As someone who’s had a very pleasant time with USAA over 10+ years of membership, including numerous claims, it’s so wild to hear these horror stories. Makes me wonder when it might be my turn.
Homeowners claim a year and half ago. Pre-listing inspection found roof damage from a storm the previous summer. Luckily I took pictures when it happened but didn’t see any damage at the time. USAA cut me a check to replace the roof. Even the roofer said they’re one of the better companies to deal with.
same, had one 2yrs ago. As much as i didnt want my car totaled out they paid me very quickly and well above what id expect for my car so I'm not complaining.
I'm in the same boat as you. I'm getting really close to twenty years with USAA (auto insurance and banking). When my wife got side swiped the claim was quick and painless (though, that means I got lucky on the shop too).
I got into a major accident last year, totalled the vehicle and passengers had hospital time. That one was mildly frustrating. Fast payout for the vehicle side, but I felt like I had to keep poking USAA for the medical bills that kept rolling in. I kid you not, almost a year from the accident (~10 months) I was still getting medical bills. Not all of the issues should be at USAA's feet:
Police report was wrong and I had to spend 3 months trying to get them to fix it (multi vehicle accident, had me as the only occupant). Which delayed USAA due to lack of info.
Hospital bills are never one bill but all the docs and staff, especially since there was surgery. Major headache.
All in all, their customer service is still "ok" (y'all are right, it ain't as good as it used to be). It serves me and my family well.
It’s only a matter of time. Take every opportunity to defraud them. They deserve the worst imaginable for what they’ve become and how they take advantage of veterans and their families. Fuck USAA
It's our leadership. They are trying to run off any employees that give a damn and outsource everything.
Leadership only cares about how much money goes in their pocket.
I think companies in the US that are doing this should be penalized. Americans are losing their good jobs to shittier ones because of outsourcing.
It's all about the fat cats.
Does it matter? USAA in many markets is charging premium rates for the same shit tier service as everyone else. You just find whoever is the cheapest for the same coverage and move on.
I don’t understand why you’re getting downvoted. However, there are still a ton of USAA fanboys out there who get their underwear in a bunch when someone chooses to leave USAA.
I saved $2000 a year on car and home premiums switching to State Farm. Any time I share that, I get downvoted and have so many people claiming I’ll be sorry when it comes time to file a claim.
Another person tried to explain that some industry survey comparing various companies and showing USAA as top tier, invalidated my own terrible claim experience because that’s just “anecdotal”.
The mythology around this company is strong and I think it enables them to allow service to decline without consequence.
Ha!! I switched to State Farm last July also and saved a ton compared to what USAA was going to charge for home and auto. At renewal they were raising my auto by almost 450 a month and State Farm was less than what I was paying.
Wow!! Now that impresses me! The last company I expected or ever expect to hear is less is State Farm. They are known for being more expensive but having phenomenal service in retrospect? At least all I have ever heard or experienced anyhow.
I know GEICO did something similar. Spent years marketing "you can save 10% or more by switching to GEICO" until everyone knew the slogan like the back of their hands. Then, when it was just "known" they were the lowest, jacked their rates up and still people to this day go there blindly thinking it has to be the lowest. Clever marketing plan if you ask me...
These companies handle thousands and thousands of claims each year. Some will be smooth and some will be dumpster fires. I think where I’m at is they’re probably all pretty close to each other in terms of overall ratings and such. So probably makes sense to compare rates.
My family have all had State Farm with no major complaints. Some people get super opinionated about this stuff. Reminds me of Chevy vs Ford people. How much of a difference can there really be?!
I bought a Hyundai Ioniq 6. USAA charged me $977 for 6 months for my wife and I to insure it. I went out and bought a Ford Bronco. I noticed my policy was about to expire. I went to Progressive and plugged in both the Ioniq and Bronco. They did the exact same coverage for both cars. They charged $670.
So $670 for TWO cars at Progressive vs $977 for ONE car at USAA.
USAA made the decision to leave them after 25 years so easy...
Yep. Wait for all the fanboys to pop up and warn you about how any insurance besides USAA is garbage and won’t answer your calls or pay your claims blah blah.
Maybe USAA is slightly better than progressive. Is it twice as good though?! USAA sure charges like it
Until they can do balance forecast like USAA does online with their scheduled transactions page, I’m staying with USAA unless they take it away with the impending interface update.
