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Review: United Services Automobile Association |
Company Information
Company History: Founded 1922, USAA only insures members of the U.S. Military and their descendents. 2006 Fortune 500: 189th in Revenue; 87th in Net Worth; 76th in Assets.
USAA serves about 6 million member customers, primarily military personnel, military retirees and their families. Its products and services include property/casualty insurance, life insurance, banking, credit cards, discount brokerage, financial planning, and investment management. Insurance and financial products are sold mainly by mail, ... |
Survey Results
Overall, how satisfied are you, with United Services Automobile Association?
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Contact Information
Company Contact Info:
Chairman Robert G. Davis
9800 Fredericksburg Rd.
San Antonio, TX 78288
800-531-8646 |
Comments
"honest straight forward and there for the customer"
2008-10-08 17:52:37 EST
"I have had insurance with USAA for 44 years. Nine years ago I added homeowners insurance when I purchased my current residence. In all that time, I have a perfect record of paying premiums. For auto claims and homer claims, I was always impressed with their service.I remained loyal to this company even though their rates were not always that competitive. This summer, however, a situation arose that has caused me great consternation. In June, our dog inflicted a wound on a neighbor who was walking in front of our property. We immediately notified USAA of the situation b ecause we wanted the person to receive medical treatment at our local hospital. USAA said not to worry and that they would take care of everything. To my knowledge, the did this. The dog had no prior record of such activity, and the local animal control officer who investigated the situation (required by law) determined that she was not a "dangerous animal." Her quarantine was removed--however, we no longer allow her outside access unless she is on a lead. My insurance was renewed on August 28th. On September 25, 2008, I received a telephone call from a USAA underwriter informing me that I would receive a letter indicating that because of "the substantial change in the risk assumed. Specifically, your dog has shown a tendency for aggressive behavior as demonstrated by your June 17, 2008, animal liability claim," they were canceling my homeowners policy. This was very different from the assurances given me when the claim was filed. I tried to suggest that the dog was determined to not be a danger and that my 40 plus years with the company warranted at least one reprieve--or as an alternative, to amend the policy to exclude the animal. Thus far, they have refused to consider this--all I can obtain is a "bean counter" answer, specifically, we've done all that we can." Obviously, this is not true. I was told that if we "get rid of the dog" before October 29, 2008, the insurance will remain intact. This issue goes far beyond this incident, however, and others need to be forewarned. Because a claim was made, no other reputable insurance company will consider me for a policy until June 2010 (apparently even if the dog is excluded). As a consequence, I void the insurance condition for my mortgage. I am being forced to euthanize my pet of 9 years or lose my home! As a by-product of my search into my USAA homeowners policy, I discovered that they had increased my premium approximately 30% for a $2800 dollar claim in 2005! They never informed me of this intended action when my renewal came up. The irony, is that after the dog claim, my premium was lowered from the previous year. I think USAA has relied on its past reputation for some time. I will no longer accord it with the kind of loyalty I had given it in the past. They don't deserve it. They are no better or worse than any other homeowner policy (I am not addressing the auto policies here). In regard to homeowners insurance, the coverage is fine so long as you don't use it!"
2008-09-29 01:49:02 EST
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