If you are involved in a hit and run whereas the purported vehicle and alleged suspect flee the scene then USAA will deny UM coverage which is against the letter of the law as well as case law. USAA acted in bad faith and eventually recognized and acknowledged their failure. Unknown perpetrator, totaled all three of my cars and injured my wife, and USAA says this is not a UM coverage until they can determine if it is. That is NOT what the law says!!!


@thejamesdanielluster, I am terribly sorry to hear that you have these concerns with your auto claim. I have located your information and I am escalating this to a specialist. They are going to review your situation and reach out to you. Please allow 2-3 business days for this to occur. Thank you.

How does one crash total 3 of your cars? 

UM doesn't apply to cars, it is for injuries to people. 

@757, Did you have a question about uninsured motorist property damage coverage or uninsured motorist bodily injury coverage? -LeKisha