So imagine if you're the third generation of your family to get a policy with this company—your grandpa has a three-number account. Your Mom and dad have been with USAA insurance for their auto coverage for over 30 years. And you, just turned 22 and get hit by a semi from behind while stopped, while still under coverage of your parents policy. No car, back is hurt, at university in Seattle, 2500 miles away from your support network.
Then the company takes over two months to mail me a check for my car which is basically undrivable and already declared totaled. They give me a little over 5 grand for a car I bought 4 years previous at about 13k. While still in the rental from the first accident, I am hit again. This time, the lack of a semi truck means no cops make a report. Dual fault is assigned because the driver of the semi that sideswiped my car never had a chance to mention in the report that it was his fault, since there was no report.
Now imagine, after USAA paying for 2 and 1/2 years of chiropractic care (and you're entitled under PIP to 3 years), the company IME's you, waits over a month to schedule it, tells you that you can always go wrack up some more debt on your credit card they sent you when you could barely work by paying for the Chiro yourself, but they won't reimburse while waiting on an IME. To get the actual IME scheduled, I had to stay on the phone for three hours with some rude and some really nice people. But only after three hours did I get management that could make anything happen. I got a call from the company scheduling the independent medical exam within the next two days.
The whole time this is going on, payments to your credit and auto are considered late when their machines that sort mail or whatever incompetent moron is in their mail room take over 2 business weeks to process mail. Then you get a late fee, and an overdraft on your bank acct because the check at USAA in San Antonio, is still outstanding. It's like a financial/insurance wobbly H, with me in the middle. But as one rep put it, "have you ever thought of just getting a USAA bank account and doing automatic bill pay?" No, it's not a scam at all, right?
So some advice: don't get USAA. If you have them, always record conversations with the people on the phone, and always ask for a manager as soon as you can get a human on the line (circa 20 minutes after you call). This company is shady and predatory.insurance and banking should never be bundled. Contact a congressional representative today. Stop USAA's predation on American heroes, such as our armed forces and their families. And think, if my family's been with them ages, imagine what you, the prospective customer might get, if this was my experience?
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