A USAA insured didnt feel like waiting in traffic and drove off the shoulder of the highway and ended up t-boning our vehicle. The insured admitted to fault at the scene in front of the officer but recieved no ticket.
Our car was totaled. USAA denied it was their insured's fault and did a very lousy investigation that just included of their talk with their insured. The adjustor ignored our calls and denied everything. Then USAA called us saying they admitted to being 40% at fault and would compensate only for 40% of the vehicle's price.
We didn't agree but it was the most USAA was admitting to. They hung up the phone on us before we could arrange anything. The next day we call to verify we are told they now accept 50% of the fault and will not pay us anything for the vehicle that was claimed a total loss. We lost a vehicle, which is our main way of transportation to everything!
They refused to listen or accept anything.
This was the worst customer service I have ever seen. If I could fire them all, I would do it in a heartbeat.