I have had an account with USAA for several years. In the past, I have had a mortgage, several auto loans, personal loans, car insurance, rental insurance, renters (owner) insurance, homeowners insurance, a credit card, checking account, and many other accounts. I am 36 years old, a First Sergeant, serving in the Army for over 19 years, and being a loyal customer. I have never been at fault for an accident, have a clean driving record, never filed any property insurance claims, and never made any late payments.
In short, another USAA customer struck my vehicle and made false statements to USAA. Law enforcement did not cite the other driver or me at the accident scene and could not determine who was at fault based on the vehicle damage evidence and conflicting stories. I had no damage on my vehicle, just a scratch, so I chose not to file a claim. Several days later, I got a call from USAA because the other driver had filed a claim. Later, USAA did this poor-outsourced investigation for the accident. USAA ultimately decided that because the other driver had children in the car, the driver would not have made such a dangerous move by passing me on the shoulder of I-95 and striking me while getting back on the road. My insurance company placed me at fault, and my rates increased based upon fabricated stories, assumptions, feelings, and likelihood. I will be taking all of my business elsewhere.
