask anything. Just started saying what I didn’t do and as I’m trying to explain what I was instructed through the communication center she continued to overtalk me be rude and tell 'em she’s worked with you all for 12 years. You may want to revisit that; and on my birthday of all days. I asked to be contacted by a manager because I’m tired of the way things are handled in total loss. They need to do better and get better.

USAA basically played the bait and switch on me. I was quoted a price to which I agreed upon. A month later I get a letter saying that USAA has increased my premium cost and would be helping themselves to my bank account for the difference. They did this two more times increasing my annual premium by over 300 dollars. When I called them on it they said it was from the home inspection. Well you increased the premium but the total coverage stayed the same. USAA should not be allowed to use veterans as their poster people. They are exploiting the veterans of this country!

Not sure what’s been happening with USAA but their customer service has been on the decline over the last several years. Running joke is how many USAA reps does it take to solve a problem or process a claim? I know, I’m still counting! This used to be an excellent, proud organization with almost instant resolution at the point of care, in one phone call typically. After 20 years with them, it has turned into every other bureaucratic institution with “customer service” reps of low skill level, and low critical thinking skills (if any) who read off the script (those with literacy skills that is). I have no issue with a script except when it doesn’t apply, lacks context and makes no sense to my issue at hand! I hope USAA leadership heeds this feedback and makes the necessary corrections to distinguish yourselves like you used to for members. You’re not the only gig in town and members will leave you for better care and treatment.

I had an accident involving a USAA member on 12-20-2017. As of 1-1-2019 the claim has not been settled. Accident was fault of USAA member according to report. First of all, you cannot speak to a claims agent. You have to use e-mail. They will not call you back. When they do respond by e-mail, they have no clue what you are talking about since you cannot talk to them. My vehicle repairs did not start for 7 months after accident. They did not call me, the repair facility did. I had no input on where repairs were made. After repairs were made, they would not pay a bill for repairs I had to have done so I could drive vehicle (radiator issue). E-mailed them many more times. Each time got an email and never a phone call. I finally sucked it up and decided I just needed to spread the word on how sorry and unconcerned they were. I respect all military personnel, but please don’t be swayed to use them due to their fancy advertising that they care about you.

This company is atrocious. USAA claims that it’s always there for its members. This is a tremendous lie. I was involved in a hit and run and USAA refused to have my back based on a technicality. I have been a loyal USAA member for several years and paying a fortune to this company over that amount of time. One would think that a company so “honorable” would honor its word to its members. I had several agents tell me my loss from this incident would be covered under my uninsured motorist coverage. However, based on a technicality that shouldn’t have been permitted in the first place, USAA chose to not honor its word and left me to fit a huge bill that I’ll be paying off for years to come.

On September 21, 2018 a red truck hit my car and drove off. I filed a claim with USAA. I was asked if there was a passenger and explained I did, but I did not have, nor could I retrieve his information because he was an Uber passenger & Uber would not give me his name or other information needed. The passenger could confirm I was intentionally hit as I did give chase for a short distance of about 1000 yards, but had to break off because of the passenger's safety. I was told by Uber to have the insurance agent send them an email request to acquire this information.

They have no problem accepting $$ but if you have a claim forget it. They use a third party then low ball the car then do not pay. Repeat paperwork that you have proof of receipt they received but lost so they resend. Delay... Two months can't get a MGR to call back cancelled INS. They do not take care of VETS as they claim. A joke of insurance company.

I have been a member for several years now, used USAA for just about everything, checking, savings, rental insurance, auto insurance, and was looking to use their new car buying service, but that’s all getting canceled as soon as my claim is closed. My car was totaled at the fault of the other driver and going through a total loss claim with this company is insanely infuriating. They push you to use the app and “communication center” all the time. Well, there’s one problem, it’s missing communication. They ABSOLUTELY SUCK with communication, period. I’ve spent over 60 hours of my own time doing legwork for this claim, and quite honestly I don’t even know what the hell I pay them for because they are doing nothing but causing frustration.

I have been with USAA since my car accident in 2011. The person that hit me had the insurance and I had a friend that also use this car insurance and told me that it was great. I used the insurance and loved it. They are very friendly and professional. Help you with any problems or concerns.

I wanted to make a change to auto coverage policy but I have been repeatedly told they cannot confirm my membership even though I have had multiple (home and auto) policies for over 3 yrs. I now know the names of EVERY person in their auto dept. after spending three days on the telephone and having their internet being absolutely useless. Here's the kicker... I received my semi annual bill from them today. They know who I am for the money but apparently don't know me when it comes to communication re the policies! The last thing I was told was that they would resolve my issues, but so far this has not happened so when my due date on all of my policies comes perhaps then when the money doesn't come in they will contact me. The word CANCEL will be used!!!!

We filed a diminished value claim after $11,000.00 in damages to our new Subaru Outback and received a whopping $800.00 after being told our car had diminished in value of at least $4,000.00 by multiple appraisers. After contacting USAA multiple times no one returned phone calls, the typical delay tactic. Finally after getting a hold of someone in the appropriate department we were simply told the amount was nonnegotiable and there was nothing else they would do.

I have had USAA for 15+ years and have filed less than 5 claims. In the past 6 months, two issues arose. I called USAA with questions (NOT CLAIMS) about these matters, and was treated with disdain. I received a flood of emails & numerous phone calls about my "CLAIMS." I called to ask why I was receiving these contacts and explained that I had filed no claims, I then received a notice about my "disputed claim." I know folks who are happy with USAA. These folks file many claims -- storm damage; auto dents, etc... USAA seems glad to throw checks their way. Maybe the secret to a good relationship with USAA is to file many, many claims and do so boldly whether there is a basis for the claim or not.

Spent two hours on the phone with USAA auto and USAA credit card trying to get $361.00 credited off my card for a cancelled auto policy back from October. I was transferred back and forth from the credit department to the insurance department because each department blamed the other department for the duplicate billing. So after two hours on the phone the insurance department acknowledged the error and transferred me to the credit department. The CC department could not do the credit and sent me back to the insurance department. I finally got to a senior executive that told me to hold on for just two minutes.

