New Reviewer

Usaa insurance screwing me

I was hit by a usaa member. company wants to total my truck for cosmetic damage. And wants to give me a salavage title. damage not that bad still can drive my truck. No frame damage. wants to pay $1200 dollars for my truck, worth more than that. People at ussa no help, never return phone messages. now i'm up to a supervisor still no answers. will back you back. they tell to talk to the state, do that then they say the state didn't tell that. have to call you back need to research more. this is a pain tring to do all this plus work. the accident wan't my fault and i'm paying for it in the long run
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I was hit by driver who was cited by police her fault was able to drive away took to my mechanic est is about 733. +body work around 500 usaa called and told me total loss didnt make since since their estimate is higher than my estimate. I told them unacceptable the rep on phone told me i would have to sue them and hung up on me i have got my insurance progressive involve at this time would appreciate any advice


So you forgot to mention year make and model and how many miles are on this truck. Insurance companies don't MAKE you take a salvage title.

You had to have told them you want to retain the truck for this to be an option.

Sounds like the 1200 bucks is minus the salvage value which tells me your truck must be older with some miles on it which at that point doesn't take much total with or without frame damage. Just a guess since I'm sure there is more to this story.


Be sure to jot down the name of the representative with whom you are discussing the insurance problem. Next, put all complaints in writing.

Try to solve at the local level. If this does not occur, try the national office. If you receive no help, write a letter to your state insurance Board with a list of the date and reps.

File a formal complaint. Good luck!

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#141382 Review #141382 is a subjective opinion of poster.
Dallas, Texas


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Hey ***, you know you have a payment due no matter where the bill is going

#141291 Review #141291 is a subjective opinion of poster.
Apple Valley, California
New Reviewer
I have been a member with USAA for over 40 years. They used to be a good loyal and trustful company.But in the last 10 years they have been greedy and terrible with their costumers. I just had dammage to my house from Hurracane IKE. Not only it took them over a month...
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I have been dealing with USAA about some financial investments I am making (entrusting my money to) with them. My experience so far with them is causing me some suspicions that they will NOT be there for me at the time of a property loss (fire, etc).

They have been courteous, but have made some major goofs in handling the investment -- amateurs!! Because of THEIR mistake causing me loss of interest, they will not stand by them and reimburse me for the mistake THEY made. Not good.

I am looking for another insurance company with good reviews to insure my home and automobiles. I don't trust them anymore.

#141245 Review #141245 is a subjective opinion of poster.
Houston, Texas
Usaa Mortgage

USAA rips people off

Woman hits me not only does she have usaa but she is an agent with them USAA sucks fails to pay for damages to my truck even though police report says it was her fault bmw fails to yield i hit her police report even states that she failed to yield and that she was in a hurry to pick up her kid i have 2 witnessess in my truck who saw her fail to yield not just that she lies to officer says her friend was behind her and saw the whole accident no one was behind her their was no one their usaa says they wont cover the damages to my truck did you see the old people on you tube that they also ripped off?? Another one of their insured hit them and they wont cover them either! TO MAKE MATTERS WORSE 2 1/2 years ago one of their insured pulled out of a side street also failing to yield he got the ticket he admitted fault my children and neice were hurt in the accident to this day they have not paid a dime in medical, car or any other damages and their guy admitted fault and their was an officer their at the scene who helped me get my kids out of the truck incredible this company continues to screw people over i have a neighbor who told me he was drinking alchohol and caused damages to his bmw he has usaa as insurance he tells us that he was under the influence hit a slick road and caused damage to his car and blamed it on someone else usaa went after a totally innocent driver got the money from them to cover their guy when it was their guys fault our neighbor goes on to say that it sucks for us but usaa will weasle their way out of everything
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They want you to get a lawyer. Most insurers do not deal with a victim directly. Sad, but true.


USAA will gladly take your money while waving flags and vets and apple pie but they are as nasty as can be if an accident occurs.

If you are a vet beware- get State Farm instead.


I have been a member for over 40 years and I let a lot of things slide but no longer. I have been burned on investments, found problems with the banking, been lied to by insurance agents, had to report USAA to the local department of insurance and found many problems with USAA.

Get real -- USAA is not the same insurance company it was 20-40 years ago. It is a different company. It is a cutthroat company and it is much more expensive than other insurance companies. The agents will lie to you.

Face it. It is not the same company that they used to be. They are mainly interested in making money. They censor my comments on their reviews and will not print anything that is negative except about once a month.

All my reviews have been censored.


Don't let these people throw you off. I've been covered by USAA my whole life and when I got into an accident and totaled my 2000 Ford Mustang, which had blue book value of $3,500 at the time, they wrote me a check for $10,500 and called it a day.

This whole process took about a week. The agents were very timely in returning my calls and they were extremely helpful.


haha this company has been screwing me. i have been trying to pay my payment for the past two months and they wont let me.

