Scan
Scan
Joined: Sep 9, 2013
  • Threads: 90
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May 5th, 2016 at 10:31:31 AM permalink
Do not be fooled by those patriotic USAAinsurance commercials. They are terrible.
A person with USAA hit my parked car.
USAA has to pay
Dealing with the assigned claims person is terrible, calling for weeks and leaving messages, she seems to have no interest in replying
Finally I called the main number, I asked to speak to her supervisor.
I left a long message for the supervisor yesterday morning, guess what... She never called me back.


Terrible company!
TwoFeathersATL
TwoFeathersATL
Joined: May 22, 2013
  • Threads: 37
  • Posts: 3616
May 5th, 2016 at 10:57:49 AM permalink
Quote: Scan

Do not be fooled by those patriotic USAAinsurance commercials. They are terrible.
A person with USAA hit my parked car.
USAA has to pay
Dealing with the assigned claims person is terrible, calling for weeks and leaving messages, she seems to have no interest in replying
Finally I called the main number, I asked to speak to her supervisor.
I left a long message for the supervisor yesterday morning, guess what... She never called me back.


Terrible company!

sorry to hear that your experience with USAA has been bad. I have USAA insurance and have had them, amazingly-I don't like insurance companies, had them always seem at least fair. I have not had the experience of being with another insurance company and have an incident with a USAA customer. That is obviously different. I have to ask, maybe the laws work different where you live, ask why you are talking with USAA? If someone hit my car, insured by whoever, I would call my insurance company and walk away. That is what my insurance company has to take care of. That was part of the deal when I was told I had to have insurance whether I wanted it or not, laws were passed. Maybe I misunderstood, but if my parked car had been hit by someone, I would only talk to MY insurance company. If MY insurance co didn't get it right, I'd get a different insurance co. Pls feel free to elaborate if I missed something. USAA came with my wife Sparkles, was part of the deal you might say. Her car, our home. I kept policies on my cars with State Farm for many years but eventually transitioned them to USAA as part of a re-structuring of insurance as we added an umbrella liability policy. Had to move the boat from Boat US which irked me more than having to say goodbye to State Farm after 40 years.
I'd like to hear more of your story. If there is something bad about USAA, I'd like to know. I'm invested so to speak.

Best of luck getting your incident resolved! It shouldn't, why would it, it shouldn't cause you to jump thru a lot of hoops.
Youuuuuu MIGHT be a 'rascal' if.......(nevermind ;-)...2F
rdw4potus
rdw4potus
Joined: Mar 11, 2010
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May 5th, 2016 at 10:58:40 AM permalink
Are you sure you're doing this right? There's really no scenario in which you're supposed to ever deal directly with the other party's insurance company...
"So as the clock ticked and the day passed, opportunity met preparation, and luck happened." - Maurice Clarett
Wizardofnothing
Wizardofnothing
Joined: Jul 3, 2015
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May 5th, 2016 at 11:13:04 AM permalink
I have dealt with the other personals insurance multiple times with both progressive and geioco
No longer hiring, donít ask because I wonít hire you either
TwoFeathersATL
TwoFeathersATL
Joined: May 22, 2013
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May 5th, 2016 at 11:31:19 AM permalink
Quote: Wizardofnothing

I have dealt with the other personals insurance multiple times with both progressive and geioco

we weren't talking about insuring your personals, we were talking car insurance. Progressive and Geico both sell you THAT kind of insurance?
Forget I asked that question.
I really don't want to hear the answer ;-)
Youuuuuu MIGHT be a 'rascal' if.......(nevermind ;-)...2F
rdw4potus
rdw4potus
Joined: Mar 11, 2010
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May 5th, 2016 at 11:54:54 AM permalink
Quote: Wizardofnothing

I have dealt with the other personals insurance multiple times with both progressive and geioco



It's not that you can't, it's just that you shouldn't. Your insurance company will pay for your repairs and then bill the other's insurance company. And if there's an issue, they insulate you from any collection or communication issues. They even carry their own reinsurance in case the process fails and they're stuck paying for your claim when the other party was at fault.