Imagine a large company that has a track record of always being behind in security. I constantly emailed them about issues they were slow to rectify. Now they added layers of security that prevent you from logging onto your account. They share your information and have issues with their web security. Nice people and support but their tech folks must be from Experian. I lost faith in USAA and it is sad they have gone with way with other large companies...run by idiots that do not care about their clients.

I have been a USAA customer for 30 years. They have the best customer service around... by far. Recently my daughter had her first car accident. Everyone was (mostly) OK but her car and one other car were badly damaged. USAA was beyond incredible, providing support every step of the way and making a difficult situation much easier. Their coverage was equally fantastic. Rather than look for ways out, they did everything possible to cover everything they could. As a first year teacher who was just getting starting out on her own, USAA was there and incredibly helpful when needed.

This review will be very helpful to those of you looking for auto insurance or if you currently have USAA auto insurance realize that you must switch. USAA raised my rates when my car turned 3 years old Stating it was no longer considered a new car!! No other reason. I was in an accident and other company accepted liability (person pulled out in front of me). I decided to process my claim USAA thinking they would represent my interests and deal with my repairs and the other company. USAA tried to force Napa Auto made suspension parts on my car, when the expert certified technician told them they should be OEM due to it being a safety issue. I have an Audio with Quattro that saved my life in that accident when I went up on my 2 left wheels and it never skidded an inch. I came back down on all 4 wheels and pulled over.

Just joined after hearing glowing review from a friend I called and set up auto Renter Insurance and honestly feel forced into opening the USAA bank account due to saving money and the salesperson bring this up ever other sentence very good scriptwriters working for this company. Well tonight I had not gotten my monthly payment and I needed the information. After going thru 6 people and 4 proving codes the last person said no one has security to help me so they just toss me from one person to another.

I am a disabled vet who served proudly. I was discharged under general but honorable conditions and USAA would not give me full coverage on my vehicle simply because my discharge did not say "honorable" ONLY. What a disgrace! This is the treatment we vets get from this country and especially from USAA. Whose whole mantra is serving our servicemen and vets. WHAT A DISGRACE! So what about the benefits for that I was suppose to be afforded and are denied simply because my discharge was general under honorable conditions. This company and its treatment of vets is a joke. USAA is a disgrace and hope people see this company for the trash that they are. Go to hell USAA!

USAA is not what it used to be. Their customer support is terrible. Their use of electronics is terrible in their phone and support is even worse. I tried to file a formal complaint and they have no mechanisms for complaints at all. I went so far as to call the CEO and he refused to answer the phone. This is a CEO that has lost control of his company is obviously a coward not to speak to a people calling in. Until the customer support improves, their web support improves in their phone dialing improves I cannot recommend this company anymore.

My car was hit by a USAA Auto insurance customer. The USAA client's responsibility was not questioned. I was made to jump through hoops over months to receive compensation for the damages. There was also the question of the accident diminishing the resale value of my car. USAA offered 15% of what the damage was determined to be by a third party evaluation. USAA stopped returning e-mails and has become unresponsive. I will have to sue the USAA client to be compensated for my damages.

I was a customer for 15 years, but am in the process of ending all business with them. A few years ago I originally tried to cancel all of my accounts and policies after I was involved in a minor accident caused by a mechanical failure. Despite overwhelming evidence, I was determined to be at fault and they raised the cost of my policy. I was in the process of cancelling everything when I got orders overseas and unfortunately USAA was the only company that would insure my vehicle outside of the US so I had to keep them. During my next overseas assignment I no longer needed their vehicle insurance and called to cancel. I was told the policy was cancelled and I even added a renter's policy.

We have been a customer of USAA for 26 years. We bought Homeowner's, Auto, and Umbrella policies. We never had a claim in that 26 years. This year we had a hail claim, and dealing with USAA has been THE WORST experience ever. We used USAA because we thought they had a good reputation and took care of their customers. Don't be fooled! It is now five months later and we are still nowhere near a resolution. The first adjuster claimed only a quarter of the roof was damaged when damage was clearly visible everywhere. Throughout the process, USAA claims personnel or their representatives (including managers) have behaved unethically and without regard for the company's reputation. Not sure what has happened to USAA, but I sincerely regret doing business with them.

We had been with USAA for less than 3 yrs, when my wife had an accident. USAA, in a timely manner settled our claim in an excellent manner. I talked to a number of reps during the process, but they were always considerate and polite. My claim was settled in only 15 days. I cannot find any fault with USAA and have always been treated very professionally with all our interactions. THANK YOU USAA.

USAA has been making me try to sign a W9 form for personal checking account. It is not a business account. I have contacted a tax attorney and she stated that it is not required by law to fill out a W9 IRS form for a personal account. However, if any monies are deposited in the personal account for a business, they must be calculated in the federal annual taxes. USAA, quit trying to play the IRS role against your customers!

I have bought my auto insurance more than a year ago, I got a quote of 350.00 per month, which is so high for insurance on an 09 Dodge vehicle, at the time I thought it was expensive, but since I had a speed ticket I thought that would be the average monthly payment. Usually my ex was in charge of those things. However not until I needed to use the insurance to get my vehicle towed to the shop, I found out from their representatives that there is no such thing as full coverage, which I assumed that what I was paying for!

I am so very frustrated and disappointed in this company that words cannot describe my experience. They are just horrible and bad customer service does not even describe how uncaring they are for military people. I called them to take care of my son's policy and I have durable power of attorney as he is not in a position to care for his affairs right now (medical). I had to wait 6 weeks after I sent in paperwork to have the power of attorney in place. I then was able to closed out his car insurance and got a small refund check.

