|
Review: United Services Automobile Association |
Comments
These are comments left by site visitors who have completed a survey for this company. The comments are unedited and shown in the order the surveys were received. If you would like to participate, just click the "Take a Survey" button at the end of these comments. |
"exceptional customer service"
2007-01-23 18:41:30 EST
"very rude customer service very unsatifactory , have to get law advice to pay for claims."
2007-03-20 15:08:05 EST
"They are excellent. Whenever I have filed a claim, they respond almost immediately. This applies to auto and home owner's insurance. Their payments have always been fair. My husband switched to a different company about 15 years ago. We were back with USAA within less than a year. There was a horrible hailstorm that dented both of our cars. The other insurance company battled with us every step of the way. "
2007-04-25 20:33:18 EST
"Love USAA, but...they made record profits last year, but are jacking up my Florida homeowners insurance this year, and I do not live anywhere near the coast. I understand their position, but they are getting greedy, just like every other company they claim to be different from."
2007-05-03 17:47:48 EST
"1st a comment to the FL HO. I am as well. They had to increase prices as all other insurance companies to stay in business. Do forget USAA is member owned. Allot of these insured are getting dividends and year end.
Any way. USAA is great. I've had one auto claim with no complaints. I think USAA does so much hand holding that members forget what thier responsabilites are, then when the member drops thier ball they cry and blame it on USAA. I've only heard true complaints when a USAA insured never made any calls or expected USAA to pay for something no insurance company would pay for. I still save money with USAA because I use thier banking (when I say completely free, it's free) they even pay me for atm charges.
Thier will always be a few bad apples. Sorry if you spoke to one at USAA."
2007-05-07 20:17:08 EST
"I have been with USAA for over 35 years now. In Feb 2005, my wife was rear-ended at a traffic light by a driver who was on a cell phone and claimed not to have seen her stopped at the light. The car that hit her did so at nearly 50 mph. My wife was severely injured, and today, is confined to a wheel chair and in much pain. We had full coverage insurance, including Underinsured and Uninsured. USAA thus far has refused to pay any claims and for some unknown reason, has terminated our PIP coverages. USAA further claims that while their adjuster delcared our auto a total loss, that the car was only "lightly damaged", and that my wifes condition is now a matter of "pre-existing" medical conditions. This is odd, since she had no pre-existing medical conditions at all prior to the accident. We are having to sue USAA in order to get this resolved. I have never had to file a claim with USAA before, in over 35 years as an on-time, paid up customer. USAA doesn't appear to be such a hot deal and appears to practice insurance an bad faith (Deny, Delay and Defend their actions, in this case)."
2007-05-20 23:18:51 EST
"Outstanding customer service!"
2007-06-11 07:41:55 EST
"USAA is a great company full of great employees. I have never had anything but great service from them!"
2007-07-03 18:20:35 EST
"Usaa is a great company who will go out of thier way to satisfay you. I had quite a few claims in a short period of time. Usaa never squawked at me nor threaten to drop/raise rates. In fact I had the body shop owner tell me NEVER let Usaa's insurance coverage lapse because they will not fail you. I have only had two hicupos with 6 claims"
2007-07-13 09:04:27 EST
"Failed to honor 3 quotes, one written, in their auto line. Blatant fraud by some of their management regarding a policy for my son."
2007-07-28 20:58:15 EST
"I've been with USAA since 1969 when I returned from Vietnam. Their premiums have always been fair and I've only had two claims (1 auto and 1 homeowners)during those 38 years which were equitably settled. Their customer service has always been prompt, courtous and very helpfull. All three of our children have selected USAA for their families insurance needs. "
2007-07-31 15:30:00 EST
"Very POOR service. After I called in my claim for interior water damage, I was told a claims adjuster would contact me right away. I called back three times in two days and was told to wait. The claims adjuster called me four days later. Mold and mildew doesnt wait four days for an adjuster to call back."
2007-08-13 23:51:33 EST
"rates are not competitive - rates go up based not on your performance but your neighborhoods - houses are over priced to raise premiums"
2007-08-14 19:43:12 EST
"These guys (USAA) are wonderful. However be warned! I
just got hit by a person with AAA. I took the
car to my shop, and AAA decided the bill was too much and refused to pay it. They left me
holding $330 out of $1500. So if someone with
AAA hits you, go to YOUR insurance first!
"
2007-08-21 19:48:23 EST
"THings have been great for 25 years but now they renewed my home owners insurance in Northern NJ and decided my home is twice as expensive to replace (this is since 2002) which was nuts. Renew quoate was 2x higher than other companies I waqs forced to shop around to. Customer Service could not explain why it went up so much and then said they would check with the underwriters and get back to me. Well - I've been calling them for days to try and find out what happened on this renewal and how come they are 2x higher than everyone else. No luck and will have to switch carriers."
2007-09-07 15:59:08 EST
"USAA is probably the best company I have ever done business with. I have been a member for nearly 50 years, and during that time have had occasion to file several claims and have been treated fairly and courteously every time. They have gone "above and beyond" in their treatment of me over the years, and I can very highly reccommend them to any one."
2007-09-26 16:11:13 EST
"USAA always takes care of you and anyone you may cause an accident with. I love USAA."
2007-09-26 20:29:26 EST
"I've been with USAA since being a cadet at USMA (West Point) in 1987. They have always treated me well, and have taken care of several claims (auto and home) promptly and fairly. No complaints, and would highly recommend them to anyone who's eligible."
