4.2
587 reviews
Other Insurance Companies:
  • Average: 3.4
  • High: 5.0
Type:
Car Insurance Companies, Home Insurance Companies, Life Insurance Companies
USAA Insurance

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USAA Insurance
 
4.2

(based on 587 reviews)

Ratings Distribution

  • 5 Stars

     

    (415)

  • 4 Stars

     

    (49)

  • 3 Stars

     

    (19)

  • 2 Stars

     

    (27)

  • 1 Stars

     

    (77)

80%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

Best Uses

No Best Uses
    • Customer Service:
    •  
    • Available Plans:
    •  
    • Affiliation:
    • I received a sample (16), I am an employee or otherwise affiliated with the brand (9)

Most Liked Positive Review

 

So much more than insurance!

Many people think of USAA as just an insurance company but they offer so much more. USAA offers reward-based credit cards, banking services, insurance, car financing, and investments! They are truly a...Read complete review

Many people think of USAA as just an insurance company but they offer so much more. USAA offers reward-based credit cards, banking services, insurance, car financing, and investments! They are truly a one-stop shop for all of your financial/insurance needs. The USAA staff is always highly professional and very dilligent about getting back to their members. We have used USAA for car insurance, banking and home insurance and USAA has been excellent in all cases. They also offer reasonable rates and hassle free services. Since USAA has limited brick and mortar outlets, they have very good online tools. In addition, they provide you monthly reimbursements for ATM withdrawls since you don't have a choice but to use others kiosks. One of my favorite things about USAA is that you can very easily redeem miles for points online. They have consistently won awards for being the best on the web as well as the best customer service offering to model after. I believe that in order to use USAA you must have a military connection in your family. You should check out the USAA site to see if you can qualify. You won't be disappointed.

VS

Most Liked Negative Review

 

In May of 2005, while waiting at a stop-light, I was rear-ended

In May of 2005, while waiting at a stop-light, I was rear-ended by an intoxicated man. Not only was he arrested for drunk driving, but a police officer witnessed the accident.The driver's insurance...Read complete review

In May of 2005, while waiting at a stop-light, I was rear-ended by an intoxicated man. Not only was he arrested for drunk driving, but a police officer witnessed the accident.The driver's insurance paid immediately. The ironic part of this is, MY insurance isn't so willing. Let me give a little background to make this clearer.Several years ago, while on my way to work, I was involved in a four-car accident; I was the front car. Through the process of dealings with insurance companies, I learned what was needed/not needed to get the claim settled. After that accident finalized, I increased my PIP (personal injury protection) and UIM (under-insured motorist) to assure that, in the future, everything would be covered.While serving in the military in 1997, I hurt my back. I had some bulging discs (the largest at 3 mm). In April of 2005, I had another MRI done that showed the discs still at 3 mm.Now, less than a month after being hit by the drunk driver, I was administered another MRI since the pain had gotten unbelievably worse and was having problems controlling my bladder (I was only 32). This time, the discs (five of them) were at 7 mm! What else could have caused this huge jump? It's so bad now, my nine year old daughter has to help me get dressed each day. Since the drunk driver only had the mininum insurance ($20,000), all of my medical costs aren't even closed to being covered. Surgery is a definite must.So now, I made a claim against my UIM (which is $75,000) last year since I can't afford surgery on my own (I'm not allowed to work and have no health insurance). It has been eighteen months and I'm still waiting. USAA asked for the most ridiculous documents, several times! At one point, they asked for my military commendations. Why? What difference does it make what medals I received in the military eight years prior?My attorney stated that he had never seen an insurance company ask for such meaningless paperwork before; he was dumbfounded. Now, we are forced to sue for the very thing I pay to use. In the meantime, I'm forced to pay for my own medication and doctor's appointments until USAA settles with us.Here's the odd part. If anyone can figure it out, please tell me. At the end of 2005, USAA told my lawyer they were giving me no UIM and closing the case. All of the sudden, a month later, a different person from USAA calls and says they are re-opening the case. Now that it's reopened, BECAUSE OF THEM, why are they stalling and making excuses? I don't get it.We pay premiums so that, if, god forbid, an accident occurs, we have peace of mind knowing we are covered. But, the moment it happens, they run for the hills and make us feel like we're asking the ridiculous. I don't know what to do anymore except sit and wait for USAA to do what's obvious and pay. I guess that's just a pipe dream.