I do not even have the words for how bad this company is. My husband is a marine and used this company due to their military support, but after our recent incident we are canceling our policy. He wrecked his car at the end of September and we still have not received our claim. We have called once a week only to be transferred at least six times to different departments. When sending back our papers we were given two different sets of instructions by two different departments and it caused our papers to be “lost”, they did not even inform us. They waited for us to call them. We finally received an email saying that we would receive our check within 5-7 business days, but today being day 8 we decided to call and check in once again. When we called we were told that our check was just sent. I would not recommend this company to anyone and I would advise those who have it to seek other options.

I have insurance through State Farm but my wife was rear-ended by a driver with USAA Auto Insurance. I was very impressed with how quickly and thorough the process went. She and the kids were on their way to Grandma's (out of state) when the accident happened. USAA had a local body shop repair the vehicle and it was completed and back on the road within one week. We called our State Farm agent who made some calls and helped with the process. I have read so many negative reviews about insurance companies and claims.

I had a driver hit me on the driver front side of my car as I was making a turn and USAA told me we were going to have to admit fault on this one. My first thought was, "Do you work for me or the other party?" The agent was so rude and disrespectful, telling me we were not going to continue discussing who is at fault. The driver was behind me and ended up in front of me with no damage to his bumper but to the front side passenger area. His car looked like it had already been in an accident before. He was trying to go around me as I was making my left turn. Save yourself the headache and do not purchase this insurance as they do not have their customers' best interest at heart. Also when I was waiting to have the car towed the tow truck never showed up. I ended up driving my car home very slowly for about 40 min to get home. The next day I had USAA tow my car from the house to the body shop and that was a 4 hour wait.

On 10/15/2018 my coworker drove into my parked car. It was an unfortunate circumstance, my coworker felt awful, and he immediately gave me his USAA insurance information to begin my claim. The process began that night when I contacted USAA about the accident and was given information about my adjuster and was assured I would hear back from her the next day. The next day I left her a voicemail and she did not return my call. I ended up calling back and speaking to another claims representative who provided me with the diminished value paperwork I was requesting and submitted the following day 10/18/2018. After 3 and a half weeks my car was repaired and returned to me, during which time the adjuster had not mentioned anything about my diminished value claim.

Updated on 12/13/2018: I made a complaint to the CEO's office and had to go that route earlier this year over a different issue. Which was handled poorly at first until a supervisor reviewed the phone calls from employee in the CEO's office and then things were made right. When I cancelled my insurance on 11/13/2018 after 24 years of service I thought things would get resolved to my satisfaction, with the representative Hugo at ext ** in the CEO's office. So on 11/27/2018 I went back to USAA and spoke with the representative Doug with whom provided the customer service we have come to know and expect from USAA. At that time I was not required to pay anything but chose to make 2 payments on my own at the time of reinstatement.

I am looking for a bricks and mortar insurance agency in my area. I am afraid USAA doesn’t have enough representatives. They have no individual contact numbers so it’s hard to ever speak to the same agent twice and to call USAA takes an inordinate amount of time. 20-45 minutes! Then I always have to go through my request again to each representative. There has to be a better way. I like most everything else. It’s mainly the worse when you have a problem!

USAA Auto Insurance, used to be one of the best companies to do business with. I had them for years and had no problems, whatsoever. Over the past couple years, their policy and procedures have taken a nose dive. Horrible customer service and “bullying” tactics about payment. I over-paid by $11.00, and not only did they cancel my policy (of nearly 20 years), they tried to charge me a 1150.00 down payment fee to get it re-instated. NEVER AGAIN!!!

Roadside assistance left me sitting on the side of I-15 for 4 hours today. Despite my pleas for help and letting them know I was not safe, I was not a priority or cared about. I'm wondering if this is retaliation for a not my fault claim that I submitted on September 19th, which has also not been resolved as of this review. I'm done with USAA. I would avoid USAA like the plague. They used to provide stellar customer service, however, my last two experiences with them have said they have changed and become a cut-rate insurance company. They are honestly acting like they are a for-profit company. Do yourself a favor and steer clear of USAA.

I am not insured with USAA, but have been fighting with them as their client did a hit and run on my car in our apartment parking lot (she was easy to trace by matching the bright blue paint she left all over my car). I have been fighting them for 4 months to have my car fixed. Granted, part of the issue was their criminal client's fault. I provided a printed quote to them with all of my contact information but they only passed on my physical address to USAA. When I finally confronted the woman with police action she provided me with a USAA claim number. Here's where the fight with them begins... I call and they say they closed the claim because they couldn't get in touch with me. Upon arguing no contact was attempted they admit they had no phone number nor tried to obtain one.

We had home, auto and investments with them for 44 years! Our car was totaled. Progressive, who covered the person causing the accident, as well as the police report and the witness said we were not at fault. The way it works is that USAA would handle medical bills until we settled and then they would be reimbursed by Progressive. They refused 2300 dollars worth of my medical bills even though they were going to be reimbursed by Progressive! They arbitrarily decided that they felt they were not justified. Their committee never spoke to me or found out the extenuating circumstances as to why my injuries were greater than my husband's. They delayed and often refused to return my doctor's calls, and were absolutely horrible to the doctor and unresponsive to my explanations.

It's hard to explain how inadequate USAA Auto Claims is. Every time you call about your claim (dozens!!!) you have to go through the whole process with a different claims person who knows nothing about your claim!!! This is the worst car insurance ever!!! They are a very incompetent auto insurance, and I would not recommend them to anybody. Horrible!!!

Been with USAA 4 years until November 1, 2018. Made one claim for deer damage that was paid in timely manner. Married with 1 vehicle on policy, 2 speeding tickets put me about 168 bucks a month. I am in the process of a divorce. Received call from USAA requesting to change my info due to marital status. Okay great, not a problem I appreciated the call. Removed my '16 Corolla which she has and added my '10 Tundra. Insurance MONTHLY premium now 306 dollars a month. I thought he was joking. I asked why such the increase? He said that I would not be receiving a multi car discount and that by changing my marital status from married to separated there was a slight increase. I said, slight? How in the ** is a double monthly rate slight when I never had the other vehicle on to have a multi vehicle discount? (I had gotten the Tundra that morning). He was able to get the monthly premium down to 275. Gee, thanks buddy.