2007-09-27 18:00:48 EST
"Their services are great, but the customer support is better. The only complaint I can kind of make is that when I "drove our car (by accident) into a puddle the size of a lake" they mandated the repair shop use the cheapest engine to replace the one I damaged. We were not notified that we were getting substandard parts. After the install we continued to have issues and had to drive and hour each way from the repair shop to have it fixed. We were also, told (after the fact) that our engine guarantee was only usable in Northern MI where we were stationed at the time. They covered all cost for the repair including the multiple returns to the garage and will cover future issues (if any others arise) as a result of the repair. Other than that we have had exemplary service."
2007-10-05 16:54:20 EST
"USAA is the best company I've ever dealt with. I'm a 2nd generation member and my daughter will be a 3rd. Prompt, couteous, empathetic company."
2007-10-12 11:30:52 EST
"Great company!!! They provide GREAT customer service and claims service."
2007-10-15 17:10:35 EST
"prompt, efficient, thorough, follow up calls to ensure satisfaction"
2007-10-18 08:46:08 EST
"USAA is known for serving the military but it's great for anyone at all. A really friendly, wonderful company."
2007-10-29 11:23:52 EST
"Best in the business - I keep getting refunds on auto insurance, Rates are good"
2007-10-30 23:26:24 EST
"helpful prompt and fair"
2007-11-02 17:52:21 EST
"After 27+ years with USAA, they refused to insure my home that is for sale, forcing me to look for another carrier even though I've been a loyal customer for almost 3-decades."
2007-11-05 12:29:32 EST
"USAA is on your side. They look after their members. Simple as that."
2007-11-06 23:40:36 EST
"I have 6 vehicles insured for my wife and I and 2 children. I dropped my oldest son and his vehicle from my policy, and my rates went up! It seems that the CSR changed the existing annual mileage and coverages on all of my other vehicles. She even put full coverage on my ATV, whereas previously, I only had COMP. My pickup rates went from 313.25 to 546.35-and this truck is seldom driven, as I drive a company car."
2007-11-09 05:25:55 EST
"The auto insurance rates have beat everyone I have compared them with. The home owners insurance comes in high. I have not placed a claim on the home owners but if their service is as good as what I have received when using the auto coverage, the extra cost ($350.00 per year) may be worth while."
2007-11-09 09:55:38 EST
"USAA went downhill, unfortunately, when they got too big and changed the demographics of the customer base, by opening it up to a broader category of policyholders. It hasn't been the same since."
2007-11-10 23:25:17 EST
"USAA IS BY FAR THE BEST CUSTOMER SERVICE ORIENTED COMPANY THAT I HAVE EVER DONE BUSINESS WITH; I HAVE BEEN A MEMBER SINCE 1972 AND HAVE NEVER HAD A PROBLEM WITH ANY CLAIMS THAT HAVE BEEN FILED "
2007-11-28 20:37:09 EST
"USAA is hands down the BEST insurance company on the market. They offer the best rates and the best customer service. Its hard to go wrong with that combination."
2007-12-13 20:00:07 EST
"I have been with USAA since 1984. Rates are excellent, customer service is good, claim handling is very good. I check other rates (it makes sense) and each time, if I want to at least double my premium I can go with the other company, whether it's 'on my side', has 'good hands', or 'saves money'. I'm not likely to switch."
2007-12-10 07:30:02 EST
"I have had USAA for over 30 years. Have always been happy with them UNTIL my husband had an accident several months ago. He was not at fault. The driver at fault was also USAA insured. Our treatment has been, at best, incompetent. Example: They were not even going to handle getting a rental vehicle for us until we insisted. I had an accident a few years ago. Another driver hit my car. Their insurance company, State Farm, was so good in the way they treated us. I am disappointed in USAA. By comparison, they have been awful. "
2007-12-12 14:14:41 EST
"Company does not return your calls. Almost three weeks since claim filed and no idea of when a settlement will be made."
2007-12-24 16:19:59 EST
"Could not get any replies and my concerns and USAA used the cheapest used parts they could find. I called over six times and never got a return call. My car was in body shop for 10 weeks on a 2300 dollar repair. Unexuseable."
2007-12-31 04:50:57 EST
"Auto rates just increased 13% with absolutely no explanation or change to my profile. THey said that "USAA is adjusting their risk profile". 13% is egregious. "
2008-01-03 19:03:53 EST
"Used them for auto for over 20 years. Have seen the company decline over the years from what it was at the beginning. Had an issue with my child's car insurance rates being raised an absurd amount. USAA had no interest in listening to their customer and the facts, preferred to trust Choice Point data, which is well known to be inaccurate, preferred to stick rigidly to policy, bald faced lied to me. Absolute worst customer service I have ever experienced."
2008-01-04 20:08:28 EST
"Applied for life insurance and given best rate. Medical exam confirmed best rate. Two (redundant) phone questionnaires later, neither of which produced anything negative, I was told they had forgotten to tell me previously --- but they needed a personal financial statement. I provided one. It apparently produced nothing negative. I was then told that they had also forgotten to tell me that they needed my tax returns for the last two years. I provided them. They apparently produced nothing negative. They then discovered that they had forgotten to ask for my medical records. I had them forwarded and of course my records confirmed that there was nothing negative. However, I was then told that they had overlooked the need for a treadmill exam !! Their little game is obviously intended to find something that disqualifies me from the offered rates. They clearly have no intention of letting me have the coverage at their advertised rate - despite my obviously excellent health. I'm currently in process of filing formal complaints and considering legal action."
2008-01-12 13:03:03 EST
"Great prices on everything, very willing to help you purchase or upgrade policies, but god forbid you need them to help you, they are nowhere to be found. Recommendation on dealing with them for any sort of claim-get a lawyer."