Reviewed by 587 customers

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1.0

USAA Claim Experience

By 

from Tampa FL

Comments about USAA Insurance:

I am a USAA member since the 70's. My granddaughter had an accident with a USAA member and was not at fault. So many mistakes made and not returning phone calls. I was horrified at the service and responses my granddaughter received. I use to work for USAA and good service was the one thing we were proud of. This is not the same company I worked for.

 
1.0

The dark side of USAA

By 

from Los Angeles

Comments about USAA Insurance:

Around 2007-08, when the economy had be wrecked by the Great Recession, I became financially vulnerable. This is also when USAA abandoned me.

Prior to the recession, I had acquired a USAA credit card at 4.25% fixed. When the recession hit, I used this card as my safety net. While this was a tricky situation, it was manageable. Then, one day in 2008, after historically paying all my bills on time, I received a letter from my USAA credit card. It informed me that my fixed rate would be increasing to 16%. Since this was not the original terms of my cardmember agreement, I was offered the option to decline the increase and close my account. I chose to close my account, so that I could continue to pay down the balance at 4.25%.

A few months later, after continuing to pay all my bills on time, I received another, more troubling letter. This time, USAA said it found a loophole that allowed them to retroactively increase my rate to over 20%. I wrote many letters to the bank's president and regulators, but due to all the housing mess, my pleas fell on deaf ears.

I warned USAA that if my rate increased to over five times my current rate, that would break me financially and force me to default on the credit card. No one listened, and my rate jumped through the roof for no real apparent reason. At this point, my monthly payments wouldn't even cover the interest. So, without any other options, I defaulted on the account.

I endured 7 years of non-stop harassment from debt collectors, calling me day and night. I spent all this time on the sidelines, unable to buy a house when the market was low. I delayed marriage, and having children too. I spent 3 more years rebuilding my credit.

USAA Bank is an evil soul-sucking branch of an otherwise great insurance company. Don't do business with these sharks.

 
3.0

iffy confidence after 30+ years

By 

from Sarasota FL

Comments about USAA Insurance:

I was a policy owner in my own right from 1987 until marriage to another military member policy owner. My policy number was "dropped" and I was merged under his. Both of my children were added to his. Within 10 years as they left home and married they were denied to USAA eligibility since they were not "his" children and neither had been on my earlier USAA policy (they were too young to be licensed at that time).
All went well between the 80's until 2004. Outstanding service and respect and claim adjustments. Somewhere between 2004 and our next home purchase in 2011 things had declined. When we called, it seemed we were a bother. They no longer insured in Florida (our new home). We lost our benefit of multi discount with homes/cars in 2 different states. They demanded we get a $100 wind mitigation certificate to reduce our premium and when we did they said it "wasn't necessary" as the premium already had the discounted wind mitigation.
They could not find the children (now married) in their system and were rude to them saying they weren't ever insured under their "parents policy and so not eligible". Hold times increased. They will not use email and the log in process is very complex. The iPad app is worthless, requiring IDs and passwords each time- easer to go online to use with autofill.
The last straw was today with the flood quote- $100 higher than for the same coverage by ASI in Florida. They said they would fax but only the cover page came through. The quote was not available even on logging into the account so I had to re-request by snail mail.
With our last auto claim (last was 18 years ago) they towed it to a USAA approved chain but then we learned (after 6 days of it being there) that that particular franchise address was NOT USAA approved and we had to ask USAA to tow t to another franchise 3 miles further.
No other sites, including banking and investment sites, are so difficult to log into and they all email us directly. Its time for me to drop USAA

 
1.0

HORRIBLE AT PAYING JUSTIFIED CLAIMS.DO NOT RECOMMEND.