They keep telling me they have received the money when it was never withdrawn from my account.

Who would have guessed that these retards associated with the military would be better than a real company? haha


Total *** USAA cannot be trusted for anything other than to take your money and NOT pay out on claims as needed.

To *** with USAA....worst company ever and I've been with them over 36 years.


I've been with USAA for over 20 years with no problem until recently. I have personal property insurance that I pay for every month but as soon as I placed a claim for a loss of a chocolate and white diamond necklace, they canceled me!!!!!

All because they said my actual date of loss was wrong!!! How the *** would they know? They never paid me yet they chose to cancel my personal property, my homeowners, AND my auto insurance even though the last two had nothing to do with it.

I did NOT make a false claim, I DID lose the necklace, and I've concluded that they just didn't want to pay my. I despise them and they way they run their company!!!!


The reason why the company is going down the hole is because the company is squeezing its employees. have you ever noticed when you call you are almost sold something.

yup, and if the employee doesnt sell you enough..regardless of tenure..your fired.

they get written up and placed on process improvments plan for not saying certain words. that is how it is...and so yea..the service a lot of times is good bc with weekley performance will get picked to be placed on some sort of pip.


usaa sucks rips people off lets innocent children get hurt by their drivers :(

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#140961 Review #140961 is a subjective opinion of poster.
Phoenix, Arizona

USAA Bankruptcy Issue

USAA gave me the same song and dance about bankruptcy. They said because I crossed state lines (go figure, you have to MOVE in the military!) they were terminating my policy, and I was told I had two weeks to find a new policy. Nevermind the fact I have been a USAA member for over 10 years. Ironically, they told me the same thing, that "the supervisor was in a meeting." It took over 24 hours for that "supervisor" to call me back, and she informed me that I need to just deal with it, it's USAA's policy. I cannot understand why they are just going to dump a long-standing customer because I have to PCS. With that kind of customer service, I happily switched to Allstate and got more policy for less than I payed USAA. Best of luck with pushing your inquiry higher; I will never recommend USAA to anyone if asked.
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I was a USAA member for over 40 years and found them to be deceptive, to lie and contradict themselves. I am sorry but I have had a bad experience with them.


To the gentleman who changed to Allstate, "Good Luck". I was walking through a Sears store one day when an Allstate sales rep stopped me and inquired about my insureance carrier.

I told him I had USAA and he said "Never mind, I cannot compete with them. I have been with USAA for 44 years, and will never change. They insured my children when they couldn't afford insurance anywhre else.

This is my company. Love it or leave it, I don't really care.


I came to this site by typing in USAA complaint. I notice people here that want to defend USAA.

Since when did a person that was happy with the service they got from a company visit a complaint site?

You are ghost writers and liars that get "paid" by USAA to do damage control. USAA does NOT take care of the military.


Major Ivy you are a ***. USAA was started by officers and now another officer wants to defend them.

USAA does not take care of our military. They almost demand that all business you have with them be set up by automatic withdrawal from "YOUR" checking account. It is *** to give "any" company the right to withdrawal money from your account. You loose control of your own money when you do this.

USAA does not want to pay out on anything. I had wind damage to my home from tornadoes and to this day I have not been able to get my roof fix, due to waiting and waiting, and waiting some more on USAA. So Major Ivy you "don't want to pay for my mistake".. When did it become my mistake when a tornado touched down in my housing area?

When is it somebody else mistake when they have any damage to a home? That is why you buy home insurance you ***. :?

Now on the original comment about USAA and Bankruptcy. If you ever have to file bankruptcy you are better off walking away from USAA all together.


Am going through something with them as well. One of their adjustors let us stay in water damage and flood for 5 days and now they do not want to pay damages.

They are stalling on payments. Any suggestions.


My policy is great. I love USAA.They care about me and my situation and just like the military they go by the rules.

Come on people you know they are right. USAA is a member owned company. I'm sorry but i dont want to pay for your mistakes.

So yeah go to Geico so my refund check can get bigger because of less claims. And PS you get more discount because there fee's are higher.


I too was upset with USAA after we got our renewal policy. It was going up again!!

The last 6 month policy in October 2008 had nearly doubled already due to our 16 year old son getting his license. I can see that. our premium for 6 months was $1400 for three vehicles all full coverage and our teenage driver. now they want $1703 for the new premium.

Nothing has changed, our deductables were at the highest ($1000) we have had no tickets, no accidents no nothing!! That is a huge increase! The rep on the phone told me it depends on your state and in our state there are a lot of accidents and occurances. So we are punished for others mistakes?

He also stated that USAA has to keep up its business by increasing the rates. I gave Geico a call and for the sames coverages we are now paying $1330 every 6 months, same coverages as we had with USAA. Very big difference. We were with geico a few years back then went to usaa.