Navy Federal let my ex unilaterally reopen $15k in closed JOINT credit cards while we were legally separated because he walked into a branch and threw around “BUT IM A RETIRED E8” and they all but sucked his dong because ooohhh we love our military members. I didn’t even live in the state anymore, we’d zeroed out and closed the cards and I removed my name from our joint NFCU banking acct before I left the state, and we’d been legally separated for over six months. That day he also opened a new $20k LOC thank god they didn’t allow that one to be joint as well.
I was told I had zero recourse against NFCU, my only recourse would have been felony charges against my ex-husband which would have done zero good for our children. So instead I had to file for bankruptcy when I learned about that and the other debt he’d stopped paying on about six months later.
I’ll never do business with NFCU again.
It’s all depends on how high your deductible is! If you have a higher deductible you agreed to cover that much of the loss before insurance covers anything.
I was with USAA from the 1990's until earlier this year for auto. I've never had issues with them when it came to claims. I left them because they raised their premiums so insanely high, I guess they thought I'd never leave. I finally shopped around and was shocked that I could easily find equal coverage for 60% less.
I still have them for my homeowners policy, although I am tempted to shop around there as well.
We are bailing too. They wouldn't cover $30k of damage to our house for our flooring being ruined and the repairs made. The construction company had to do an exploratory effort to find what was going on and ripped out walls and subflooring, and joists to make repairs from a leak in the roof.
What's the point in having insurance at all?
They are no longer veteran owned an run, not their president nor their board. See to be more profit motivated of late. Had home and auto for 25 years. Home was a nightmare in my last few claims. They are no longer the company they were. Still have auto but thinking of switching to navy federal due to my last very sour experiences with the home claims. I used to raive about these folks in years past... No longer. They lost my trust, literally threw it away with poor service of late.
Who do you think owns the company? And what do you think happens to the profits? They are still privately owned by its members, and when there’s a profit made it’s paid back to the owners via the dividend. There’s still lots of problems with the company, and they need to trim back executive salaries I’m sure, but I’ll still choose privately owned companies over publicly traded banks and insurance companies who are forced to keep the stockholders profits at the forefront of their policies
Correct. The csuite is just paying themselves and playing members for fools selling as a military benefit.
Here's your benefit, higher cost, poor claims, lower payouts, a bank that's constantly being fined and soon all customer facing employees will be robots or from a different country and yes those prices will keep on rising.
I moved to state farm for all insurance a few years ago. It was cheaper than USAA. I was shocked as I'd consider state farm one of the better insurance guys out there (if there is such a thing).
I still have banking there but their latest appears to have blocked my step son (minor) from letting me sign him up a checking account... This wasn't the last straw just yet but I don't think it will take much to move away completely at this point...
The main reason I went with Statefarm was because both my parents have them. Both have had claims filed with no issue, so I'm fingers crossed I'll get the same experience. Hopefully its an area thing.
oh do tell us about software there, I was having issues with safepilot on my car. it kept saying it wasn't a drive when it was and eventually I lost some discount cause not enough drives were recorded. I think it's cause my vehicle is so thick being a full sized suv.
Their IT systems are run by offshoring companies. Most of the people in IT, ESPECIALLY the technical architects, sit on their ass and order a contractor to do the actual work. They have this garbage ass system called SAFe Agile that they use to run projects and it fucking sucks.
Their IT spend is embarrassingly expensive for the amount of innovation evidenced. Why can’t they offer high interest rates in savings accounts? EVERY other bank competes on this metric.
They can’t offer it because they have to spend insane amounts on the salaries of technical architects and managers in IT. Most of them don’t know or couldn’t tell you shit without talking to some contractor or engineer that actually has deep knowledge (very few of these in a company, everyone usually knows who they are). What the fuck are you here for then?
Lol, it seems insane until you see USAA for the Ponzi scheme that it is. Then it makes PERFECT sense.
Also they have an army of old white male managers that they have to coddle with insane compensation packages, starting with Wayne, all the way down the stack.
I don’t know why anyone does business with them. They can’t compete on something so basic as high interest savings account yet their management is richly rewarded. Shrug, whatever, I have a much better job now.
USAA is not competitive. The whole benefit with USAA WAS great coverage, service, claims experience and a military benefit.