By 

from Texas

Comments about USAA Insurance:

USAA are experts at denying claims and will avoid calling you back at all expense. My $5,500 claim in Winnsboro Texas was adjusted to $2,700 or so and then the add on from the body shop was for unforeseen damages of $14,700 approx. and USAA couldn't see the obvious in front of their face. Poor service, poor injustice to customers, would NOT NOT NOT recommend to ANYONE EVER AGAIN!

(1 of 1 customers found this review helpful)

 
2.0

Not up to hype

By 

from Orlando, Fl.

Comments about USAA Insurance:

This is cut rate insurance. When I put in a claim for a cracked windshield, using they're provider, Safelite, they tried to repair it, failed, then replaced it, with a Safelite "comparable" windshield. The driving experience went from the quietest car I ever drove to having to turn up the radio to having to turn up the radio to drown out the noise. The USAA representative said it was policy to use after market, non OEM parts, whenever available. The USAA representative said they can' arrange a meeting with Safelite to discuss wether they thought they're parts were good enough. REALLY!

 
4.0

My insurance company for 10 years now

By 

from Cleveland, Ohio

See all my reviews

Comments about USAA Insurance:

A lot of what I read in the reviews in accurate, like extremely high premiums on home, auto insurance etc. we stick with them mainly as my husbands pay checks are deposited in the banking portion of usaa and it makes our lives easier having everything including credit cards and our car payments all with one company. Overall they have been great to our family, reliable, extra time if we are a little late... no over draft fees etc. it does cost more but the convenience is pretty much worth it. We did a claim in fall about siding damage, my husband called in as he didn't like the quote and they wrote a check so we could find someone WE liked better. Very accommodating.

 
1.0

Worst experience ever!!!

By 

from Butte, Montana

Comments about USAA Insurance:

I am being charged almost $100 more on my premiums for my auto and rental insurance. I have tried to call them for an explanation, I have tried to chat. I get no responses. I do not have time to sit on hold for 15 minutes. I am waiting until my insurance is up and I am going to cancel. Would not recommend to anybody!

 
1.0

False advertising

By 

from Baltimore Md

Comments about USAA Insurance:

I have been a loyal USAA customer for 16 years, first claim I ever submit for storm damage was low balled, never saw the insurance estimate or correspondence. Next thing I knew i received an email from USAA saying it deposited $500.00 in my account and i have a $500.00 deductible. The storm damage was over $2800.00, when i asked USAA to please reconsider they told me I was being ripped off and they don't pay off what i got was what I will get. It was almost impossible to get another estimate because everyone around me is doing the same thing. USAA told me lots a people overcharge after a storm and they wont pay, so I vae to. BEAWARE USAA DO NOT STAND BEHIND THEIR CLIENTS OR THE SOLDIER.

  • Affiliation:
  • I am an employee or otherwise affiliated with the brand
 
1.0

Horrible Claims Experience

By 

from Houston, TX

Comments about USAA Insurance:

I have had the worst experience with my auto claim with USAA. They have not paid for my rental car which was over $800.00 and they have only paid for 90% of my auto repairs. The body shop had to fight them to get them to pay that much. I am at this point out over $1800.00 and I may have to eventually go to mediation to get this resolved. They are very uncaring and are bad about returning phone calls. I have even spoken to management and have not gotten any resolution.

(1 of 1 customers found this review helpful)

 
1.0

HORRIBLE

By 

from Raleigh NC

Comments about USAA Insurance:

USAA is the WORST insurance company I have EVER dealt with.

Here's the scenario: on I40, press break slightly due to car in front of me slowing down, guy behind me squeezes in to get off on the exit and hits me directly from behind. Insurance company is claiming it's half of my fault because I swerved over to get in the lane in front of him, when I have a WITNESS that can testify and say otherwise. I had been in the lane all along. My claim was denied, it's both of our faults and they can't pay.

Sure I'm mad and that's why I'm writing this review but I was going to write it from the beginning when I first starting dealing with this company because of other reasons.

Your phone lines are hard to get through to even talk to a representative, the representatives interrupt you while you're trying to talk, and they blame you for the accident that you really didn't commit to get out of paying. I will definitely NEVER recommend this company.

  • Affiliation:
  • I received a sample

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