r/USAA

I have had all USAA Insurance for well over 40 years. Just recently, our auto insurance received a significant dividend due to the new laws in Florida. This was good.

However, i just received my renewal for my umbrella policy and it essentially "ate" all of the auto dividend. The new umbrella policy went up over 100%. To be clear, I have had:

• 0 claims on the house or the auto (in like over 15 years)
• I have no moving violations in the last 10 years - actually not even a parking ticket
• My house is 14 years old but that should not matter.

I will call them on Monday but this just seems ridiculous especially in light of the big dividend and they are touting on the news how they are adjusting Florida policies due to all the new legislation on liability reform.

Anyone else have this issue?

We have ALL our insurance through USAA. Super expensive homeowners (high risk fire area). Auto on two older (2018 and 2015) cars. Umbrella. Pet. High value property. Umbrella (2M). Flood. Wife’s new small business insurance.

In the last year, a string of bad luck - wife backed into my truck. Comparatively small claim of $4-5k she was obviously tagged liable for. Then late last year, a $22,000 claim on the truck for rodent damage - yes, rats and mice took out $18k in damages in two days (plus the rental for 3+ months of repairs). And now the truck got rear ended by a CHP cruiser. Seriously you can’t make this stuff up. Truck is back in the shop for bumper, quarter panel, tailgate, etc work.

We had a water claim on the house in 2023 as well.

None of these are my fault, and USAA decided as much. Wife sits on the policy too so she (and therefore, we) are for the first one, of course. And they increased her premium at renewal last fall because of it.

But what will they do about the large comp claim for the rodents and the CHP damage? Not my fault - yes. But worried sick they’re going to use the aggregate claim volume or something as an excuse to drop us or hike our premiums significantly.

Or am I over thinking all this?

California.

EDIT 1: I can stomach a modest premium increase as I know there is higher aggregate risk here. Cancelation is my biggest fear- there aren’t many alternatives for the house where we live.

So i’ve been on my dad’s auto policy with USAA for over a year since I got my car. I hate having to pay him and do everything through him so I set up my own account and did a quote that turned into an active policy by accident.

Essentially, I accidentally removed myself from his policy. I realized I didn’t want to do this so I called USAA to cancel this mistaken policy and add myself back to his account. The guy on the end (shout out to Steven) was amazing and added on discounts that he said I was missing. Previously I was paying 360 per month but with discounts he cut it down to 211 and said it was cheaper for me to remove and readd my car. I am in shock!

Today I found out USAA is a bank, and not a credit union. I feel kind of embarrassed to learn this now, as I've been with them for about twenty years. I had always thought it was a credit union for Service Members and their families. To this day, the signup page still seems to imply that a relationship with the military is a requirement.

Notwithstanding,the USAA is a member of the FDIC and not the NCUA.

I see a few people mentioning them.

Are you referring to factory installed systems or addons?

Does your system record front and rear? Sides?

Does it really make a difference in a claim?

Can it be used against you?

In states where two party consent is required to record, how are these systems affected?

I logged into my bank account this morning and noticed my balance was way lower than it should be. I looked through my bank account worried that someone was taking money from my account when I noticed my monthly payment to USAA was pulled for my auto insurance was almost $900. My monthly payment was $411 last month. When I dug through my policy I see my wife's car shot up to triple on the collision part of our policy while mine stayed about the same. No claims, no tickets no accidents. I can't figure out what happened. I looked through my documents and there is nothing there about an increase. I tried to make changes online and change our deductibles, but when I do that, it flips the increase over to my car and my wife's car goes down. I tried to call the customer service line and they are closed. Has this happened to anyone else lately? None of my bills are getting paid now because my account is drained.

I had a girlfriend who I thought id marry but we broke up. Had her on the insurance plan. Now I need to remove her entirely, but USAA is asking for a certificate of divorce. I would love to provide it, but I dont have it. I dont want to be like, persecuted for fraud or anything. How do I go about this?

I had recently been having alot of troubles in trying to add an external account through USAA to Fidelity, everytime i get to the end of the agreement and transported to "Connecting to fidelity" and immediately I'm given a "Something went wrong." "We've notified support and we're looking into the issue." I've had this issue when I first tried it and everyday afterwards. I don't know if it this an issue with Fidelity exclusives or one with USAA, I can't seem to find anyone else who's had this problem lately.

You may not be seeing them very often as they usually get filtered, but I still see a few a week.

I've also seen a few asking about jobs in the USA rather than about jobs in the company.

Are people just confusing the USAA name with U.S.A. the country?