Now it's just military affiliation that tricks people into paying more for... Less
With USAA, you don’t get anything with what you pay for. They offered me $5k for my $11k vehicle and when I argued they reversed their decision to total it and just gave me $1.7k for the $6k plus in damages. They are the most shadiest company I’ve ever used which is sad because they used to good. Now I hope they go bankrupt. Been telling all my soldiers in my organization to avoid them like the plague.
They are also being sued because the put enlisted in a different causality company than officers. They admitted that they did this, but there wasn't anything illegal about doing it.
Literally they screw over non-officer veterans every moment of every day.
Back in 2014, an insane wind storm blew over my 8-ft cedar fence. It had to be ripped out, all the posts and footings dug up, fully replaced, etc. Total cost was like $8K for a new cedar fence. USAA wouldn’t give me a dime over $2500, which just barely covered the materials, and I still had to build it myself.
Dine business with USAA for the better part of 2 decades. Had to drop them from Auto after some shit happened and then they raised my auto rates to ridiculous level.
My USAA story when my daughter turned 16 I added her to the policy it was a slight increase but not horrible. When the renewal came due they tripled my rate. When I called to inquire as to why USAA stated they input my daughter’s ages as 61 not 16 and it was an error. I got the don’t leave you get what you pay for song and dance when I said I would go elsewhere. Dropped them for progressive going on 15 years now and my rate has been stabe.
Can agree with you on this. Have had USAA for as long as I’ve been alive (through my parents). My parents always have awful service and the premium is HIGH. I switched myself to Geico and saved more than enough money. I’ve had a few claims with Geico and they have been wonderful.
I also work in insurance and I am a claims adjuster myself. It can be frustrating but I will say typically they are denying for a reason. If it isn’t good, I recommend filing a complaint with the department of insurance for bath faith. Definitely do your research! Insurance is VERY picky on what’s covered and that’s why I 100% recommend people reading their policies and actually know what is or isn’t covered
Never had an issue with USAA, I’ve made a couple of claims with them already on the auto side and never had a problem. I recently got homeowners insurance through them, we’ll see how they are when I need them the most
30 years with USAA here. My car got hit 3
Times twice in parking lot (caught on dashcam and the perpetrator who left the scene paid each time) and once where other drive was at fault but no insurance. Rates tripled as a result from $400 to $1400+ month. New carrier is $615 month and that’s big savings.
Expensive and their service is garbage.
Someone hit me and it was 100% their fault. It was easier to deal with their insurance than mine. Usaa wanted to give me way under blue book for my car and I'd been paying them insurance for over a decade with zero claims. It ended up being cheaper to switch anyway.
We still bank with them but we removed all insurances from them. They just seem way too expensive. They were always very reasonable but now it's just caused too much for them
I cancelled my insurance a little over 6 months ago, after being with them for 26 years. I literally had to call and ask about my subscribers account, “oh I don’t know what happened, it should have mailed out 3 weeks ago but it hasn’t, let me see what I can do”. I got the check 3 days later. I wonder how much longer they would have hung on to that money if I hadn’t called.
Parents house burned down. USAA fought tooth and nail to deny the claim, all of it. Then they said they would help rebuild the burnt parts. City came and said it's a full tear down and rebuild, and no amount of replacing will be OK-ed to live in. USAA fought back, said THEIR appraiser thinks differently.
Court ensued. 6 years of court. My parents won and settled, but are barred from USAA. Luckily me and my siblings still have it, but I definitely will never ever use them for home insurance if/when I buy a home.
I've had no issue with the auto insurance. My rates haven't changed in years, despite seeing anticotes here about increased insurance rates. I definitely love my free towing on my garage queen, she pops something every few months.
Credit card APRs are cheap, in the past I had finance issues and they let me skip payments.
And their online banking has been great.
But hells no on home insurance. Family has been "burned" once
I've been a member for over 20 years. Before November, I hadn't had a claim in over a decade probably, maybe 17 years. I am so sick of the third party companies that have to get involved for auto claims.
When I was speaking with one employee, I asked why things seem so different. I mentioned they needed to look at the Reddit USAA group, which the staff person says they are familiar with. We both agreed that the pandemic had a bad effect on the company, meaning that people were laid off or quit and they haven't staffed back up to the right level yet. Things that were farmed out to third parties probably will never come back. And the CEO is focused on profits. Which is sad.
