My free McDonald's meal.

High rates for drivers with over 10 at-fault accidents per month.

I recently purchased a new BMW M6 for $102,000, and have been in 9 at-fault accidents with it. It was eventually totaled (when I hit a pedestrian at 198 mph), and insurance paid me $10 plus a free meal at McDonald's. I bought a new Civic with my $10 (that's about what they're worth), and have only been in 14 accidents. They had the audacity to raise my rates to over $30,000 a week, and now they refuse to cover me. I do appreciate my McDonald's meal, but I lost $101,985.43 when I totaled the Beemer. My rates are $30,000 a WEEK and they pay me $14.57 for my $100,000 car.

Similar Products Used:

Dill Do insurance, Vi-Brat OR inc., Cleet co. insurance

Very informative call center employees
Outstanding local adjuster.

Rude Unprofessional Claims adjuster (out of town)

My daughter was hit by a USAA client. The lady that hit her was charged with running a traffic device ( Red Light). The first person I talked with to make a claim for my minor daughter was a very professional call center employee who put me in contact with a very rude, nasty man in Tampa Florida who flat out told me that he would not pay anything for my daughters car because he had not talked with the driver of the insured vehicle. She did not own the car she was driving that was insured by their company. He told me that she had two weeks to return his call, and that if he did not hear from her then I was just out of luck. I then told the nasty, rude,young man that he did not have to be rude that I was not trying to be unreasonable. I just wanted my daughters car fixed. He continued to have a bad attitude so I told him that I had investigated the lady's driving record through our county clerks office and I was sure he would be more than happy to take care of our claim once he looked at her record. Two prior accidents that she was charged with, 3 speeding tickets within 2 years, one in a school speed zone and 3 tickets for not having her small children in seat belts or appropriate car seats. I hung up the phone and within one hour a local adjuster was on the phone calling to make arragnements to look at my daughters car. It was totaled. I recieved a check by Fed Ex yesterday. All I can say is it pays not to let them try to bully you into believing they hold all the cards......

Similar Products Used:

allstate

NONE OBVIOUS

UNRELIABLE , DECEIVING.

My daughter was rearended by a usaa client, the driver was cited. They sent an adjuster out that was obviously not able to bend over very well, to appraise the damage. WE discussed the damage. A couple weeks later I received a letter from usaa insurance claiming they will not pay anything since the adjuster saw no damage. I called and spoke to Matthew who said he would talk to the adjuster and get back to me. Ha. After several attempts to call Matthew back, and leaving messages i finally talked to him , today. His response was he wasn't able to get a follow up reort from his aprraiser but they weren't going to pay anything because there was no damage. I offered to send pictures, get it appraised myself, etc. and he said " there is no damage". Upon reading their reviews I see now they do not stand behind their claims. I fully intend to pursue this in court. BEWARE!!!!!!

Similar Products Used:

ALLSTATE

I was hit aslo by one of USAA driver was t-boned. They could car less. They are rude and nasty people. I advise people to drop their insurance effective today. They never call back also will drag a claim till the end. See ya in court.

Paid claims

Adjuster quality is variable. The first one was much more helpful than the second

My son had just started driving. He lost control, crossed over the center line and crashed with a Porshe Boxer. Both cars were totaled. I only had liability insurance. They covered the medical and the Boxer without any problems. A year later, he totaled another car (he no longer has a license). This time he fell asleep and ran into a telephone pole. Again, they paid all of the bills without any problems.

I have been a customer for almost 20 years, so I can't compare them to other companies, but their service was ok

Similar Products Used:

none

Seem to be responsive in my case because I am insured with them.

Different prices for enlisted vs officers.

I have USAA insurance and they paid for a replacement windshield and paint damage on my car without any hassels. I read alot of negative reviews here about USAA where people were hit by a USAA member and then didn't get adequate or timely payment. I have the following comments which applies to all Auto insurance companies:

1) No insurance company wants to pay the other driver and they will drag it out as long as possible (even to the end of statute of limitations) and hope you will settle for less or go away.
2) Always get a "Police Report" even if its your fault and especially if its not your fault otherwise you just lost your rights with both insurance companies.
3) If you have a police report and the other guy is implicated or cited on the police report you have a good case against them. Don't sue their insurance company, sue the driver and owner of the car. Get Blue Book estimates, newspaper or Auto Trader estimates of replacement vehicles or parts/repairs and sue them in "Superior Court". Provide the court any medical payment records too. Its not as hard as you think, get a lawyer to help you fill out the papers. Once you sue them, the insurance company will most likely pay up because judges don't like dealing with insurance companies who don't pay up(come to court that is) and usually side with the plaintiff. The insurance company would have to appeal the verdict or possibly get sued by there own client.
In my case, the opposing insuring company paid me a check for the full amount on the very date of the court appearance plus Court Costs. Be tough!!

Similar Products Used:

21st Century, Electric Insurance, AAA

NONE

having a heart at all

My daughter Stephanie was hit by a car having usaa insurance while she was crossing with her bike in a crosswalk on July 6, 2006. I have since had 2 adjusters and they keep saying they will have someone take her statement , they have never shown up, they never took pictures of her or the bike. They do call but because i threatened to get a lawyer. We have had no one make a offer yet. My daughter had 3 weeks of pain in her knee and had a big scrape on her elbow which will become a scar for sure. I told the adjuster today that she has a fear of walking in front of a moving vehicle now, and she said well thats not to bad! DO you believe that!! My daughter is scared to walk in from of a car and that is not that bad!! I am so disappointed in this service i would NEVER get this insurance ever !!

Good advertising, treat you well until you have a claim (even if not your fault), epitomizes the BIG corporation

Cumbersome, slow to act and return calls. Maybe they are so used to dealing with Gov't employees, they have become the government.

On Father's Day, 2006, was hit by a person who fell asleep at wheel. We rolled over, totalling our truck and 5th wheel. We have had USAA since 1989. Adjusters were arrogant, rude, unsympathetic, and 'comparable' vehicles were not the same, but were 'mathematically adjusted' to make up difference. I told them I could do the same - find a longer, nicer trailer and 'mathematically adjust' price to fit my needs. Anyway, now we have to hire an attorney and sue them to pay us for a wreck that wasn't our fault. So much for customer service. I was appalled at the treatment after 17 years. I'll switch to ANY other insurance company, regardless of cost at this point. We had homeowner's, three vehicles (2 now totalled), loans, credit cards, etc. with them. NOT after this is cleared. It takes 7-14 days to get a return phone call! Meanwhile, we pay on a vehicle that is sitting in a salvage yard, depreciating daily. As a company, they started believing their own press and tricked themselves into thinking they are the best. See ya in court, USAA. You have nobody to blame but yourself.

Similar Products Used:

Anywhere but USAA

None

I have had the misfortune of also being hit by a driver insured by USAA. The lady just flat out ran the stop sign and t-boned me. Luckily on my passenger side. I am pregnant but luckily everything is fine. USAA could care less. It's been two days and they have still not contacted me. You would think with the possible liability they have that they would be on the phone immediately trying to make things right. But no.

They answer the phone.

Do not handle claims in a timely manner. Will not return phone calls. Does not have enough adjusters on staff.

On July 9th my vehicle was hit by a driver with USAA coverage. I reported the accident to USAA on July 10th at 9:00 am. Today is July 19th and this matter is still unresolved. No claims rep has called to set up a time to look at the damages on my vehicle. Further more I can not get anyone @ USAA to help in this matter. My advice is to pray that you never have to deal with USAA.(and I mean never)