Well geico is cheaper and I was told our premium wont go up unless of course we have accidents or traffic convictions. I do no reccommend usaa, go for Geico especially if you are military retired military or government worker, they give more discounts!!

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#136086 Review #136086 is a subjective opinion of poster.
Wichita, Kansas
Usaa Claim
New Reviewer

USAA Insurance

The whole experience using USAA MoversAvantage and related services has been horrible. We are in the final stages of signing off on a real estate deal using exclusive USAA services and when we are about to finalize the USAA loan and USAA insurance needed to close the deal USAA decides it does not want to insure any more houses in the county the county we put a down payment on a house. (shown to us by the USAA Real Estate agent). This is coming from the company that solicited us to use their Real Estate Relocation Service, use their USAA mortgage Company and their USAA insurance. We really have a feel like USAA is abandoning us on this deal since we put a down payment on the property and are Expats overseas trying to relocate back to the U.S. Now we have to find another mortgage company and insurance company (from overseas)! This is very aggravating to say the least. I guess being loyal to USAA customer over the last 23+ years has no bearing on USAA's decision to leave us hanging like this. I would think most USAA members would be shocked to know that a company they grew to trust, a company who pride themselves to be loyal to it's members and who we exclusively used over the past 23 years for all insurance, banking and investment would treat their members in such a manner. Sometimes company's have to take a look past the $$$ they "might be exposed" to and look at the goodwill and relationships with their customers. USAA has lost allot of Goodwill in this instance and I am very disappointed with their lack of support to us Expats trying to relocate back to the U.S. So if you find yourself in the same situation beware of what USAA promises and do not assume they got your back covered... they are just like all the big insurance companies that look at the bottom line before customer service.....
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We too have had a horrible experience with USAA Home owner's Insurance. After writing us a Policy in February they sent us a cancellation notice that they can no longer insure homes in our area for various and sundry reasons.

Then to add insult to injury they withdraw a three month advance on the Premiums which the Bank says I cannot recover.

Great way to treat a Vet and his family. Thanks USAA.


We are having the second issue with USAA on our homeowners coverage. For the second time I feel like we are being defrauded. It starts off with lets take a look at your coverage, to no you are not covered, and when you fight them on it they say you are in a gray area and their legal department has to take a look at it. What is the sense of having insurance if your company will not help you when you need to utilize the coverage we pay for?

I'm getting the feeling that they're trying hard to minimize any risk exposure on the property and casualty side, and given the general economic situation it's not hard to theorize why. I'm sure that their investments have tanked like everyone elses, and they're feeling cash-poor as a result.

The part that upsets me is that USAA is a member-owned company, so there are no shareholders to consider. In essense, since I'm a long-time member, I've been a stockholder for over ten years. I feel that they're clamping down unnecssarily hard on risk exposure, to the detriment of their members. Bottom line is that people keep telling me that they are not the company they once were and that we are better off going elsewhere for better quality, lower costing services from companies who will actually do their job should you need their assistance.

Right now we wait to see what they are going to determine while we determine how it is best to proceed with them from here.

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#132956 Review #132956 is a subjective opinion of poster.
Yellville, Arkansas
Usaa Mortgage
A USAA insured pulled out from a private drive and my son hit it. A Corpus Christi Police Officer saw the accident and issued a ticket to the USAA driver. My truck was totaled and USAA offered to settle the loss for 50% and a few days of rental. USAA never questioned...
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I was rear ended on 12/18/2018 by a 18yr old that has never had licenses in the state of NC NEVER TOOK A DRIVERA ROAD TEST OR ANYTHING!!! And she was driving an USAA INSUREE’S car they still have not settled with my lawyer company should be shut down !! Pissed

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#128796 Review #128796 is a subjective opinion of poster.
San Antonio, Texas

USAA - don't get hit by their insureds

A USAA insured plowed into my garage in the parking garage of my building. I got an estimate for a new bumper ($1,035.00). The USAA adjuster looked at my car, told me I didn't get a new part for the car, even though the car had never been in an an accident, told me the car repair place which gave me the estimate was dishonest and encouraged me not to go there (violation of the law), and gave me an estimate $400.00 less than the original estimate I got. Lesson to be learned here - USAA won't treat you fairly. Beware!!!
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I cam home to theft in March of this year and contacted USAA. Its now almost September and they keep giving me the run around.

For the collectibles that were stolen I had a company affiliated with USAA called American collectibles. I am also getting the run around there. USAA has provided me with 6 Agents and I had to tell my story 6 different times. They are clueless.

Assurant has taken the collectibles claim and has also given me the runaround. Unreal what they let these insurance crooks do.