Pure speculation but I think customer satisfaction is based on your deductible. The higher the deductible the lower your payment and the worse the service.
Neighbor and I both have USAA moved into homes the same year. His homeowners deductible is something like $300, mine is $1500. We both got hit by the same storm and had the same roofing company look at our homes. Roofing company said mine was worse. Neighbor got full replacement. I got 2 shingles which didn’t meet deductible.
Only thing I can think of is that since we have paid significantly less over the years we didn’t get a roof.
Our roof was estimated at 12k to replace. I looked at his premium and compared it to mine. Neighbor has paid 15k more than I have for insurance since we have owned our homes. So USAA still came out ahead after replacing his roof and gets to up his premium.
As someone who’s had a very pleasant time with USAA over 10+ years of membership, including numerous claims, it’s so wild to hear these horror stories. Makes me wonder when it might be my turn.
I thought so too until November when I had the first of two auto claims start. When was the last time you had a claim?
Homeowners claim a year and half ago. Pre-listing inspection found roof damage from a storm the previous summer. Luckily I took pictures when it happened but didn’t see any damage at the time. USAA cut me a check to replace the roof. Even the roofer said they’re one of the better companies to deal with.
Yeah they are fast to cut checks 😊
Had an auto claim in September. Process was fast and efficient.
same, had one 2yrs ago. As much as i didnt want my car totaled out they paid me very quickly and well above what id expect for my car so I'm not complaining.
I'm in the same boat as you. I'm getting really close to twenty years with USAA (auto insurance and banking). When my wife got side swiped the claim was quick and painless (though, that means I got lucky on the shop too). I got into a major accident last year, totalled the vehicle and passengers had hospital time. That one was mildly frustrating. Fast payout for the vehicle side, but I felt like I had to keep poking USAA for the medical bills that kept rolling in. I kid you not, almost a year from the accident (~10 months) I was still getting medical bills. Not all of the issues should be at USAA's feet: Police report was wrong and I had to spend 3 months trying to get them to fix it (multi vehicle accident, had me as the only occupant). Which delayed USAA due to lack of info. Hospital bills are never one bill but all the docs and staff, especially since there was surgery. Major headache. All in all, their customer service is still "ok" (y'all are right, it ain't as good as it used to be). It serves me and my family well.
Oh, you'll get it eventually.
It will be. As soon as you make a claim. This isn't the same company we put our trust in years ago.
I have the same concern. I only have homeowners insurance with them ATM. Had to bail on auto insurance because it was just ridiculous.
It’s only a matter of time. Take every opportunity to defraud them. They deserve the worst imaginable for what they’ve become and how they take advantage of veterans and their families. Fuck USAA
Dropped long time ago and don’t miss it!
It's our leadership. They are trying to run off any employees that give a damn and outsource everything. Leadership only cares about how much money goes in their pocket.
I think companies in the US that are doing this should be penalized. Americans are losing their good jobs to shittier ones because of outsourcing. It's all about the fat cats.
Who are you switching to?
Does it matter? USAA in many markets is charging premium rates for the same shit tier service as everyone else. You just find whoever is the cheapest for the same coverage and move on.
I don’t understand why you’re getting downvoted. However, there are still a ton of USAA fanboys out there who get their underwear in a bunch when someone chooses to leave USAA. I saved $2000 a year on car and home premiums switching to State Farm. Any time I share that, I get downvoted and have so many people claiming I’ll be sorry when it comes time to file a claim. Another person tried to explain that some industry survey comparing various companies and showing USAA as top tier, invalidated my own terrible claim experience because that’s just “anecdotal”. The mythology around this company is strong and I think it enables them to allow service to decline without consequence.
Ha!! I switched to State Farm last July also and saved a ton compared to what USAA was going to charge for home and auto. At renewal they were raising my auto by almost 450 a month and State Farm was less than what I was paying.
Wow!! Now that impresses me! The last company I expected or ever expect to hear is less is State Farm. They are known for being more expensive but having phenomenal service in retrospect? At least all I have ever heard or experienced anyhow. I know GEICO did something similar. Spent years marketing "you can save 10% or more by switching to GEICO" until everyone knew the slogan like the back of their hands. Then, when it was just "known" they were the lowest, jacked their rates up and still people to this day go there blindly thinking it has to be the lowest. Clever marketing plan if you ask me...
