I have had nothing but good experiances working with USAA throught the years. But I will be moving my auto insurance to another carrier. With being on auto pilot for years and not shopping around I have found that their rates are really high. I mean really high compared to other carriers.. I got better coverage and saved almost 40% over current premiums.. So my 2 cents is to make sure you shop around and dont just trust your getting the best deal like I did....
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I am not in the habit of holding pity parties for myself or blaming anyone else for what happens in my life. But, when I had this accident, I was told by everyone that USAA was a great insurance company. That is simply not true. I am in debt today, struggling to rebuild my life because rather than settling my claim, USAA played games for almost a year before paying out my claim. Here is my USAA story…
I am a disabled veteran and my husband is a retired disabled veteran. We have four daughters and have been very blessed.
I’ve been a USAA customer for over 15 years. I bank with them, insure my home and vehicles with them and had a credit card and personal loan with them. After driving for almost 20 years with no accident, in 2014, I was rear-ended at a stop light. My car was totaled and I sustained injuries that left me with severe nerve damage, I had no feeling in my left arm and I was unable to turn my head in any direction without severe pain. The injuries to my neck and spine required almost one year of therapy until I was finally told I would have to have surgery. The surgery left me with 2 screws in my neck, nerve damage and subsequent lack of feeling and mobility in my left arm.
I am going to back up a little so you can get a full picture why I am writing this complaint. I am a federal employee (GS-13). My credit score at the time of the accident was over 720, as was my husbands. I have enough savings to pay all of my bills for about 8 months to a year. In addition to my federal job, I founded and run a nonprofit where as a personal trainer and fitness and nutrition specialist, I train and counsel young school-aged athletes and help young girls improve their self-esteem through fitness and other activities. My husband and I worked very hard to achieve our goals.
Back to the accident. Needless to say, I was out of work from both jobs for a total of almost 14 months (on and off), including surgery and recovery time. My total medical expenses exceeded $85,000. My claim with the insurance company of the guy who hit me had been settled for $25,000. He was very underinsured. However, I have underinsured motorist coverage through USAA in the amount of $100,000. USAA would not settle my claim until after all of the medical procedures and physical therapy was completed. That was fine. I had gone through my savings, but I was still maintaining. However, when it was time to settle my claim, USAA offered only $19,000. That would be a total of $44,000.
When my attorney sent me their offer, I wanted to throw up. I obviously did not accept the offer. USAA and my attorney went back and forth for about another month before my attorney began the process of filing a lawsuit. To sum it all up, after threatening the law suit and waiting for USAA to respond (and they took every day allowed by law), they finally paid out the $100,000 – it was over two years after my accident!
By the time they finally paid out, I had exhausted my savings, I was behind on several bills and trying to avoid falling into a hole of debt. Unfortunately, I could not avoid the inevitable. To date, I am drowning in debt. My credit score is in the low 500s and I almost lost my home. I am no longer able to train because of my injuries, I am about to lose my training facility, and when I finally returned to work, I was really working to play catch up from. My USAA credit card and loan are now overdue and they have no quams with calling me 15-20 times a day asking for payment and they’ve closed my accounts.
It is 3 years later and I am still trying to rebuild. I know now that I need to keep at least two years worth of savings available :)