USAA LET MY KIDS GET INJURED BY ONE OF THEIR INSURED 2 1/2 years and still have not paid medical bills, or any other damages! Their guy got the ticket their was even an officer their and they have never EVEN MADE AN OFFER!!! USAA WILL LET THEIR DRIVERS INJURE YOU AND YOUR CHILDREN AND NOT EVEN PAY FOR THE DAMAGES DONE MY DAUGHTER WILL HAVE A SCAR FOREVER FOR THE INJURY SHE HAS

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#127034 Review #127034 is a subjective opinion of poster.
Denver, Colorado
Usaa Auto Insurance

USAA service

I have noticed that the service at USAA whether banking, insurance, etc has gotten worst in the past few years.Their favorite saying is "sorry" and they all sound as if they are reading a script when they talk with you. Even the supervisors sound like robots. I would change companies but I'm afraid the service everywhere is going downhill. It use to be a top company regarding service, but no more.I am going to research and see if it is true that they are out scourcing their phone calls. I also suggest (where legal) we start recording our conversations with USAA so we have proof of what is being told to us.
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I would like to say my experience with USAA has always been very satisfactory and positive. They handle everything on the phone, as there is no local office in the Norfolk, VA area.

Even though all is handled by phone, they have a claims adjustor at the body shop who has been extremely FAIR with all my families' auto claims. USAA was extremely fair to us with homeowner's insurance claims after Hurricaine Isabell a few years ago.

My family has been with USAA for fifty years and I have had auto insurance for fifteen years. They have been very reasonable on the insurance rates, and no one can touch them including State Farm, Geico, Progressive. A company that is extremely fair with their customers as well as providing top notch professional and always courteous service on the phone means I am a loyal customer forever.

Recently I had to make a large charge on my credit card, and USAA helped in that regard, with a large line of credit.

I have excellent credit and a very good rating with my insurance company, USAA. I recommend the company without reservation to all those who are eligible for membership.

#126839 Review #126839 is a subjective opinion of poster.
Albuquerque, New Mexico
New Reviewer
Same thing happened to me with USAA....We just moved to Montana...I was told that I would not be able to renew my policy because of a Bankruptcy three years ago....Makes not sense because I have changed the policy before and had no problems. I am very dissappointed and...
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They market to the military because they are leaches. Consider the best intentions of any company who makes their living off of service members.

They like these customers for the same reason any greedy organization loves the military, guaranteed paychecks. It is a god forsaken awful company, sorry and their customer service to us has been dreadful. Some people love them, we did too, until we actually needed them and then their true colors came through. We have been loyal for over 10 years, only filed two insurance claims and were put through *** each time.

They paid one and denied the other, even though they were minor claims. We have three (3) homeowners policies through them and two (2) vehicles. Our combined claims in over ten years has been less than $10,000. They denied us for one claim because the adjuster could not find the little code for the extra inclusion which we had paid for and after 4 months, calling them 3 times per week, going all the way up the chain of command, a top manager read the policy and said "oh yes, you do have coverage for that, sorry we overlooked it".

And now we have filed a homeowners claim for copper vandalism, despite the fact that it was owner occupied, under serious renovation or construction, they claim that because there is no furniture in the house and no renter in place as it is a 'renters policy' it is considered 'vacant' according to their understanding of the term, their definition of which they will not share with you.

So if you have a rental house and it sits empty for longer than 60 days and you think you have the peace of mind that you are covered against vandals, YOU ARE NOT. Even though our house was not vacant, they still claimed it as such and refused to pay.

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#123562 Review #123562 is a subjective opinion of poster.
Great Falls, Montana
My husnband is a colonel in the US Army ret- just got back from tour in Afghanistan. While he was gone we opened a HELOC - USAA had me PAY for appraisal- this was in October 2007. Two days ago (May 14th 2008) USAA called and informed me that they re-appraised our home...
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Honestly, it's moves like this that keep USAA strong financially. If they didn't seek pmi and you walked away from the loan (many do when equity falls) they would loose money.

This exact situation is the cause of the credit crisis that is causing our economy so many problems.

I know it's a crummy situation for you, but this is the way the system works. If they made risky decisions on loans (like WAMU, IndyMac, and Wachovia did) I wouldn't bank with them.

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#121007 Review #121007 is a subjective opinion of poster.
Madison, Wisconsin
Usaa Loan
New Reviewer
May 6, 2008 USAA 9800 Fredricksburg Road San Antonio, Texas 78288 Attn: General Josue Robles Re: Auto Account 139 ** ** Dear General Robles, I have been a member of USAA for 34 years. My parents have been members for over 70 years. My ex-husband, his wife and my three...
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i have been with usaa for 25 years. never had any issues.

if you keep you credit healthy you will never have any issues .

if you cannot make educated financial decisions then even organizations like usaa cannot keep you satisfied. so stop crying and fix your personal finance.

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#120368 Review #120368 is a subjective opinion of poster.
Tucson, Arizona
Usaa Auto Insurance