Usaa
 

What is wrong with this company? I started with them around 1990 and the customer service was incredible. Then about the time they opened it up to enlisted service members and anyone that had seen a USMC or Army sticker on the back of a pick-up truck for eligibility everything went to crap.

Now they advertise everywhere and even have paid spokes persons, Gronk and others. NO telling how much that has increased my premiums.

I needed to get a change to my auto policy yesterday (traded vehicles). Tried to do it online. Totally impossible w/o adding a new car and deleting the old one. Couldn't just replace w same coverage.

Next, I called and waded thru their automated answering which is horrible. Its sort of like DoD requirements for passwords on computers. Way too much stuff to answer and remember.

First person it placed me with was in billing and she had to transfer me. Next guy took the cake though. Ahmed was his name and he literally couldn't speak English. First question he asked me, I had no idea what he said. I asked him to transfer me to another agent and he refused. I asked him again and said please can you transfer me to a person that speaks English, still refused. I then asked for a supervisor, total refusal.

I've left them before but for only about a year and begrudgingly returned when Liberty Mutual doubled my premiums w/o notice.

Is there anywhere else to go??? Sorry if I posted this before, I checked but didn't find any threads. I'm just at a point where I give them money and try to ignore their suck.

I'll add: a few years ago, my daughter was in a pretty bad car wreck. USAA settled quickly with other driver. Then 2 effen years later he sued saying his hearing was somehow damaged when his gigantic truck hit my daughter's Mazda 3, t-bone. I learned that his coverage was with one of their umbrella divisions. They just settled the suit that was filed on the eve of the statute of limitations. Didn't even make him prove his BS claim.

I’m one of the unwashed E5 short timers(drafted) you speak of and now have USAA. I agree their system on line is extremely difficult to navigate. I had looked at them several years ago but more recently (about 2 years ago) was trying again. They said I already had a “profile” (I guess from the previous attempt) and I could not get onto the site without calling them (another story). Now I currently have auto, homeowners, gap policy, wind and hail and flood with them. Emails about what is due are difficult to figure out once on line. That being said, the Porsche body shop that our dealership used told me, if they had their druthers, they’d druther deal with USAA than any other insurance companies. Never any questions when further work needed they’d say do it.

I had to deal with them on behalf of Mom when it became apparent she needed help with her financial affairs.

Agree - very clunky to deal with.

Even after Mom's passing things were harder to get done than was necessary, IMHO.

I have Progressive and Hagerty for my vehicles.

Sorry about that inference. Not directed at you. The thing that gets me is the commercials that go on with some grandmother telling her grand kid, "grandpa had USAA, you are entitled too". Its crazy, may as well open it up to everyone.

I had a E2 working for me around the same time they changed membership policy. She told me how much she was paying for 1 vehicle, it was astronomical. At the time, I had an M5, an M3, and some SUV and was paying less for all that than she was paying.

They changed the pool of the people they insure and it seems to have caused the spike in premiums. Back before, it was so much cheaper that when people asked what I paid their jaw would hit the floor.

There is also a direct link to when the USAA Bank started allowing their employees to wear polo shirts vice proper business attire. It went from being a customer oriented place to more like a place you didn't want to go.

They've had some real personnel issues recently with layoffs, cuts, and CEO problems. The bank has had a few multi million dollar judgements against it from the Feds and other law suits.

https://www.insurancebusinessmag.com/us/news/legal-insights/usaa-hit-with-114-million-decision-over-bad-faith-527965.aspx

https://www.legaldive.com/news/usaa-scra-mla-tila-64-million-settlement-occ-remediation-junk-mail/723511/#:~:text=USAA%20has%20agreed%20to%20pay%20roughly% 20$64.2,and%20veterans%20on%20interest%20rates%20a nd%20fees

https://www.bankingdive.com/news/usaa-to-pay-140m-in-penalties-over-aml-shortcomings/620615/#:~:text=USAA%20Federal%20Savings%20Bank%20will%20 pay%20$140,Financial%20Crimes%20Enforcement%20Netw ork%20(FinCEN)%20said%20Thursday

We have USAA for auto (and home) insurance coverage. Our recent auto claim with them was underwhelming. In the past, we had used AAA. Now I get why AAA is more expensive. The service was much better.

I knew we didn't have collision coverage on my car and wouldn't be covered for our loss by USAA, but I didn't figure USAA would do absolutely nothing to try to track down the other insurance company(s) involved. There was effectively no point in my reporting the accident to USAA. I've done all the legwork myself.

When we move later this month to another state, even if USAA is an option, we won't select it. (And definitely not renting a car from Hertz for the rest of my life, either.)

