Hello fellow USAA members,
I was recently in a collision. The other driver was 100% at fault (insured by another company). My car, a 2015 Honda CR-V LX, around 30K miles, purchased used a couple of years ago and financed through USAA, was totaled. While I waited for my settlement offer, I read comments on this board and saw mostly complaints. I was worried, expecting the worst. So, I wanted to share my experience in case it might be helpful for others.
In my case, everything went really well. USAA handled my claim competently, compassionately, responsively, as quickly as possible - I think, given the specifics of the situation - and made a fair settlement offer. All in all, I was made whole in about a month, but much of that time was at the body shop (see detailed timeline below).
I've been with USAA since I started driving (several decades!). I'm sticking with them, and I continue to recommend them 100% to anyone who asks. Thank you USAA for taking such good care of me and my family. Kudos for a job very well done in representing me in this total loss situation. Ms. Kimberly is a wonderful representative of your company. Mr. Jaime in the total loss department was also very nice, knowledgable, and helpful.
@MSJD, thank you so much for your feedback regarding your total loss experience. I am happy to hear that our adjusters were able to take care of you in a timely manner. Thank you for your membership with USAA.
I saw your post and was really hoping I would have a similar experience--I did not. Instead of trying to help me, as I thought that the insurance company I have been paying for 6 years would, they are trying to nickle and dime my car's value as far down as they can. The amount they are currently offering makes it nowhere near possible to purchase a comparable car, especially when taxes, title, etc. are factored in. I assumed that people were just unhappy with their offers because they were being greedy, but it looks like USAA is just playing a numbers game with computer software, instead of looking at each situation on a case-by-case basis. The only time they care about about your specific car is when they're counting the number of scratches on your paint and the chips on your windshield, so they can deduct even more from your ability to purchase a decent vehicle to replace your loss.
I am sorry to hear that your vehicle was deemed a total loss. Please know that this is never the experience we want you to have when you file a total loss claim. I have escalated your situation to a subject matter expert who will be reaching out to you to address your concerns. Thanks~Mike