Originally Posted By: Nick R
USAA takes care of everyone- unless you are trying to file a claim against one of their policy holders. Back about 2 weeks before I traded in the cruze I was rear ended by a guy on Central Ave in Albany, going home from work. At first I didn't see any damage except a bent license plate on his car, so I didn't call the police. That decision came back to haunt me.
I got his information still, including policy# and driver license, etc. Got home and went over it again, and in the light where we had been you couldn't see it, but his license plate number was engraved into my bumper. $600 repair job, filed a claim against him through USAA. Well, he never answered their phone calls, called them back or responded to the letters.
They said they had no proof he was there. Luckily I did have the presence of mind to take pictures of the scene, as well as his license plate. they took that, and they told us, very snarky and rude, that they still didn't have proof he was there, and that because he hadn't called them back, tey would have to wait another month to make a decision. Basically drawing it out as long as they could. And I TOLD them, I CLEARY took pictures of his license plate, showing his car was there. Check the pic EXIF data if you don't belive me. They were not pleasant to deal with at all, very rude to myself and my mom. They told us we could file through state farm, and we said we shouldn't HAVE to.
Mom threatened them to file an insurance dept complaint (and she ended up doing so anyway, because of how they handled the situation).
Mom was extremely unhappy, and flat out told them that she would never recommend USAA to anyone (well, besides that she works for state farm) and she is apalled at how they treated us, and she couldn't believe this is the company that is supposed to represent our military.
YMMV
Whoa...Nick...how does USAA "represent our military"???
They cater to our military, the members (including former members, or children of membrs) of the military are eligible to buy their products but they do NOT represent the military except in the sense of dealing with insurance claims made against those military members. USAA is not the military, not part of the US Government. So what if your Mom won't recommend them to anyone? USAA won't do business with most people anyway...only the above mentioned category...
Next, you basically did things wrong. Want to file an insurance claim? Get a police report. You let the guy go without a police report...so, without that objective determination...it never happened...you might have made it up...
You have an insurance company to represent you. Calling USAA directly is like going to court without your attorney. You should go through your company for an insurance claim.
You took a picture? Sure, well, I could take a picture of your car in a parking lot, then call up your insurance company and file a claim...without a 3rd party on the scene, no witness, no objective assessment, it's simply a case of "he said, she said"....So, how would you want State Farm to deal with me if I were making an unsubstantiated claim against you? One that would raise your insurance premiums? One that would cost you $$ They represent you by protecting you from false claims.
Snarky? That's so subjective that it's not worth repeating. Insurance department claim? Yeah, well in that claim, you'll have to explain how you didn't follow the law and call the police in the case of an accident...makes "Snarky" seem a bit irrelevant....I would be "Snarky" to a parasite that I thought was trying to shake me down for $$ on an unsubstantiated claim...
Instead of trying to pressure a multi-billion dollar insurance company yourself, you need to a: let your insurance company handle it or b: take the guy to court yourself.
And next time? Call the police...or it never happened...
), I honestly think that are some good benefits that he could enjoy. That's why I need you guys to give me some of your stories to at least convince to give it a try. I came up with one-hopefully it's true...