I was very disappointed with a recent encounter with USAA’s auto loan service. I have been loyal customer with USAA for over 17 years. I have financed a house purchased two cars and currently have homeowners and car insurance them as well. I recently wanted to take advantage of the car loan and auto financing program which is offered through USAA which offered if you use their program you get financed for an auto loan with terms up to 72 months @ 2.99 APR when purchasing a 2017 or newer model. The goal was to purchase a 2018 Honda CRV. I imagine since I was a loyal customer with credit score of 780, I would have qualified for the 2.99 APR… Not. As a loyal customer I was offered 6.49 APR for 84 months and 5.49 APR for 72 months. This is a long way from 2.99 APR that is mentioned on the lock in your rate page.

I have had THE worst experience with USAA Auto insurance! October 2016, a driver struck my vehicle on the right side. Both the front and rear right rims cracked in several places. The body was also damaged. USAA paid to repair the body but still have not replaced or even attempted to repair the rims despite supportive written documentation and photographs. 2 years later (November 2018) and a personal out of pocket purchase of 2 rims to secure me and my family's safety, I am still being told that management will contact me but no one has.

I've been a customer with USAA since 1986. For everything - banking, mortgage, car insurance, life insurance. This week I am going through the process of transferring everything I do with them to another institution. They are not what they used to be. Every time I call I get routed to 5 people or I get put on hold for 20 minutes. My insurance bill has been wrong for several months and every time I call I get the runaround. Or I am told the billing has been fixed only to have the same problem happen again the next month. I'm done.

One of USAA's insureds rear ended my car. He was clearly at fault. Very nice gentleman. I had to take it to one of their approved auto repair shops for an estimate. Did so. The repair shop low balled the appraisal. Told me he was doing so because he could not see all of the damage and that a supplemental would need to be done once the shop that I had taken it to did the teardown. I had the name of the adjuster, bid, etc.

I have used this insurance mostly for roadside assistance. They are truly excellent, responsive, and helpful in getting you serviced quickly and efficiently at no cost. Of the few claims we have had, USAA has great service from the first phone call to the end, including making sure we get the right information, reporting the accident, documenting, etc. Most important, they are always there to follow up on the claim, they are proactive about it.

USAA Auto Insurance was very prompt with handling my claim and very expediently sent me a check to cover my total loss vehicle. Customer service representatives were thorough and took care of all my needs and questions promptly.

USAA claims they try to protect their members. I feel this is complete BS. I feel that USAA seeks to protect their shareholders and executives, over serving today's warfighters. In my case my vehicle was stolen Feb 2018. USAA continues to undervalue the vehicle and drag out the claim. Now October and we do not have any settlement. USAA is forcing me to pay for an independent appraiser looking to obtain fair value for the vehicle. I agreed to settle with USAA for $6K on 10/24/2019. USAA claims that I retained the vehicle after they crushed it and lowered the settlement to $5K behind my back. Claims rep Mary ** LIES claiming that I accepted the lower amount. As far as I'm concerned USAA and their insurance department is a group willing to lie, cheat and steal.

I like the ease and efficiency that USAA gives to its customers. The easy access by computer or phone allows you to talk to a real person and you can download and send information through their website. I was in a car accident and the customer service was excellent. They were concerned about my welfare and state of being before even asking me questions about the accident or my vehicle making sure that I was safe and OK.

I've been a member of USAA for over 30+ years, and even excellent service just a couple of years has gone downhill fast to the point I am considering changing my insurance company. I filed a claim for a leaking roof on 28 Sep. It took two week to have an adjuster come out. Contacted USAA a few days later and they told me they would give the adjuster a week before contacting them, then it could take up to 10 days to review. They later sent a notice that they were sending a reminder to the adjuster and were sorry for the inconvenience.

USAA has been nothing short of a miracle for us. I have a bad record and my husbands is just okay. Because of USAA I am paying the least amount I've ever paid for the best insurance I've ever had. They are very nice too. Would recommend.

I really like the company and have almost always had good service. We have been with them for almost 30 years and have only had one bad experience with one of the agents. My only complaint is that they are so careful, they don't insure everything. I had to use someone else for my boats and for my second home.

USAA has been great for me and I use them for several different products from banking and investing to car insurance. I feel that USAA is a company that I can trust and that they act in the best interest of the members. I got a slightly lower price quote from State Farm the last time my policy renewed but I think paying a few extra dollars to stay with a good company is worth it. I've never had a claim but I have heard from others that the process is easy and fair. The one downside is that not everyone qualifies for USAA.

I have been a USAA member from almost half of a century and the company I joined is no longer present. It is a sad commentary as to how such a great company has become such a not so good one. My recent experience confirmed how bad they have become. My auto claim was simple enough-- had exactly the same type a couple of years ago and it was handled quickly and fairly-- neither of those statements apply this time.

I've had USAA Auto Insurance for 27 years, since I began driving and my most recent experience has solidified that they are terrible at supporting their insured. I was recently sideswiped by a twenty-something while I was more than 3/4's into completing a lane change, after ensuring there was nobody else into the lane I was changing lanes into for more than a dozen car lengths, enough so I couldn't see the next car for more than a 1/4 mile.

Their customer service leaves a lot to be desired. I wish they were nicer and more willing to work with you. Their rates seem a little high for the coverage you get also. You would think as a company that is for veterans they would treat their customers like gold.

I've been with USAA for many years and I've used them for an auto loan, auto insurance, renter's insurance and banking. Up until recently, I've been really satisfied with the service I have been provided as well as the rates I've received. USAA always has stood out as the leader in excellent customer service. So I'm not sure what's happening.