2008-01-13 13:57:26 EST
"They rock."
2008-02-02 13:14:34 EST
"Excellent help and service and saves money"
2008-02-03 16:00:08 EST
"Homeowners insurance rates increased by 25% from 2007 to 2008 never filed a claim"
2008-02-23 04:50:09 EST
"I have used USAA insurance for over 15 years. They were always a great company to be associated with but appear to be declining. Recently returned from Iraq, where I'd had an expensive watch stolen that was a going away present. USAA actually encouraged me to file a claim, which after the deductible, only netted me $233. This was my first claim in over a decade, and for a paltry sum. Three months later, I get my next year's rate quote, it was double the previous year. After much discussions back and forth with their customer service, I am forced to leave USAA. (I shopped for new quotes at multiple other companies and they ALL comparable to my original rate.)
USAA,... great to work with until you need them."
2008-03-11 11:27:25 EST
"I've been a USAA member for over 18 years. Even though USAA's rates hae appeared to be higher I stayed with the company based on service and reputation. In the last year two key issues have occured 1) they've gone to an automated phone system which has completely changed my interaction with USAA i.e. significantly more difficult to navigate (was a complete fan of the old method), and 2) they more than doubled my home owners insurance based a new appraisal which is completely out of line with my neighborhood. I've challenged USAA and they're response is that they'd rather lose my $8K of annual payments and 18 years of loyalty (without any claims) rather than have a second apprasial as i have requested. My guess here is that USAA lost money over new systems investments and Katrina payouts and is trying to recoup via existing members such as myself. Obviously my complaint isn't unique as there are several other commentors who have raised the same issues."
2008-03-14 14:08:55 EST
"Simply the BEST!!!!!"
2008-04-03 13:22:56 EST
"I have been a member for 19 years and canceled my policy today and am pulling my other USAA accounts. I had a home equity line of credit with USAA that they have decided to close. I have always made payments on time and have no credit problems. Several years ago they threatened to cancel my auto insurance because of 2 window chip repairs and 2 towing claims. As a result of these instances I don't feel that I can count on USAA being there when I need them.
"
2008-04-08 10:40:04 EST
"Was hit from behind by another auto - they were very responsive to my concerns and had the car repaired and then recouped the money from the other insurance company (Allstate) and refunded my deductable."
2008-04-14 11:10:44 EST
"I've used USAA exclusively for over 15 years (auto, renters, then homeowners). They have always handled my claims promptly and I never had any disputes. But my rates just keep going up without explanation so I am switching this year."
2008-04-23 15:55:52 EST
"I have been a USAA customer for over 16 years. Today, I cancelled all policies I have with them; 2 houses and 3 autos. They continually raise rates with no warning. I understand these insurance companies want to recoup their losses from Katrina and Ivan, however, to do it in this manner is just unsat! USAA is not competitive in their quotes, and threatens to drop you at the slightest thought of making a claim. We just recently purchased another house, and the insurance quote from USAA was $2500 more than Nationwide, AllState and Statefarm. No reasons were given, just threats that if we left USAA, we could never come back. The coverage offered from the other companies is the same if not more than USAA offered. This company has apparently become a bit too comfortable with their solid military base, and feels they now can "stick it" to those who selflessly serve their country. I have no tolerance for an unpatriotic, bully of a company like this. Yes, I have enjoyed the small rebate checks in the mail in the past, but an overall savings of $3400 dollars per year is not enough to keep me hanging on for a $150 check. Good riddance, I say. "
2008-04-22 17:52:12 EST
"all i can say to the "happy people" is WAIT till you have to report a claim. your smile will become a frown"
2008-04-25 08:07:07 EST
"Have had USAA for over 27 yrs, they used to be very competitive in the auto ins. However; in the past 18 mos. my auto ins has increased $180.00 and that is with no claims in the past 10 yrs. Calling them and questioning their increases is a waste of time, you get a "canned" response that it is because of the state you live in or the # of policy holders that are in that state. I live in VA which probably has one of the highest # of USAA members, so convenience me that the increases are justified. I just voted with my feet and changed companies for auto and saved over $430.00 a year. When USAA gets back to being the company they were 20yrs ago, I will consider going back to them, but like another person wrote, to stay for the annual rebate check of $150.00 is having a negative effect on my pocketbook."
2008-04-25 16:38:17 EST
"USAA homeowners rates in coastal NC are extremely high. It appears that they are attempting to exit coastal NC"
2008-04-29 13:42:25 EST
"I got in to an accident with my brand new car 2 months after buying it. I was hit by a not so sober driver from another insurance company. When the other guy’s insurance company tired to blame me for the accident USAA adjuster treated me with kindness and respect. I was able to pay them my deductible when they went after the other insurance company. My car got fixed in a timely manor, and a few months later after they augured with the other insurance I got a check for my deductible plus a bit extra for the stress of the accident. "
2008-05-09 11:31:05 EST
"The best insurance company I have ever used"
2008-05-19 18:40:25 EST
"My first claim, its been 3 weeks and all im getting is..Im working on it. Been really good at taking my payments, just not at making them to me."
2008-06-13 10:16:30 EST
"High level of integrity. Responsive. Quality controls in place. Friendly. Competent. Communicative. AMAZING!"
2008-06-12 14:10:32 EST
"No matter what I have always been able to count on USAA for service and value."
2008-06-18 17:14:05 EST
"I've been with USAA for 17 years. They have always had A+ customer service and quick resolution of claims. Eleven years ago, we were at fault for a very serious accident resulting in damages that far exceeded our coverage limits. We were facing a very large lawsuit, but USAA offered the plaintiffs double the amount of coverage to settle. I have never come across another company that does so much for its clients. I won't go anywhere else!"
