Review 5 of 246|
Cost of insurance is low.
Poor support when you actually need them.
When I had my 1st accident (girl ran a stop-sign and T-boned/totaled my car) I called to notify them and ask what I should do about damages, rental, etc. They said they couldn't help me until I got a police report (which took days). They did eventually pay for the rental car, but paid me less than blue-book value on my car, and made ME pay for the towing and storage of my car (which ate up much of the meager check they sent me!) By the time I was behind the wheel of a replacement car (a used compact model) I was way in the red.
My next accident (a girl backed out of her driveway into me while I was stopped at a light) caused about $500 in damages. She was completely at fault, but USAA wouldn't even take up my cause and fight the other insurance company for the money, nor pay me themselves, because the damages were less than my deductable.
I have since learned that many of their insured have had success suing USAA to honor their policies, but it's sad that a company that you faithfully pay for insurance every month will only pay out if you take them to court!
Bottom line: they are cheaper than most, but you get what you pay for.