I started using USAA Auto Insurance when I married my husband. We have always had good experiences with them, and we will continue to use them in the future. Their rates are fair, and their customer service is good. We have recently added 2 teenage drivers to our policy, and we are still satisfied with the rates and the service.

(I'd give them negative stars, but you have to pick a star) I am a USAA Member of over 18 years. Today I received a letter stating that my Auto Policy was being Discontinued due to Household Driving record. I have incidents on my record, one where I swerved to miss a herd of deer and hit a tree and the other I was driving down the interstate and I was hit by a flying piece of plywood. How does this justify me having my auto insurance discontinued?!? I called and asked to talk to the underwriter that made the decision and was told that I am not allowed to speak directly to them! I really do not understand what is going on. I then called to price shop for insurance and all of the premiums are through the roof! USAA has done something to where I cannot afford insurance outside their business and they won't explain how only after 2 incidents they are cancelling me after 18 years. I am so disappointed in this company right now.

My dealings with USAA have been quite decent over the last year that I have used them, as my folks have used them for many years. I've used their insurance and auto warranties so far and I've been happy as they've had great customer support in being helpful to better understand services and such. I also use their credit services and I've been please for the most part with it so far; there has been an issue I've recently with a merchant that sent a defective product and USAA has been very helpful in going through this ordeal to the best they can. The only other issue I can think of is that the login/verification can be difficult at times as each time you do it, they either want to call, text, or email you a verification code. This can be useful if you like good security, but it can also be seen as annoying. Overall I am quite please as being able to be a member of USAA and will continue to use them for my needs in the future!

The lady from USA was very rude. She stated she was not gonna a courtesy. 1 time reversal because she felt like we didn't need it... her name was SAMANTHA. She refused to give her last name or her rep ID#... she also chuckled when we ask to speak to a supervisor... This how so called reps deal with our military personnel who are trying to handle business. This is a disgrace... I'm gonna switch services. She messed up for the USAA team... I would never let ANYONE of military status that I know to use this agency... YUCK... This took place on Monday October 22,2018 at 4:05pm... Horrible!!

This company is outstanding. Their customer service is always excellent and claims are paid quickly. They stand behind their clients and have great prices. I can't imagine ever being with someone else and I've had their insurance for 40 years.

I’ve been with USAA for over thirty years. We’ve used auto, homeowners, and banking. Until about seven years ago our experiences were almost uniformly positive. Since then we’ve experienced a number of setbacks. We wanted to do a refinance with banking and because they were so awful personally we went to Regions. We’ve had repeated miscommunications regarding auto where we either made changes and they were not made, or in one case they dropped a driver in our family and refused to admit their error. Recently, we had a basic request to be taken care of after an accident that was not our fault. We couldn’t get through, and when we did, towing service was not offered until the next week. I was asked if I wanted to give a survey of my experience, said yes, and was not given opportunity.

I have always avoided the real need to leverage the coverage I have in place, but there have been minor occurrences where I needed to contact USAA. Luckily, every person I have dealt with has been extremely helpful, knowledgeable, and understanding of what my exact needs and course of action is. Because of this, I have always had claims for me handled extremely quickly, no adjustments to my premium for an accident that is not my fault, and been able to move forward in a timely fashion.

USAA has been the best insurance company by far. I was previously with another popular company and they were a nightmare to deal with. USAA has much lower prices and stellar customer service. You couldn't pay me enough to switch companies. They have me as a customer for life.

I was involved in a car accident with a USAA client and it has been a nightmare. This entire process has taken months since the initial accident which has already been declared to not be my fault. All these people have to do is make a few phone calls to get information from other people involved in the accident, but that apparently takes over five months to do. The amount of time, phone calls, and mental stress this has caused me is insurmountable. It is ridiculous that an adjuster cannot adjust. They simply cannot do their job.

I really want to let everyone know, in the event of a big accident which my wife recently experienced, I am so glad that I have my insurance with USAA. Ms. Calley **, USAA claims department made it so easy for us to deal with all the steps. Our car was a total loss, my wife was seriously injured. We were on the phone about an hour. She managed to get everything done in that hour. I didn’t even have to do anything else. Our car paid off, plates had been sent to me, Power of attorney letters and many more. I just want to thank Ms. Calley about the great help and attitude. I still believe USAA is the best insurance among others. I highly recommend them. And I would like to thank them.

USAA provides consistently excellent service and value with for my auto insurance policy needs. They are quick to respond to claims. They are thorough with initial response, as well as with follow-up. They are also courteous and fair. In short, I am very pleased with them.

USAA always provides quick and courteous customer service when I deal with them. They are friendly and affordable. They help me get the coverage that I need. They are quick to respond to claims and it's easy to get a hold of someone.

I was recently involved in a accident where a USAA client backed into my vehicle with both my two year old child and I were completely caught off guard. This happened 10/16/18, I’ve never been involved in a accident before so today 10/18/18 I call to get an update. I asked the agent in claims pretty much what is the process and what exactly is happening from here. I’ve already spoken with my insurance company where I was informed we are waiting for USAA at this point.

Every time I have had to call USAA for anything, they have been actively helpful and sympathetic to my problems. I have never had to argue with them to get them to cover anything they claimed to, and the price I pay for insurance is better than any of the rest of my friends pay.

USAA is a good automobile insurance policy. They have excellent customer service and policy options. They cover accidents quickly and efficiently. I have used USAA for several years I am quite pleased with them. Usaa is very awesome. I'm glad.

USAA was once an excellent company held to high standards but lately it has gone downhill. The Reps seem to be all robots reading off the same help menu to the point you know what they're going to say next. I had an issue where I did a balance transfer under a promotion and it defaulted to the wrong card. After numerous calls an agent was able to see this as I saw it while trying to recreate the issue and relayed that to webservices who was also on the call. It's hard trying to explain this to an agent or banker as they all believe if the system says it's right then it's right. In this case the system was flawed as it clearly showed it was defaulting to the wrong card while still showing the last four of the correct card number during the transaction (I have 2 USAA cards).