2008-06-24 11:15:26 EST
"Competitive rates, outstanding customer service, claim service representatives who genuinely care about their members. USAA is the whole package!"
2008-06-30 02:02:37 EST
"USAA does not insure against theft if you rent your condo out furnished. Otherwise, an awesome company!"
2008-07-16 18:45:36 EST
"Up until now we've been VERY VERY happy with USAA. But...they just dropped our homeowners insurance due to our home location and a fire risk (california). They are giving us one month to find another carrier. We border openspace - which is maintained VERY well by the city and right off of a main road and one mile from a fire station. But, it was a risk they weren't willing to take. USAA is a military service and after all the years my husband put into the military, now they are DROPPING US without even any discussion or longer notice. Very Poor. We'll be taking all of our business away from them now - all insurance and banking."
2008-07-25 15:49:23 EST
"buy it if you can. Only open to members of the military and their dependents."
2008-07-26 17:35:44 EST
"30 years, about 5 claims in that time, one major (when we lost a shipment) and they have always been wonderful."
2008-07-26 18:33:59 EST
"I didn't know I was eligible since I had no contact with my father. I called and they found all the info for me and I joined. Three months in, I had a major accident in a new car and I was at fault. They took care of everything instantly with no questions asked and my rate didn't go up. I bank with them, have my car loan (the easiest loan I've ever done) and try to keep all my insurance with them. If you can join, do so. It's the best insurance money can buy!"
2008-07-30 05:15:28 EST
"We've had USAA for the last 5+ years. We've not had a claim so we're not sure how they would pay out. It's also a shareholder's company so the insureds get a kick-back when there haven't been very many claims. But you have to be with them for quite a while and the more vehicles/homes, etc. you have with them the more your kick-back is. This was appealing to us but after this last policy renewal period, they increased our premium with no real explanation. We started looking around and are finding a significant decrease in auto/home premiums with other companies. We will probably switch soon or just before the policy renews again."
2008-08-04 14:16:57 EST
"Rates go up all the time..."
2008-08-07 23:40:48 EST
"I had to file a homeowners claim and they were very efficient/proficient in their handling of my claim. They have always been very professional in any matter I have had to contact them about. I would not switch to another insurance company even if they increased their rates."
2008-08-13 11:38:03 EST
"Great Compay. Great Customer service. It History and Membership speaks for itself. "
2008-09-01 19:56:21 EST
"USAA is a great company. If anyone is a service member, or descendant of one, I highly recommend it.
First, the service is excellent. I have never had anyone there be anything less than polite and professional.
Amazingly they also seem to be the cheapest around. You are getting good service and a good value.
Third they are extremely fair, professional, and well organized when you file a claim. I got into an at fault accident. They handled everything.
I would not switch ever. I trust them. They deserve to charge more. They are good stewards of your capital. They provide a great service at a fair price. If they have extra premium left over at the end of the year they send out a refund check. Even though they are currently the cheapest of all high service providers! I have shopped GEICO and Allstate to compare. "
2008-08-26 22:15:20 EST
"After being a customer for 40 years and living in the same house for 20 years with no significant claims, they have refused to renew my homeowners coverage, because there are too many trees and woods nearby."
2008-09-19 12:11:15 EST
"USAA is the best company period. They treat customers with respect and most of all pay out on their claims and do not penalize you for filing a claim unlik eother companies whoses rates "mysteriosuly" go up year after year!"
2008-09-22 21:13:14 EST
"Very professional, responsive, and genuine concern about customer."
2008-09-25 06:31:13 EST
"Their online banking is great too... especially deposit at home."
2008-09-23 15:19:17 EST
"USAA has great customer service, after all they have been recognized by Business Week for being #1 Customer Service for two years! I have never had a problem with the service or the policy. By far they care about their customers more than any other customer out there!"
2008-09-26 10:53:46 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
"honest straight forward and there for the customer"
2008-10-08 17:52:37 EST
"the premium has gone up to high"
2008-10-12 17:08:55 EST
"USAA is one of the few insurers who has not jumped onto the bandwagon of ridiculous breed specific discriminating policies against homeowners and their dogs. Over 8 years of coverage . . auto, homeowners and rental, and I've never had a complaint with them. Easy and fast claims processes. Their banking is also very good."
2008-10-16 23:53:52 EST
"USAA rocks!!"
2008-10-17 13:03:22 EST
"USAA Life Insurance has so many "caveats" that its like having flood insurance which is good until it starts raining. "
2008-10-24 00:09:07 EST
"If you are eligible for USAA I highly recommend you check them out. Customer service is excellent and the website is very useful as well as easy to use. "
2008-10-24 02:17:51 EST
"Was involved in a minor auto accident - USAA swiftly handled the claim and customer service was superior. "
2008-10-25 12:50:15 EST
"they lack in taking responsibility for the insuring of the insuree. there is too much responsibility put on the insuree. they try to worm their way out of their fuduciary responsibilities. they are deceptive in the trade practices."
2008-11-18 10:36:47 EST
"Claims were handled quickly, efficiently, and courtiously. There's always someone there to answer the phone and take care of my questions. Their website is moderately easy to use and get copies of data I need."
2008-11-22 16:08:40 EST
"My claim experience with USAA and their reasonable pricing is what keeps me with them. I have been treated on every claim occasion with concern for my problem, rapid response, excellent communication and a settlement more than fair to me."