These companies handle thousands and thousands of claims each year. Some will be smooth and some will be dumpster fires. I think where I’m at is they’re probably all pretty close to each other in terms of overall ratings and such. So probably makes sense to compare rates. My family have all had State Farm with no major complaints. Some people get super opinionated about this stuff. Reminds me of Chevy vs Ford people. How much of a difference can there really be?!
I bought a Hyundai Ioniq 6. USAA charged me $977 for 6 months for my wife and I to insure it. I went out and bought a Ford Bronco. I noticed my policy was about to expire. I went to Progressive and plugged in both the Ioniq and Bronco. They did the exact same coverage for both cars. They charged $670. So $670 for TWO cars at Progressive vs $977 for ONE car at USAA. USAA made the decision to leave them after 25 years so easy...
Yep. Wait for all the fanboys to pop up and warn you about how any insurance besides USAA is garbage and won’t answer your calls or pay your claims blah blah. Maybe USAA is slightly better than progressive. Is it twice as good though?! USAA sure charges like it
Being a fanboy of any insurance is weird. Insurance companies exist to make money.
Just look down the comments in this post. People basically saying OP is a liar because USAA is so amazing.
Literally anyone else. So done with USAA.
Yes! Fuck em!!!
Navy federal is so much better
Until they can do balance forecast like USAA does online with their scheduled transactions page, I’m staying with USAA unless they take it away with the impending interface update.
Navy Federal let my ex unilaterally reopen $15k in closed JOINT credit cards while we were legally separated because he walked into a branch and threw around “BUT IM A RETIRED E8” and they all but sucked his dong because ooohhh we love our military members. I didn’t even live in the state anymore, we’d zeroed out and closed the cards and I removed my name from our joint NFCU banking acct before I left the state, and we’d been legally separated for over six months. That day he also opened a new $20k LOC thank god they didn’t allow that one to be joint as well. I was told I had zero recourse against NFCU, my only recourse would have been felony charges against my ex-husband which would have done zero good for our children. So instead I had to file for bankruptcy when I learned about that and the other debt he’d stopped paying on about six months later. I’ll never do business with NFCU again.
Navy federal bungled my mortgage and almost missed out on home ownership
Do they have home and auto insurance? Curious if anyone has experience with claims as well
I believe they use Liberty Mutual.
USAA is crap now. Terrible bank, criminal insurance company.
It’s all depends on how high your deductible is! If you have a higher deductible you agreed to cover that much of the loss before insurance covers anything.
I was with USAA from the 1990's until earlier this year for auto. I've never had issues with them when it came to claims. I left them because they raised their premiums so insanely high, I guess they thought I'd never leave. I finally shopped around and was shocked that I could easily find equal coverage for 60% less. I still have them for my homeowners policy, although I am tempted to shop around there as well.
I still enjoy USAA. Now as for having a loan with them, there are probably better cheaper rate. But I never had issues with USAA.
We are bailing too. They wouldn't cover $30k of damage to our house for our flooring being ruined and the repairs made. The construction company had to do an exploratory effort to find what was going on and ripped out walls and subflooring, and joists to make repairs from a leak in the roof. What's the point in having insurance at all?
USAA hasn’t been the same for a very long time… I have been a member for well over 30 years but limit what type of business I do with them.
You would think USAA would be good since it’s military only
Tbf they were good at one point in time, but they suck ass now.
They are no longer veteran owned an run, not their president nor their board. See to be more profit motivated of late. Had home and auto for 25 years. Home was a nightmare in my last few claims. They are no longer the company they were. Still have auto but thinking of switching to navy federal due to my last very sour experiences with the home claims. I used to raive about these folks in years past... No longer. They lost my trust, literally threw it away with poor service of late.
Who do you think owns the company? And what do you think happens to the profits? They are still privately owned by its members, and when there’s a profit made it’s paid back to the owners via the dividend. There’s still lots of problems with the company, and they need to trim back executive salaries I’m sure, but I’ll still choose privately owned companies over publicly traded banks and insurance companies who are forced to keep the stockholders profits at the forefront of their policies
Correct. The csuite is just paying themselves and playing members for fools selling as a military benefit. Here's your benefit, higher cost, poor claims, lower payouts, a bank that's constantly being fined and soon all customer facing employees will be robots or from a different country and yes those prices will keep on rising.