I've done some things in ModTools to wipe some of them, but if you see [Removed By Reddit], those are done by some kind of Admin tool they don't tell us much about.

This stuff was left untouched here for so long, it's taken a while to clear the Mod Queue of reports and other problems that were never acted on.

If you see one that gets through the various levels of filters, Report it. I check the Queue several times a day and there is a special flag that appears for Reported posts or comments.

I was heading home and my phone was not connecting to my CarPlay. I made the dumb mistake of looking down at my phone to call my wife. I looked over and there was a police officer.

I got pulled over, I was very respectful. He was respectful. He stated he can’t lower the offense and that I have to appear in court but not to worry as it’s my first offense.

My worry is insurance. I know insurance can still raise rates without points. Some people said a plea bargain may result in a higher fine but that’s usually because you’re paying off the points but in this case there are no points, but it may change the ticket type to something other than distracted driving.

Just looking for advice. I know I messed up, I learned my lesson. No more phone use in the car.

Is it just me or is the app and website down right now. Can’t log into either one.

Get a USAA email claiming it'll lay out various areas related to my financial health, including a range of actions, insights, and opportunities to learn.

Click on it. Takes me straight to nothing but a pitch for umbrella insurance. Nothing about my health in any other aspect of financial health. Just a pure sales pitch.

There's also a funny glitch...for a second there's some kind of "insurance dashboard" that appears for an instant, but is bypassed on the way to the umbrella insurance pitch.

It appears to be a legit USAA email.

It all kind of smells like USAA is trying to use some sort of AI agent system for "financial health" and it's just a hot mess.

I’m supposed to get paid on Mondays but I religiously have been paid the Friday before and on holidays, Thursday. Recently my last two checks have come at 4 on Monday nd I was just wondering if somethings changed? It’s kind of wrecked me 😭

Services are down. Got off the phone with a rep after a 15 minute wait time. Said to check back in an hour.

Worked fine before they "fixed" it. Just today, my drive home from work, I never touched my phone, claimed I used it 29% of my drive with 2 phone use incidents. My safe driver discount is now down to 1% . Doing this for anyone else?

I had water damage in the interior of my home and have dwelling protection that is covered by USAA.

However my HOA also has insurance. The HOA master policy states both interior, exterior, and shared spaces are covered with a 10k deductible. however the HOA's CC&Rs state only shared/exterior is covered. The CC&R and Master policy are not aligned oddly. All damages in home are interior only.

Now USAA helped cover the initial 10k deductible but they are saying my HOA insurance should cover the rest due to master policy but the HOA is saying USAA needs to cover it due to the CC&R.

Which one is right? They both claim the opposite, the HOA says the CC&R overrides the master Policy and USAA says the Master Policy is the truth (i.e CC&R is not relevant).

They raised my rate from $160 a month to $240 a month with no accidents, no claims, no tickets... I drive a BMW in Orlando. Apparently they don't have enough drivers to outweigh the claims. Progressive just gave me $830 for 6 months policy same exact insurance coverage as USAA

USAA is trash unless you live in a zip code with no population or have a car they know will be totaled aka a shit box

We have already had a few hail storms this year and decided to go ahead and put in for a hail and wind claim. I started by have about 5 different roofers come and give us opinions, which each said we had hail and wind damage.

We initiated the claim, and the process started off very smoothly and quickly. Got assigned a desk adjuster and field adjuster within 2 business days. The field adjuster met our roofer and inspected the house on a Monday. He let me and the roofer know he did find sufficient hail samage and was going to suggest a full replacement.

Here is where things went downhill... on Thursday, I got a call from the field adjuster, and he said he wanted to warn me that the desk adjuster was asking to "adjust the report" to deny the claim. He said the desk adjuster said that since our plastic vents did not show hail damage, she did not believe all the other damage was hail. He says he strongly disagrees, and with his 30 years of roofing, he knows the plastic vents dont dent like the metal or shingles. He says I'll have to wait for the report, and then he suggests I appeal it or have my roofer write a letter (which they also agreed to do).

It's now been a week since the field adjusters warning call, and there's still no report from the desk adjuster. This all seems extremely wrong that the desk adjuster can deny the claim with all the hail evidence just because a plastic vent isn't dented. It's already well past the 2 business days the USAA says the report would be done by.

I have been with USAA for 25+ years and use them for banking, credit card, auto insurance, home insurance, and valuable property insurance. This is our first of any type of claim. If this truly gets denied for this, I'll likely taking all services elsewhere.

Does anyone have similar experiences? How is the appeal process? Anything I can do to correct this desk adjuster?