2008-11-30 16:45:18 EST
"It is now two weeks since car was stolen. We had full coverage despite having an older car. USAA pays the rental car but not the insurance or tax so we are out $29. a day. We have to call every two days to get rental car extended. They say they will only pay the going rate in the local city newspaper (not Blue Book), despite our vehicle having brand new tires and we have receipts for close to $2000 in repairs done just 4 days before car was stolen! Car contained top of the line baby seat, clothes and other baby equipment--all not covered. The red tape and aggravation are unbelievable! And it still is not settled. Then they say if they pay us now and car is found within 30 days--we have to give the money back--even if it is undriveable. As we tell others about the theft and that we have USAA, we now hear from everyone "oh no-not USAA--they're the worst insurance!"
2008-12-01 12:16:59 EST
"Pay 50 percent of what they should."
2008-12-02 13:36:48 EST
"Customer service used to be wonderful, but I have now dealt with 2 adjustors who have both lied (on the phone and in writing) and my impression is that USAA is no longer interested in recruiting or retaining quality staff as it once did. Ironically, I continue to receive solicitation to open investment accounts with them at least twice weekly. At this point, I simply can't imagine sending USAA my hard-earned dollars to help pay the wages of their incompetent agens."
2008-12-03 22:49:08 EST
"Read your renter's policy carefully. Our brand new flat screen television was damaged and USAA would not cover it because it was not a "covered peril" "
2008-12-09 20:41:35 EST
"Member for over 25 yearws and could not be happier with their service."
2008-12-12 14:39:13 EST
"You don't get an assigned claim adjuster so your claim just gets lost if you don't call everyday. They are so busy no one calls back and you are lucky to get anyone to help you without explaining the claim over and over again to each adjuster you talk to. The repair facility that they recommend was also too busy and could not return calls in a timely manner. "
2008-12-12 21:14:53 EST
"Faithful customer for over 10 years. Late on two separate occasions in a year due to an extended illness and eventual death of a family member out of state. Refused to renew policy to a loyal customer."
2008-12-15 15:09:55 EST
"I have been a customer for over 12 years with USAA, but no longer. I also have only had 3 claims over that time, only one of which was my fault (icy road in N Crolina and into a guardrail) I was recently in an accident when a driver ran a stop sign and hit me causing me to roll. My vehicle (a 99 4Runner) was a total loss. USAA is paying me about $5700 for a vehicle valued from 7800 to 8500. (4 sources: bank(loan value), KBB, NADA and edmounds.com's FMV) I researched the company USAA uses for appraisals. It is CCC Valuescope. CCC settled a class action suit in 2005 under a different name. Now USAA uses them and there are many claims of CCC under-valuing vehicles. I pay my premiums and expect USAA to act in a sincere effort with my best interests in mind. This they have not done. Like other posts I have read, their service has been in a steady decline recently and I urge anyone who reads this to consider local agents who deal with you personally. I also urge others to read up on the CCC Valuescope and USAA partership. Just don't blindly go and take someone elses word for it. USAA is a company that supposedly takes care of the military, but I think the $$$ has gotten in the way of that! Sorry USAA, but you have lost my premiums and word of mouth travels quickly in the military. "
2008-12-31 15:21:32 EST
"I purchase my home in 2003 for 700,000 to include the value of the land. USAA in 2006 appraised the replacment for the dwelling at 990,000 and raised our premium over 400 per year. The appaiser showed our house having vinyl siding when it is clapboard more expensive. When I pointed this out they never sent out another appraiser like they promised. I contacted them again and they won't call me back. Also, they had a supervisor listen to my call without telling until half way through the call they were on the line. Retired military"
2008-12-23 19:15:45 EST
"My husband and I have been w/ USAA for many years, he is an officer and a veteran. Right before Christmas we were told our home insurance was being dropped because our home is for sale and somewhat vacant as we are in the moving process. Each representative tells us something different, and a phone call to this company can send you in loops with no consistant answers. Also if you are in florida, forget it, no longer insuring homes in florida, so if you are new to a florida base, call another company. I agree with all the other comments about how their service has declined. Too bad they are turning away their once loyal, paying customers."
2009-01-02 00:45:59 EST
"USAA is just another money grubber coasting on an old illusion of service. USAA has declined enormously in the last 15 years."
2008-12-26 11:20:41 EST
"Rear-ended by USAA-insured driver, and they admitted total fault. USAA then consistently lied and/or failed to respond, offering to pay total of $500 even though just my chiropractic bill was over $1,700. I filed suit in small claims court - they'd rather pay lawyers thousands and inconvenience policyholders than be fair. Moving all of my business."
2009-01-06 10:08:42 EST
"I have been a USAA member for 39 years and last year filed my second roof hail damage claim. The inspector arrived 2 weeks after my phone call and said he was the only adjuster reviewing over 90 homes in the area for damage. I thought USAA should have sent more adjustors to cover the number of homes hit by this large hail storm. My only other complaint is that over the years USAA has become more of a 'hard sell' company and seems to be always increasing my auto insurance rates even when I have never been involved in an accident. Oh well, maybe all companies are doing that as well. But this year I am seeking other company rates for the first time is 39 years before renewing my USAA insurance- just want to see what else is out there. "
2008-12-27 18:57:39 EST
"I am considering changing as they have stopped writing wind and hail here and their home owners rates seem too high compared to several others. I will miss them if I do as I have been with them for 46 years. "
2009-01-05 15:31:41 EST
"Company could not get a rental vehicle, attempting to pay half the value of the vehicle. Very rude adjusters, always call at night and on Saturday and state they are working overtime. Feel like cancer to them."
