USAA Insurance Complaint - You're Not Necessarily Covered
DENVER, COLORADO -- 4 1/2 years ago I bought a brand-new car and went with USAA for my insurance. I discussed the policy with their representative over the phone and have been paying my premiums ever since. As I paid cash for the car, I was very happy to know I was covered. I keep the medical bill coverage as high as it goes, I have road-side assistance, I have "Comprehensive" -- I use that term loosely as it means very little -- I'm even covered if a drunken moose or a band of rabid squirrels attacks my car (that comes under Comprehensive). I have everything covered -- or so I thought. One night a few weeks ago, my car was hit by a drunk. Not a drunken moose or other form of wildlife -- then I would have been okay -- but by some dumb drunk who ran into my car as it was parked outside in the middle of the night. Luckily for me I had insurance.
Unluckily, I had USAA. When I called, I was informed that my car is not, nor has ever been, covered. I asked how this could be and was told that I was signed up for what I was signed up for, so sorry, there's nothing they could do about it. I told the lady that when I first got insurance with USAA, I spoke with their representative and have always been under the impression I had everything covered. Why didn't the representative tell me my car wasn't covered? I also asked why, she might think, I would have absolutely all the coverage available except the replacement or repair of the car -- on a paid-in-full $27,000 car?! She thought it was a little strange but, so sorry, there was nothing she could do. Now I'm stuck with $3000 in repairs and the same lousy insurance company. I have to keep paying the same useless company that caused my problem. Apparently, I have to wait till the end of the "term" to drop them.
Apparently, somewhere I agreed to that too. They must have mentioned it at the same time they explained that their car insurance doesn't actually insure the car. I have been assured now, of course, that I'm 100% covered. I don't know how true that is. As I can't take their word for it, I guess I'll find out the next time somebody hits me.