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My kids were driving my car (22 & 15 yrs old) on August 4, 2011 and were rear ended by a USAA insured driver. Turns out the driver had earlier been to the dentist and was put under for a procedure, then went to a local bar and admitted to have 4 beers.

USAA picked up my car a week later then finally gave me a rental 5 days later. After 2 weeks of hearing nothing from USAA on my car after numerous attempts I finally found my car. It was set to be auctioned off even though USAA stated it was not totaled!

I had it towed to a repair shop where It was evaluated and repaired. I had told USAA that I DID NOT want the car back if there was any frame damage. Well, guess what ... it was repaired and I found out that the frame was repaired. My car is now worth absolutely nothing and no one will take it. I filed a diminished value claim with USAA and they are saying that I have no claim that the accident and frame damage did not result in any loss of value. I hired a company to do a market evaluation and USAA discounted that and has not changed their position. Oh and did I mention that I did not get my car back until 9/16/2011!!!!

My kids are still in therapy, hired a lawyer, figured if USAA is willing to put a car back on the road with frame damage they are not going to care about my kids. Pray you are never hit by an insured by USAA, nothing but headaches and heartaches. My son who is 15 won't even get back in the car.

Lucky me, driving a car with frame damage.

Monetary Loss: $10.

Location: Sumner, Washington

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