2009-01-11 08:55:10 EST
"I have them for 25 years. I never compared rates because when I first got them, they could not be beat. However, now I went to add my daughter to the auto policy and they want to double our rate. I now compared and the quote is double most others. I guess it may be time to switch."
2009-01-22 12:30:01 EST
"Outstanding customer service. Very responsive Auto towing service. Been there, done that with the rest, now I have the BEST. "
2009-01-14 16:54:08 EST
"I have been a loyal USAA customer for over 10 years with a legitimate claims history.
Unfortunately USAA has steadily increased my auto & homeowners rates over the past few years at every premium renewal and my auto & homeowners rates are now up 30 to 40% in just the last 2 years.
Received identical coverage quotes from Amica today and I'll save $1050.00 / year when I switch my homeowners coverage & auto coverage TOMORROW!
Loyalty deserves Loyalty in return...Goodbye USAA! "
2009-01-27 03:12:11 EST
"We use USAA for banking and for Auto and Renters insurance. It looks like their premiums may be a bit on the high side.
We recently made a claim on our renters insurance. Sewage backed up into our house and flooded it. The initial response by the claims adjusters was friendly and positive. They gave us a $1000 advance on the claim immediately so we could stay in a hotel and replace some of our clothes.
After we made the claim it took a week and they gave us a little more than half of what we expected. We had a replacement cost policy, and they gave us replacement cost minus depreciation, with an opportunity to recover depreciation by showing the receipts for the items. It turns out this is how every company does this but we would not have felt betrayed if they had explained this from the beginning.
After the initial claim they seem slow in responding to supplements, and to our receipts."
2009-01-21 12:39:58 EST
"Friendly on the phone, but malicious when they hang up. It's a classic sale of a bill of goods. They will take your money with a smile, but refuse the services when needed. NOT RECOMMENDED."
2009-01-23 17:36:00 EST
"They are great when selling you more insurance. They turn against you when you have a claim. Their claims agents are totally incompetent. If they can't beat you, they confuse the crap out of you and pass you from person to person. Not one of which you can ever reach twice after the initial contact. 11 years with them and State Farm beat their prices by over 50%. I feel robbed. Good by Usaa. NEVER AGAIN!!!! Thank you State Farm.
"
2009-01-19 10:40:05 EST
"The main issue we have with USAA is how much we pay for our insurance. Home is over $800/year and auto is over $1250/6 months, granted we do have a teenage son on our policy. But I have shopped around finding they are quite high for home insurance, and I'm under-insured according to a friend in the insurance business. Reading reviews makes me leery of any insurance company, no matter their ratings."
2009-01-19 13:49:45 EST
"The claims agents seem to be very confused or not well trained in what is covered. Belive me that cost me as a customer. Don't take their word for anything. GET IT IN WRITING !
"
2009-01-23 13:24:32 EST
"I have never once contacted USAA, whether to file a claim or ask questions, that I haven't been 100% satisfied."
2009-02-03 22:18:17 EST
"My apartment was broken into and I made my claim with USAA and about a week later they sent there investigator out to my resident. Though the interview the investigator told me himself that he thought that I staged the break in myself... and in his own words, "HAD A FRIEND KICK IN MY DOOR AND MAYBE PUT ALL MY THINGS IN A STORAGE UNIT," I was never so insulted! So screw you USAA! Good thing I had all my reciepts, but still.. they didn't cover half of my loss. "
2009-02-13 13:45:41 EST
"USAA Customer service is INSANE good. Outstandingly wicked good."
2009-02-09 21:41:50 EST
"GONE GONE GONE is the good old USAA. In with the new rude confused hang up on you USAA. I don't recomend anyone put themselves thru this. If you have a claim, just shoot your self in the foot. Its less painfull. I changed to STATE FARM. Saved $1,700 a year for homeownwers insurance. My new "better" insurance is $1,000 a year. I was taken by USAA. $2,700 a year for homeownwers Insurance????? My bad but never never never again. SEE YA USAA. "
2009-02-06 13:51:14 EST
"I had heard that USAA had the best auto insurance there was to offer and I qualified because I am a vet. I recently was in a car accident where I wasn't at fault and my car was totaled. After filing the initial claim I couldn't get ahold of the person handling my claim for about two days. When I did, she couldn't give me any information regarding the close out of the claim and said that someone would be calling me about the final evaluation and pay out. No one called for five days and then when I called back, USAA had already issued a payment and sent it in the mail. I specifically told them I wanted direct deposit since I have all my bank accounts with them. Now, half of the check amount is still on hold because it was over the check deposit limit which wouldn't have happened if they would have done what I said.
A week and a half after my car was totaled, out second family car was stolen. there was minor damage on it but the ignition was broken so it had to go to the shop. The adjuster took five days to look at it and then said we have to pay for all of the repairs and then USAA will reimburse us minus the deductible. this doesn't make any sense at all. I don't understand why they couldn't just pay the shop. And then on top of that, they issued another payment with out informing us and now I have to wait for it to come in the mail and then deposit another large check.
Overall, I feel as though USAA doesn't care about people who have policy's with them. They also don't share any information with the person that has filed the claim and they just do whatever they want. I don't see why it's so hard to call someone and give them an update if the claims rep has new information."
2009-02-06 14:27:20 EST
"They will not pay out for a claim, they look out for thier best interest. If I have wind damage why the hassle but will payout for people who have years of wind damage without having any of it fixed until its to late. What am I paying for???"