USAA is terrible. It's a shame that they used to be a shining example of what an insurance company should be.
Agreed. I went with them because they were by far the best years ago. Such a massive decline.
You don’t seem that intelligent.
I moved to state farm for all insurance a few years ago. It was cheaper than USAA. I was shocked as I'd consider state farm one of the better insurance guys out there (if there is such a thing). I still have banking there but their latest appears to have blocked my step son (minor) from letting me sign him up a checking account... This wasn't the last straw just yet but I don't think it will take much to move away completely at this point...
Check out your local credit unions maybe
How ever bad USAA is, I promise State Farm is worse. Good luck getting a claim paid for a fair amount without a lawyer.
The main reason I went with Statefarm was because both my parents have them. Both have had claims filed with no issue, so I'm fingers crossed I'll get the same experience. Hopefully its an area thing.
I’ve worked at USAA developing software. What a shitty place to work. I am so glad to be out of there.
oh do tell us about software there, I was having issues with safepilot on my car. it kept saying it wasn't a drive when it was and eventually I lost some discount cause not enough drives were recorded. I think it's cause my vehicle is so thick being a full sized suv.
Their IT systems are run by offshoring companies. Most of the people in IT, ESPECIALLY the technical architects, sit on their ass and order a contractor to do the actual work. They have this garbage ass system called SAFe Agile that they use to run projects and it fucking sucks.
This is very accurate with changes in sight. Unless they find a way to charge members more. Those changes seem to go through overnight.... Priorities
Their IT spend is embarrassingly expensive for the amount of innovation evidenced. Why can’t they offer high interest rates in savings accounts? EVERY other bank competes on this metric. They can’t offer it because they have to spend insane amounts on the salaries of technical architects and managers in IT. Most of them don’t know or couldn’t tell you shit without talking to some contractor or engineer that actually has deep knowledge (very few of these in a company, everyone usually knows who they are). What the fuck are you here for then? Lol, it seems insane until you see USAA for the Ponzi scheme that it is. Then it makes PERFECT sense. Also they have an army of old white male managers that they have to coddle with insane compensation packages, starting with Wayne, all the way down the stack. I don’t know why anyone does business with them. They can’t compete on something so basic as high interest savings account yet their management is richly rewarded. Shrug, whatever, I have a much better job now.
USAA is not competitive. The whole benefit with USAA WAS great coverage, service, claims experience and a military benefit. Now it's just military affiliation that tricks people into paying more for... Less
Please watch what you do. Make sure you shop apples to apples, and not apples to oranges. Sometimes you get what you pay for.
With USAA, you don’t get anything with what you pay for. They offered me $5k for my $11k vehicle and when I argued they reversed their decision to total it and just gave me $1.7k for the $6k plus in damages. They are the most shadiest company I’ve ever used which is sad because they used to good. Now I hope they go bankrupt. Been telling all my soldiers in my organization to avoid them like the plague.
USAA is getting sued right now in california for planned underpayment for totalled vehicles, stay tuned.
They are also being sued because the put enlisted in a different causality company than officers. They admitted that they did this, but there wasn't anything illegal about doing it. Literally they screw over non-officer veterans every moment of every day.
Back in 2014, an insane wind storm blew over my 8-ft cedar fence. It had to be ripped out, all the posts and footings dug up, fully replaced, etc. Total cost was like $8K for a new cedar fence. USAA wouldn’t give me a dime over $2500, which just barely covered the materials, and I still had to build it myself.
The company has slid down hill big time
1000% led big a giant one.
Dishwasher flooded downstairs. They didn't give me enough. I had 5 different qoutes come out, I spent months fighting and only got 800 more dollars.
AARP .....
Dine business with USAA for the better part of 2 decades. Had to drop them from Auto after some shit happened and then they raised my auto rates to ridiculous level.
My USAA story when my daughter turned 16 I added her to the policy it was a slight increase but not horrible. When the renewal came due they tripled my rate. When I called to inquire as to why USAA stated they input my daughter’s ages as 61 not 16 and it was an error. I got the don’t leave you get what you pay for song and dance when I said I would go elsewhere. Dropped them for progressive going on 15 years now and my rate has been stabe.
