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3.0

Spoke to Mr. Alfredo today, he states that my new 2014 Audi with 2,192 miles on it and has FULL coverage insurance policy does not cover OEM collision parts due to vehicle being manufactured in 2013, although purchased special ordered from Bob Moore Audi Dealer on March 2014. Pretty unacceptable Insurance policy rules. I'll let the other 350,000 Military folks I serve with know this while I look for another Insurance company for Home & Auto, thanks for saving $88 for USAA corp!!! Need to discuss the revised estimate on my claim to utilize recycled/remanufactured/ aftermarket parts fenders from Keystone LKQ Mfr. This totally unacceptable!! on a $ 57,000 Audi which will future resale and looks that affect OEM fit and body alignment. I don't believe USAA would try to save $88.00 dollars on my $57,000 Vehicle while I pay over $1,000 every 6 months in auto premiums to protect my assets from these kinds of unfortunate claims where my vehicle was victim of a Hit and Run!!!

Bottom Line: No, I would not recommend this to a friend

Reason of review: POLICY COVERAGE.

USAA Pros: Detailed explanations of coverage and benefits.

Location: Edmond, Oklahoma

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There are no companies left that pay for OEM parts. That's long gone.

As for "Full Coverage". No such thing. That's a made up term by banks and financial institutions meaning physical damage coverage required to pay off the money owed in the event you have a total loss or to repair damage to your vehicle that you owe money on.

As long as you carry Comprehensive and Collision coverage, those requirements of your lienholder are met.

All the other coverages are optional.

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