2009-02-11 20:10:00 EST
"Shop around. You can save a ton of money and get better coverage and the best part is that you won't have to deal with rude incompetent people. Where is the CEO? He must not read these reviews. They seem to be growing against USAA. "
2009-02-12 16:54:45 EST
"Wife got into an accident and was NOT her fault. USAA offered us to go through them for medical costs, even though we could have went after State farm. After my wife started receiving treatment, we got statements in the mail from USAA stating that they did not want to cover doctor visits and were telling my wife on how she should be feeling. HMMM... We are dropping USAA once this is over.."
2009-02-13 20:18:54 EST
"Do not ever file a home owners claim with USAA. I did and my premiums went up by 148%!!! I have been a loyal customer for 15 years, and had a renters or home owners policy for the last 10 years. I filed one theft claim over 10 years and got paid out $842. Now my premiums are $815 more per year!"
2009-02-17 11:49:08 EST
"Company is not responsive to the needs of the customer. For insurance purposes they have my house overvaled by almost double and my personal property valued at over five times the value of the property. Thus they have skirted the Florida Laws on raising insurance rates. They will not listen to reason, they say they have a program that computes values and building costs. I would like to run my business with a "program" that I could use to establish my revenues. I would buy their program, wouldn't you? Their auto program is just about as bad. I filed my only claim about five years ago for $1200 and they subsequently raised my premiums by $400 per year. Since then the rates have remained stable at this high rate."
2009-03-03 10:51:16 EST
"I have been with USAA since I joined the military in 68. Have lived in Baton Rouge, LA the past 20 years and recently went through Hurricane Gustov. Did not have any damage to my home but lost everything in the fridge & freezer due to loss of electricity. Never called USAA to file a claim. They called me a few days after the hurricane and wanted to know what damage we may have incurred. I told them the food going bad was our only loss. They said our policy covered that up to $500 and the next day the money was in my bank account. They took the initiative and it was very welcomed. Never have had any problem with auto claims filed. I have never had any problems with USAA but it does bother me that others seem to have all kind of problems. Its troubling that some get great service and others get poor service. Why would that be happening??? "
2009-03-06 16:41:39 EST
"The SSI rebate account builds up over time and there is no way to get it out except to quit the company for at least 6 months. Mine is close to $10,000 after 30 years. Will quit to get the check then decide whether to return."
2009-03-07 08:21:29 EST
"40 years and not one complaint"
2009-03-16 15:50:28 EST
"I have been with USAA for over 20 years. I disputed the market value of my vehicle (found online, market value was averaging $8500, thought should get $8000, they gave me $7200). The fact that I have been with them for over 20 years did not affect what I thought was a fair deal. Before this, I had been very satisfied with them."
2009-03-26 14:08:49 EST
"BAD FAITH. They keep denying payment for medical bills when I pay for this coverage and have given them ALL required documentation."
2009-03-19 15:55:58 EST
"They take a longtime to go through your claim, inspection and they do a bad job at following up. I had to call the insurance company and the body shop and get all updates and keep following up. I had to ask the adjuster to call the body shop to talk to them, he would care less about your claim."
2009-03-27 10:51:45 EST
"I have been a USAA member for over 40 years and am extremely satisfied with the level of service provided. This includes information, advice and claims service."
2009-04-02 08:32:48 EST
"not good to work with"
2009-04-06 14:42:47 EST
"I've been a USAA policy holder since 1971. Up until recently I've been very satisfied with USAA. However they just jacked up the annual cost of my homeowners policy by 25%. I've had no claims and live in an area (Maine) away from the coast, not subject to floods or hurricanes and yet in spite of house prices plummiting they raise my home insurance rate. When I called them to inquire for their rationale the told me that they just got a rate hike approved by the State Insurance Commission and they have a new system for estimating the cost of the home owner's insurance. They said if I didn't want my rate to go up I should reduce my coverage and/or deductible. Very disturbing and something I just can't ignore. I will move all of my insurance and financial accounts to another company. I wonder what size bonus the USAA Senior Management Team got this year?"
2009-04-08 12:11:53 EST
"Very slow to respond to inquires, if at all. Claim personnel failed to make contact or respond to contacts. Customer service pushed higher coverage than needed. Insurance department does not seem to care about policy holdiers."
2009-04-09 21:26:51 EST
"USAA is always fair, the customer service is excellent and the claims I've had are quickly settled. I'm now in the midst of a claim with another company (Unitrin because someone hit me) and I can sure see the difference. "
2009-04-16 17:37:05 EST
"I have been with USAA for 20 years....I would have said they were "Great".....but, then, I had to file a claim.....due to someone else rear-ending me. No question: the other party at fault.
USAA has been rude, obstrusive, obstructive....made every attempt not to pay one dime! I have been continually shocked!! Hey! I thought my company would stick up for us, our needs. HOW NAIVE of me!
The only problem I have with this survey is that there is only one "Very" as a choice to indicate unsatisfaction on claims handling....because I could not be more "very, very, very, very, very, very, {etc.) unsatisfied!
Who do these guys think they are?!?
If they do not want to cover injury and damage done to one of those whom they insure, caused by fault of another party, then: WHY ARE THEY IN THE INSURANCE FIELD?!?!"