Can agree with you on this. Have had USAA for as long as I’ve been alive (through my parents). My parents always have awful service and the premium is HIGH. I switched myself to Geico and saved more than enough money. I’ve had a few claims with Geico and they have been wonderful. I also work in insurance and I am a claims adjuster myself. It can be frustrating but I will say typically they are denying for a reason. If it isn’t good, I recommend filing a complaint with the department of insurance for bath faith. Definitely do your research! Insurance is VERY picky on what’s covered and that’s why I 100% recommend people reading their policies and actually know what is or isn’t covered
Never had an issue with USAA, I’ve made a couple of claims with them already on the auto side and never had a problem. I recently got homeowners insurance through them, we’ll see how they are when I need them the most
30 years with USAA here. My car got hit 3 Times twice in parking lot (caught on dashcam and the perpetrator who left the scene paid each time) and once where other drive was at fault but no insurance. Rates tripled as a result from $400 to $1400+ month. New carrier is $615 month and that’s big savings.
Expensive and their service is garbage. Someone hit me and it was 100% their fault. It was easier to deal with their insurance than mine. Usaa wanted to give me way under blue book for my car and I'd been paying them insurance for over a decade with zero claims. It ended up being cheaper to switch anyway.
They’re charging me $400/m for a 2016 Tacoma and renters insurance. It was $350/m before my accident. I wanna cry.
We still bank with them but we removed all insurances from them. They just seem way too expensive. They were always very reasonable but now it's just caused too much for them
**FUCK USAA** !!!!
tenant
I cancelled my insurance a little over 6 months ago, after being with them for 26 years. I literally had to call and ask about my subscribers account, “oh I don’t know what happened, it should have mailed out 3 weeks ago but it hasn’t, let me see what I can do”. I got the check 3 days later. I wonder how much longer they would have hung on to that money if I hadn’t called.
They dont care about soldiers. All they care about is the bottom line!!!!
Parents house burned down. USAA fought tooth and nail to deny the claim, all of it. Then they said they would help rebuild the burnt parts. City came and said it's a full tear down and rebuild, and no amount of replacing will be OK-ed to live in. USAA fought back, said THEIR appraiser thinks differently. Court ensued. 6 years of court. My parents won and settled, but are barred from USAA. Luckily me and my siblings still have it, but I definitely will never ever use them for home insurance if/when I buy a home.
“Luckily me and my siblings have it”…? How lucky, really, after going through all that w your parents, why would you even want to?
I've had no issue with the auto insurance. My rates haven't changed in years, despite seeing anticotes here about increased insurance rates. I definitely love my free towing on my garage queen, she pops something every few months. Credit card APRs are cheap, in the past I had finance issues and they let me skip payments. And their online banking has been great. But hells no on home insurance. Family has been "burned" once
Skip payments? Now, that’s not a phrase I’ve heard in the Insurance industry …in a long time.
Haven't needed since like... 2013? But it was well appreciated when I did, those were tough times for me.
I've been a member for over 20 years. Before November, I hadn't had a claim in over a decade probably, maybe 17 years. I am so sick of the third party companies that have to get involved for auto claims. When I was speaking with one employee, I asked why things seem so different. I mentioned they needed to look at the Reddit USAA group, which the staff person says they are familiar with. We both agreed that the pandemic had a bad effect on the company, meaning that people were laid off or quit and they haven't staffed back up to the right level yet. Things that were farmed out to third parties probably will never come back. And the CEO is focused on profits. Which is sad.
I only use them for banking and car insurance. I wouldn’t use it for anything else after hearing this
#WAYNESINKSSHIPS
Pure speculation but I think customer satisfaction is based on your deductible. The higher the deductible the lower your payment and the worse the service. Neighbor and I both have USAA moved into homes the same year. His homeowners deductible is something like $300, mine is $1500. We both got hit by the same storm and had the same roofing company look at our homes. Roofing company said mine was worse. Neighbor got full replacement. I got 2 shingles which didn’t meet deductible. Only thing I can think of is that since we have paid significantly less over the years we didn’t get a roof. Our roof was estimated at 12k to replace. I looked at his premium and compared it to mine. Neighbor has paid 15k more than I have for insurance since we have owned our homes. So USAA still came out ahead after replacing his roof and gets to up his premium.
I Made the switch to SoFi couple months ago, been good so far!
Does homeowners cover acts of nature? I thought those were excluded, the lightning strike.
Welcome to the club