[Rick Lee]

Where shall I start? I was with USAA for 30 years and lived in VA for 12 of them. Never had a glass claim in VA and I doubt it's a no-fault incident there. However, it is in AZ and windshield replacement is a near annual thing here. You just get pelted with rocks and debris on the roads. Never had a problem with a claim until Mrs. Lee's BMW X1 had a rock come down on her sunroof on the hwy. Even had a dashcam catch the audio, but couldn't see it.

That claim took over six weeks to settle, they kicked it up to comprehensive, requiring a deductible, never once returned a phone call to me to discuss that and required it all be done at the dealer, making the total $6k. Who's not gonna raise your rates for a $6k claim? I left them over that, got a better deal from Farmer's and the agent is a close friend and former co-worker, so my calls (and texts) get returned.

When I called USAA to cancel, they seemed pretty surprised. I told them to go back and review the emails I had sent in the "secure message center," asking many times for a call back to discuss (my vms to the adjuster went ignore too), then warnings that I was about to leave them. She apologized profusely. Can't say I didn't warn them.