2009-04-17 20:10:09 EST
"My truck was vandalized, called USAA and filed a claim. Woman I spoke to set everything up for me...made an appointment with the shop and when I got there, they had all the paperwork for my claim. Took less than 10 days from the time I contacted USAA until the time I got my truck back......... "
2009-04-21 00:07:42 EST
"I have auto (54 years!) & home owners (since 1980),no claims. A few claims for auto which were excellent however my last homeowner premium was way too high compared with last years and other companies. I phoned and was told the only way to reduce premium was to take high deductibles. After shopping I found more coverage with lower deductibles and 1/3 less cost. After all these years I regret paying these high premiums when I could have paid a lot less. I will stick with the auto but will drop the homeowner policy. "
2009-04-29 16:32:32 EST
"I was hit in a parking lot, the police report assigned fault to the other driver but USAA wants me to accept 50% responsibility for the accident! Both of us were insured with USAA. I don't think I had fair representation in this matter. I had nearly $1000 worth of damage to my vehicle and am out of pocket the deductible plus have spent countless hours trying to resolve this matter since USAA is not good at returning my phone calls. To make things even better, if I am involved in another accident, my rates will probably increase. I have been w/USAA for nearly 20 years and this is my first claim!"
2009-05-07 19:34:28 EST
"I am very satisfied with USAA's claim handling (2 claims in over 30 years), but unsatisfied with their their high premiums and policies on which those premiums are based. (Their "replacement cost" estimate is over twice what my total property, including the land, is worth). That is why I came to this site, to find an insurer with reasonable customer satisfaction at lower cost. It appears that most insurance companies have large numbers of dis-satisfied customers, so I may not find a good alternative."
2009-05-14 01:19:10 EST
"All of the "smack-talkers" on here who failed to take care of their own business oughta just pipe down.... USAA is one of the best deals going for the military but people have to recognize that they ARE a business! "
2009-05-24 00:31:15 EST
"USAA refused to pay for a roof/wind claim stating that the roofing materials were manufactured, shipped, warehoused, or installed at less than 72ºF. This roof was installed about 1 year before I bought the house (10 Years ago) and was inspected prior to the purchase and signed off by USAA whom financed the home. When I protested I was told I needed to pay for arbitration by USAA and they refused the claim. Then they raised my premiums 30% for making a claim."
2009-05-26 17:48:00 EST
"I had Hurricane damage in 2008 and they replaced the whole roof even when my contractor said they would only cover 50% it."
2009-05-31 15:39:50 EST
"No 24 hour live support so if something happens on the weekend or over a holiday you can not file or get a rental etc. until the next bussiness day....would be nice to speak to a live person as opposed to automated system when you are panicked becaue your car has just been stolen"
2009-06-05 23:16:02 EST
"Excellent company with polite, professional, and compassionate customer service."
2009-07-02 17:53:54 EST
"USAA sets the bar for customer service. Few companies can meet their standard. "
2009-07-06 13:27:59 EST
"USAA does not provide good service to its clients for accidents when an uninsured motorist is at fault. They do not want to pay out for medical claims when an uninsured motorist is at fault. This is very very bad."
2009-07-10 14:40:31 EST
"Great customer service. Telephone answering system a pain but manageable. No problems with small auto claims in past. Homeowners insurance is higher than competetion and for less coverage in texas - so watch for that."
2009-07-22 10:59:29 EST
"Claim service and policy service are outstanding. Prices are outstanding
"
2009-07-13 18:38:07 EST
"I have used USAA for banking and insurance for years, and their customer service is unbeatable."
2009-09-09 09:49:32 EST
"The best insurance company I have ever dealt with."
2009-09-11 14:25:09 EST
"Home insurance is outrageously overpriced. Other products and service are quite good."
2009-09-21 19:13:45 EST
"Fast reliable excellent service for over 40 years but just now there pricing has risen 20% in one year need to re-evaluate that. "
2009-10-01 12:37:59 EST
"Excellent Customer Support; always knowledgeable customer representatives. Home Claims were done quickly and fairly. When other companies were "stiffing" my neighbors after a hail storm, USAA paid for a complete re-siding no questions asked."
2009-10-01 15:38:20 EST
"My wife died unexpectedly a few years ago. USAA processed her life insurance claim with minimal forms on my part and within a week or two, the claim was settled. They provided gratis finanical consulting help as well. "
2009-10-05 10:18:11 EST
"Recent rate increases of up to 30% is totally unreasonable. I have blindly been loyal to this company for 20 years. This is the thanks I get!"
2009-10-13 15:21:24 EST
"I have been with USAA for 23 years. My auto policy has been in the same price for that time. They just raised it 70%!!!!!!!!!, no late payments or claims, perfect driving record. They lost me as a customer!!!!!!!!"
2009-10-18 17:02:40 EST
"USAA just increased my auto insurance 50%!!! No accidents of any kind nor violations of any kind with them ever (6 years). They claim they had to reevaluate their risk structure" for California. I am now searching for a policy I can afford to drive with."
2009-11-09 17:40:41 EST
"USAA has raised my home and auto premiums over the past two years to the point that they no longer really price competitive. I have not had any claims on my house and only one auto claim. I have been with USAA since the late 80’s with my auto and I started my home policy around the year 2000 with them.
USAA said the have filed for the opportunity to raise rates in Texas. Boy did USAA ever. My auto insurance has gone up about 30% because they can. USAA did the same with my home policy
"
2009-11-09 11:47:58 EST
"Been with USAA for over 25 years (auto and home), had one minor HO claim that they paid $1000, immediately jack our rates by $900. Now they want to raise our rates again. We are leaving ASAP."
2009-10-28 09:54:32 EST
"The best there is for the military/retired military."
2009-11-02 19:49:29 EST
"Amazing!"
2009-11-03 18:59:34 EST
"50 - 60 percent higher for home insurance than other companies. Rates continue to increase with no explanation. "
2009-11-14 16:21:47 EST
|
|
 Take Survey
|
|
View all Companies Reviewed
|
|
|
|
Auto | Homeowners/Renters | Health | Life | Insurance Agents & Quotes | Site Map | Privacy Policy | Media | About Us | Contact Us