As many have written, I too have encountered a terrible experience with USAA. I was rear-ended by a USAA Client. I took my car to a "certified" USAA Body Shop. I was informed by the body shop that the car was a total loss and to call USAA. First off their phone gantlet is horrific. I was never contacted by USAA! A week later I get a call from Enterprise Rental Car saying we need to turn the car back in or pay for it ourselves. I went through the phones BS again and finally spoke to person. They said, "Oh yes your car is totaled and here is our settlement and turn your rental car in today." NON – NEGOTIABLE.

Due to a company charging my account a month after they were given authorization to do so, USAA has been placing large portions of my paycheck on hold for a week every single week. I have been with USAA for 16 years and lately they have treated me like I am a common criminal that does not contribute to society. When called, they say there is nothing they can do and they cannot tell you when these holds will stop. Since my employer does not offer direct deposit I am out of luck they say. They say they have no way to release the funds which is a lie because they have done it before in the past. Their customer service is usually great but it has gone downhill recently and I am so disappointed.

If this was a year ago I would rate them a 5 on everything. Lately they seem to really try to push products on you when you call up about anything. That's a bit annoying but it doesn't take away too much from the value you get or the convenience.

USAA has always been really good to me. They've provided the lowest rates even after an accident and a ticket. When I had to keep my car in the shop for two weeks, USAA let me pick out an attractive rental car even though someone at my age at the time typically would be extremely limited (I was 19). They've continued to lower my rates through the years (I'm 23 now) and gave me a discount when I decided to take a driving course. Every time I've had to speak with them they've always been extremely nice and accommodating.

USAA provides a decent auto insurance and when you bundle it with home insurance it helps save you some money. I always get someone on the phone quickly and don't have a hard time with customer service reps being rude. The only hard part is everything is done by phone or online. There is no physical locations or representatives locally.

Sept 8 2018 I was involved in a car accident with a USAA client. Sept 18 2018 Informed by my insurance company that USAA will pay. Oct 1 2018 Vehicle placed in shop for repair. Oct 10 2018 I am informed by collision center repair & USAA that check has been processed & mailed to me. First time I have heard this info & I have NO CHECK.

USAA obviously hires IT people who used to work in Army Intel or at NORAD in missile launch security. Their website is ridiculous with several levels of logon requirements. If you make one mistake, you're routed to change your password and PIN by choices to send a temporary passcode to: 1) Your email already registered on their site. 2) Your cell. 3) Another registered communication target. However, after choosing one of these, you don't get a password ever sent. You then have to call a rep and waste about 27 minutes doing that.

The company is slow to respond, I called in a claim at the end of August and they did not accept responsibility for 30 days. Then they refused to pay for the rental car for the whole time. They did not make me whole. The adjuster was unreasonable and combative, make it the worst and most frustrating experience ever. Please don't use this company.

I have been a loyal USAA customer for over 20 years. I use them for all my insurance and banking needs. My wife had a bad string of luck the past 2 years with 4 accidents. Even though the prior 20 years saw almost no claims, they dropped me effective this month, October 2018. I'm a disabled vet and father of 4 with a single income family. Despite all the years of my loyalty and paying all my premiums in full and on time, the company that claims to serve those who served abandoned me in my time of need because we dared to use the insurance we paid for all this time. I'm disgusted by them and the fact they made a ton of money off me but couldn't stand by me when we had a rough patch. I even convinced family and friends to join USAA. I probably got them a dozen customers at least. This is who USAA is and don't expect them to stand by you or return your loyalty with anything but betrayal if you dare to need the insurance you pay for.

I usually don't complain about a company, but I decided that is was necessary to tell others (instead of crying), so they don't get wronged as my family did. In October 2017, I was in a accident. The driver hit me so hard he shattered my driver rear window, damaged my lift, and messed up my rear bumper. USAA gave us a company to fix everything, Mullins Auto Body in Niceville FL. They fixed everything which took over 3 weeks to fix, but I was happy to have my Nissan back, I didn't inspect anything.

The worst service I have ever encountered! I got car insurance with USAA, from the start they had issues with my billing and they fixed it! Well all of sudden I had 639.87 come out of my account when normally my bill is 289.97. I called upset and had a rude customer service agent ** Andy, he said there is nothing he can do that every few years it will do this. I told him, "No. I was not expecting this and I want the difference credited." He said he can't do it. So I told him to give me a manager and he told me no, they will not be able to do anything for you.

In August of 2016 I was rear-ended at a stop light by an underinsured person. My husband and at the time 4 year old and 15 year old children were in the back. We all sustained injury. My husband needs surgery in his shoulder and neck. I need surgery on my neck and my 15 year old has had neck pain since. We filed our claim with USAA and two years later they still refuse to pay out our Uninsured Motorists coverage to pay for our medical needs.

I was in an accident, I have USAA insurance and estimated at over $7500 in damages to a 3 month old brand new car. USAA sent out a 3rd party appraiser who agreed to the claim amount and USAA still will not approve of the amount and will not allow the body shop to start repairs. They want to send out a 2nd, 3rd party appraiser to look at the car which can take another week. It's been since September 21, now it's October 3rd. My auto body shop was told a completely different story from USAA. They also want the body shop to use aftermarket parts not certified Mazda parts. USAA insurance company is a scam. They are horrible.

We told USAA we were moving to Qatar. We went through their process and increased limits and did exactly as they told us. Our cards are declined constantly, still. We have to call their 800 number to get anything fixed, which costs us about $1 per minute while we sit on hold for 20+ mins at a time. We loved USAA while stateside. They are wholly and ridiculously useless if you are living overseas. We can't wait to change to ANY other bank! Please save yourselves our struggle and change before you leave!!!

