USAA Complaint - USAA Auto Insurance - how do they make their decisions?
Please note that this is in regards to USAA Insurance only. All other USAA services have been top notch and they have gone above and beyond my expectations.
About six months ago, my wife and her side of her family were on vacation in Florida. Her mom pulled out of a parking space after a White SUV passed and the coast was clear. While she was pulling out, the White SUV stopped and reversed direction, hitting my wife's car, which was only about two to four feet out of the parking space.
There were multiple witnesses and the police report indicated that the driver of the White SUV was at fault. No citations were given since it was on private property.
A claims agent was working with us on the claim and we did get an estimate done at the shop of USAA's choice, for around $650. USAA's claims person indicated that the other driver was at fault at some point during the multiple conversations we had.
Since then, the claim was transferred to another claims agent who says the file did not show any history or claim that the other driver was at fault and they were working with the other driver's insurance company.
USAA claims that the liability is 50% our fault and 50% the other driver's fault since my mother-in-law was supposed to wait until there was 'reasonable' safety to exit the parking space.
Since when is it ok for an insurance company to contradict a police report that states the other driver is at fault?
We have pushed this for months now and are at our last resort, and are considering arbitration. However, USAA says that they only offer 0%, 50% or 100% liability. In other words, if the arbitrators say that it is 51% our fault, then it rounds to 100% our fault and then our rates hike and it stays on our records for a few years. With the 50%/50% option, that would not happen.
However, if we take the 50%/50% option, we must pay our entire deductible and wait for USAA to obtain the other driver's half of his deductible prior to us then getting a refund of half our deductible. Is this common insurance practice?
Is it even legal for them to contradict a police report?