The thing is with USAA when only commissioned officers were eligible their direct families were tagged as eligible. My first wife was the daughter of a Marine Col. and when we divorced I got my own USAA account which I have maintained for better or worse for 45 years. Enlisted were not eligible at the time and yet I had a policy. I was never even in the military.

I think things have changed but I personally have no beef and until I do I doubt I will jump ship. Things are sketchy enough in CA.

On the comment about USAA not challenging a post accident claim they did a similar thing to me. My work truck was totalled while parked unattended. They settled with me for the loss and AFIK never recovered the loss from the guilty party. They wouldn't even discuss it. I turned to my ins co because it turned out the daughter of a high ranking policeman in our city was the at fault driver. As soon as the police arrived on the scene I was not allowed to speak with the other driver nor ask for insurance and DL info. They told me that I could wait for a police report or pound sand.

I let USAA take over. The police stonewalled USAA by delaying the report for weeks. USAA called me a few times about the report and I told them I could not get it yet according to the local PD accident investigation. Meanwhile I needed some money so that's how it went down. Don't get in an accident with a police family.

Years ago my brothers, who served in the USAF, encouraged me to get a policy with USAA, raving about their rates.

USAA quoted me the most freaking expensive insurance known to mankind, no thank you.

My dad was an officer in the Air Force in the early 50s. I don’t know if he had USAA or not later in life. I was just sent a spam letter saying I was eligible for insurance.

My father in law was an Air Force pilot back in the 50's. He had USAA and his family on policy. Back in 1980s and 90s, family members were insured under a different policy umbrella than the Officer/member. That would have been how you got it.

I was enlisted when we got married. My wife already had USAA under the family umbrella and I had it as well due to her. Premiums were higher than for officers.

When I was commissioned, our membership shifted to me being the officer member. Premiums went down from what we paid under wife's family membership.

[QUOTE=matthewb0051;12496284]Sorry about that inference. Not directed at you. [QUOTE]

No offense taken, I was trying to be a wise ass. I had GEICO since I was 17. Couple of years ago I got their bill and was floored. That’s when I re-looked at USAA. WAY cheaper for a little bit more coverage.

Daughters now have USAA. One had a claim for her 16 year old daughter’s Lexus totaled when another student ran into it in the school parking lot. They wanted to give her less than the blue book value. She had to go round and round with them as I recall. Other daughter has it for homeowners on a condo she and her husband rent out and someone’s leak upstairs did a number on their place and condo wouldn’t cover it. She said USAA went above and beyond expected. She texted me to thank me for my service! 😍

What's wrong with adding the new car and deleting the old one?

Unfortunately, blue book doesn't represent true market value- it's not even close a lot of the time. They're supposed to pay you market value- not what is being asked for cars, but what they're selling for. I don't think they work too hard at determining that, but they do to some extent. They're also supposed to make you whole by giving you sales tax and pro-rated registration, minus your deductible (which you can later recover if the other party was at fault). If they don't give you this, you can discuss with them and often get a bump. If they're still off, you can request arbitration. That usually gets their attention and the settlement goes up. This is true for CA, and should be nationwide, but I don't know that for sure.

I think they made it good for her just took a little more effort.

"You get what you paid for"
I have one of the big 3 insurance companies and have a local agent who has become a personal friend of mine. I can walk into the office or call the office and get instant answers. One time I called my friend and left a message when he was on vacation. He called me back from out of town! I gave him heck and said if it was urgent I would have said so.

I believe AAA and State Farm have excellent customer service and are available in Texas. I switched to Tesla because the premiums were a lot lower, but the customer service supposedly sucks. I'm saving $1,800/year for two EVs, so I'll put up with crummy service if necessary. I know Tesla is good with EV insurance, not sure about ICE vehicles. Also, it's only sold in Arizona, California, Colorado, Illinois, Maryland, Minnesota, Nevada, Ohio, Oregon, Texas, Utah, and Virginia so far. You have to download their app and submit a picture of the odometer to get a quote.

I have been a USAA member since 1976. My dad was an Air Force pilot, so I was eligible. They insured my house and car. Then they started jacking up the home insurance like mad. I changed to another company and they wanted to bundle my cars together. It was a LOT cheaper, with higher coverages.

Now my only USAA account is the credit cards. I never pay interest, and they pay a percentage back in cash back so it is a good deal.

It wouldn't migrate the coverage limits over without manual input. The USAA guy that helped me agreed that thw website blows. He was able to see old car stuff and just mirrored it to new vehicle.

Another issue: my wife tried a couple of months ago to remove 2 vehicles from coverage as they are both out of service. Yesterday when talking w agent, he told me they were still on policy. She had done it on their website.

BTW the new car is a Panamera GTS !!!

They Suck. That is all

Is there an insurance company that doesn’t?
I mean they are incentivized to not pay out. I don’t have a solution but it’s a pretty glaring flaw in the model from the consumers perspective