I was hit by a USAA policyholder. Spun my truck around180 degrees with my daughter in the truck. Took them 2 weeks to get my truck to the body shop I wanted. They did not like that. They done one estimate, sent the money. Almost 2 weeks later they have to do actually send three adjuster out to look at my truck 'cause they went off the pictures they told us to take. They ended up having to send more money. NOW the body shop is fighting with them 'cause USAA wants to put a used rear axle in my truck that has 150k miles on a truck that has 42k miles on it. Called them and was told that they are gonna get me truck back to the way it was before the accident. It's been over a month and my truck is still sitting outside waiting to get started all because USAA wants to put used and junk parts on my truck.

USAA is the most deceitful insurance company ever. They lie and attempt to steal every dollar from any settlement. My car was rear-ended by a USAA policyholder, the damage was not bad just the rear bumper. I took my car into where the claim adjuster was doing the estimate. They asked to keep the car for the afternoon to assess the damage, I agreed. When I came to get my car and get the estimate I was told that they had disassembled my rear-end and my car was not drivable. I was in shock. My car had no outward damage other than the brackets that hold the bumper were broke. They refused to give me my car saying that USAA decided to total my car. My car was in immaculate condition before I brought it in, it was absolutely a complete Sham between the body shop and USAA.

My car is still in the shop due to USAA sending a third party to check on a supplement that the shop ask for. Here is 1 week and half later and my car isn’t complete because the third party never showed up. Now USAA knows that oh!! They are paying for a rental that I’m in so let’s put Aftermarket parts on. So old 3 year car because that’s what they do put Aftermarket to a car that is older than 2 years from the current year. They want to save money on putting aftermarket stuff since they been paying for a rental, this is not my fault. They should of send a USAA representative on something so small, gee!! A bumper if that. It’s all!!

I was able to get in contact with this company via social media and explain my scenario to management who understood my situation and refunded money paid out of pocket.

I know most people complain about insurance as oppose to praise because they are usually going through some sort of tragedy. Every experience, every phone call and transaction with USAA has been great. From getting help on policy changes to taking care of accidents when they occur, USAA has responded quickly and efficiently. Talking on the phone with anyone there is like talking to a favorite aunt or uncle. They must train them in "caring" because that's how you feel when you get off the phone.

USAA is full of**! They canceled my insurance policy because they didn't agree with my account of what happened. I was completely honest with them to the best of my knowledge and they canceled me. Screw USAA! And they took forever to pay out on a measly 1500.00 claim!

If anyone ever gets into a car accident with a USAA member be prepared to get beat. Me, my husband and our son was in a car accident in April. The person who rear ended us which is a USAA client was at fault. We got beat all the way round. They didn't want to pay for our vehicle. They were very rude to us and had us to pay our doctor bills out of our settlement. I sent them a bill about my car repair only to be told their mechanics said my car damages was not their client fault. If you are ever involved in a car accident with a USAA client just take into consideration they are going to protect their clients by ANY MEANS NECESSARY and basically the hell with anybody else. I hope if anybody reading this be prepared to be not treated fairly ESPECIALLY IF YOU ARE NOT A MEMBER.

What to say about USAA? Well their customer service is the worst I have ever had to deal with. I am dropping them as fast as I can, just really bad company. If you are thinking about using these guys don't..

USAA is awesome. They are quick and efficient and we’ve had some unfortunate events and they always come through with everything. Customer service is always awesome and friendly and they always make you feel like they really do care. They will take time and listen and answer any questions that may come about. Thank you for everything!

We were with USAA for years until we decided to get a quote from somebody else. Everybody we got a quote from was substantially cheaper. We ended up with Progressive and saved $200 a month ($1,200 per 6 month). Yea, $200 a fricking month AND we got way more coverage. We tried to talk to USAA but they said there was nothing they could do and told us "you'll be back"...well, bye Felicia. We are going to Progressive.

After 15 years of having our auto policy with USAA I decided to get a quote from another company to see if there was any difference. The policy they quoted me, apples to apples, was half of the amount I was paying. USAA has been consistently going up each year. I called and spoke with a representative to see why there was a difference, she stated because I was living in Florida and they could not lower my policy price.

We now have a 16 year old driver in our home and when we added him to our policy it went up 3X our normal payment. After researching other insurance companies I found our payment should be no more than $430 a month yet USAA was charging my $915 a month! After speaking with customer service they told me that they do not price match other companies and that I should shop around. I am in disbelief as many others with teen drivers said their premium went up but surely not 3X. We have been a USAA customer for 17 years but they no longer have us.

We were lied to when we told the representative that we wanted the same coverage that we had with State Farm, and went over each item to which he agreed. Now approximately 5 months later with USAA we learned that they will not cover the $250 deductible for damage caused by a hit and run. Our car was parked and we weren't in the car at the time, as well as no cameras in the parking lot. Now, State Farm would have covered this, but USAA said no! This is the way it is in the State of Florida. USAA also said that if our windshield was damaged while driving by a rock that would have come from another vehicle, we would still have to pay for the deductible.

Seems like within one year my insurance rate has increased due to the amount of vehicles that are now being driven within the state of GA. An entire $30. I'm tired of my rates going up. I thought the older you get the cheaper your payments. SMH. USAA is rip to all military and retirees.

I was hit while sitting at a stop light. I wish I would have read these reviews earlier. Don’t use them and if a USAA driver hits you get an attorney immediately!!! I didn’t and am paying big time!!!

My car was in an accident on July 8, with a USAA insured driver. The driver hit me from behind on the highway when he was distracted by his child in the backseat. My car was deemed a total loss. After we come to an agreement for the settlement amount, (they low balled me on a car that I have maintained impeccably and would not have needed to replace), I send in my signed title as requested.

I was injured in training and broke my hip. My discharge is general under honorable because I was still in training, rather than a regular honorable discharge. USAA will not allow me to have their insurance even though I have a service-connected disability because of my discharge type. So, even though they claim to honor veterans they only honor veterans who were in the military long enough to have a different type of discharge, as if it was my fault I broke my hip in training! A veteran is a veteran, but not according to USAA. I have civil service preference and a disability rating. The federal government acknowledges my veteran's status but not USAA.

My elderly mother & her late husband had USAA for both their vehicles. They stacked their Uninsured Motorist coverage so the limits of both cars could be combined on one vehicle if needed, an additional premium. In 2016, her husband passed & she sold his car to pay medical bills. She had USAA remove the vehicle, but they didn't explain that she should reduce the stacked UM to unstacked UM, since there wasn't another vehicle to stack with, and she should keep her money.

My family has been USAA members for 16 years. Over the last 16 years our experience with USAA has be wonderful, until recently. On July 28th our son was involved in a wreck. USAA outsourced to another company to have the estimate done. It took until August 13th for USAA to deem the car a total loss. On August 15th the Power of Attorneys were sent to us overnight but they were sent with no information on them. We followed the directions that stated that we were to only fill out the claim number and sign our names exactly how it read on the title, we did this and sent it back to USAA the same day we received it. On August 21st I contacted USAA to see where they were in the process of issuing payment for the vehicle, but was informed that the Power of Attorneys were no good because the vehicle information was not on them so USAA sent new Power of Attorneys out for us to sign again.

I typically do not complain but I want to express my frustration in switching my auto policy to USAA and warn others of their customer service. I was given my 6 month premium and agreed to the amount. I was asked if I would like to put down a deposit of said monthly amount which I agreed to do. I was also advised to fill out a form that was needed for my policy. I called back later that evening and had a representative guide me through the website to electronically sign a form I was told was needed to assure there was not an issue. I did so while on the phone and was told nothing else was needed. 3 weeks later I checked my policy only to find that my policy had gone up. I called customer service to voice my concern and address the mistake. I was told that the wrong form was filled out and that the one needed could not be electronically signed.

I do not understand why every time you call you have to repeat your previous issue(s) for calling in. Each time, representative states notes will be added to the account. It is as if they do not scroll down to read. And/or they have to read all chain of events which at times is not necessary. I had a representative quote and debit my acct for $220 as monthly premium amount. Should have been $227 debit and it caused, late fees and cancellation of insurance process, and not able to pay via USAA. I have been dealing with this issue for 2 weeks. These representatives are like they are still in training. I’m a 20 yr Air Force Vet and the service for Vets (as well as enlisted/spouses etc.) is not very good.

This company is terrible. After 11 years they "exercised their right" to discontinue my accounts. They claim there was too much suspicious activity because a check was mailed in and it wasn't signed. They restricted my accounts and froze everything. I didn't find this out until I went to pay my son's college tuition and couldn't. Then why I called I was told it was under review and call back in an hour. I did and they told me it could take days for the review.

During several conversations spanning a few years, other members explaining how USAA isn't the same company it used to be. I didn't think much of it, but I was shopping for insurance for my new motorhome and Progressive was suggested. When the conversation was done, the lady asked "is there anything else I can help you with today?". Hmmm, it came to me and I told her yes. Price my car insurance for my family, 3 cars, one 18 year old driver. Long story short, my premiums went down $800 annually for more coverages. The lady was shocked it was so much lower. So was I. I called USAA, irate that they have been overcharging me for years! I'd been a member for 34 years. Next I checked on my homes and they did have the better rates, but you have to watch them because they will try to raise your values/premiums annually. I've instructed them NOT to automatically raise my premiums without discussing it with me before doing so.

USAA does not care about you or your military service. They just use that as a niche to get all military to go with them. Our van was stolen out of our driveway right outside of Fort Carson six months ago. The van was only four years old and we barely got anything for it. We were $3000 away from paying it off and all they gave us was $7000. That left us with $4000 after they paid off my old van. There’s no way to get a new vehicle with $4000 so we bought a used van from a private person for $2500. We ended up having to put $4000 of work into it.

I was involved in an accident on June 24, 2018. USAA’s insured was at fault per the police report and common sense. I was sitting at a stop sign and their driver turned in front of oncoming traffic, another vehicle hit me. The claims adjuster refuses to acknowledge the police report and had already made a judgement that they would not accept fault, despite the fact that their driver was ticketed with careless driving. My car was totaled, I have been paying the car rental for 53 days now. I have reported them to the NJ department of insurance, but believe a class action lawsuit for all the innocent parties that have been damaged by USAA is absolutely in order. They will do whatever they have to not to pay a claim. Disgusting.

Where do I begin? We've been with USAA for over 5 years now. At first things were fine: Great rates, great customer service. But over the last two years that has changed. To keep this short, we've had to call multiple times and have found that their customer service agents are very uninformed. On more than one occasion we were told one thing only for another to happen. Our rates have increased a lot over the last two years despite my husband and myself being accident and ticket free for 16 years. We are very dissatisfied and I would not recommend USAA to anyone.

USAA has constantly raised my homeowner's over the years and we have used it once years ago. Last year during the hurricane my neighbor who has USAA made a couple of claims. His roof had not been repaired for at least 16 years and he filed a claim saying the hurricane caused it to leak. Then he submitted a claim for an above ground pool that did not exist and USAA paid it. This past renewal year they increased our insurance to the tune of almost 45.00 per month increasing my mortgage. Something needs to be done with these insurance companies who pay for crap that did not exist and then they raise rates on those who dont use it. They also settled a claim for a guy that my husband rear ended doing 10 mph. The guy had a prior injury from falling off a ladder in his kitchen. USAA settled with him for 50,000 for an injury not caused by my husband. They are idiots.

Been with company 2 year. Automatic draft for payments 2 yrs. strong. I call them to update bank info. Next thing I know I have no insurance. Mind you I later found out that I didn't call in enough time to catch the auto draft but the representative didn't mention it so I thought I was good. I had to pay 540 dollars because of their employee mistake. Then had to wait 2 weeks before they let me know I had insurance. Then everybody kept calling me saying the same thing. Blame me for not opening mail. I never open mail. I do things online. Never in 2 yrs have I opened mail.