If you do the work directly, you're saving everyone else time and hassle and you're gaining control. But, usually, the control you gain isn't worth the incredible pain in the rear that comes with dealing with the insurer of an at-fault party.
"So as the clock ticked and the day passed, opportunity met preparation, and luck happened." - Maurice Clarett
Zcore13
Zcore13
Joined: Nov 30, 2009
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  • Posts: 3376
May 5th, 2016 at 1:21:22 PM permalink
Quote: rdw4potus

It's not that you can't, it's just that you shouldn't. Your insurance company will pay for your repairs and then bill the other's insurance company. And if there's an issue, they insulate you from any collection or communication issues. They even carry their own reinsurance in case the process fails and they're stuck paying for your claim when the other party was at fault.

If you do the work directly, you're saving everyone else time and hassle and you're gaining control. But, usually, the control you gain isn't worth the incredible pain in the rear that comes with dealing with the insurer of an at-fault party.



The only problem with this scenario is if you don't carry full coverage, you can't file a claim with your own company for damage to the car. You have to go through the other company. If you do carry full coverage, it's almost always better and more convenient to use your own company and have them subrogate against the other company. (I owned an insurance agency for 13 years)


ZCore13
I am an employee of a Casino. All the personal opinions I post are my own and do not represent the opinions of the Casino or Tribe that I work for.
kobalj
kobalj
Joined: Jun 23, 2015
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  • Posts: 107
May 5th, 2016 at 1:57:11 PM permalink
OK. Now you guys are finally in my world for a change. I can tell you from first hand experience that insurance companies in general are nasty and you need to watch your back whether you're the insured or otherwise. I represented them for a few years but I hated it so much that I switched sides and the last ten years I have fought them like I was fighting for my life representing injured workers as well as people injured in MVA's. I can't stand them and I thoroughly enjoy sticking it to them as much as I possibly can. Let me tell you what, the adjusters are usually pissed at the world. The reason being most of them have way too many files and the pay is not worth the stress and effort. Let me see if I can assist you with some general tips and if that still doesn't do the trick you can IM me and I will give you my cell and we can talk tomorrow if you like. If need be I will handle it for you and consider it pro-bono. I won't charge a dime.

First off, it's fine to deal with the insurance company of the person that caused the accident. The only thing I would look out for is do not agree to a recorded statement with the other side. As long as you avoid that they are harmless and sometime dealing directly with them is the most efficient route to take. The unprofessional conduct you have encountered is the standard as opposed to a rare exception. I deal with that every day. The good news is you did the right thing going above her head. However, sometimes that doesn't work. The next tactic I highly recommend is that every state has a set of ethical rules that adjusters must adhere to and there always is a governmental agency they have to answer to. If you google that you will find both of those resources and they are extremely powerful. You start quoting that and the next thing you know they will be barking like a dog if you so choose.

As far as your insurance company goes, the safe thing to do is contact them but just understand that when you go that route it may well indeed be easier in that they handle everything but you likely will have a deductible that you have to pay. Also, when is the last time someone other than yourself put more effort than you would to fight for your interests? Another factor to consider about whether to report it to yours is whether or not you purchased collision coverage. That is the coverage that covers your vehicle someone else damaged. That is different than property damage. Property damage is when you cause damage to someone else's vehicle.

Lastly, just remember whether it is your insurance company or theirs I can promise you this, you are a number to them. You are a black and white number on a sheet of paper. You are not a person. They don't care about you and no matter how nice they seem they are not your friend.

Contact me if you need me. From the info I gave you, you might not.
TwoFeathersATL
TwoFeathersATL
Joined: May 22, 2013
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  • Posts: 3616
May 5th, 2016 at 2:44:16 PM permalink
Now if your grandfather loaned the money to some young whippersnapper named Andrew to start his little Insurance agency in a cornfield way back when. And that cornfield is now the center of the richest counties in the state, one of the most prosperous in the country. Whippersnapper is a multi millionaire.
Don't mean jhit.....
See Kobalji above......

<edit Andrew isn't his name, not sure Andrew is even still alive, maybe alive, would be old.
Youuuuuu MIGHT be a 'rascal' if.......(nevermind ;-)...2F
Gandler
Gandler
Joined: Jan 27, 2014
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  • Posts: 1236
May 5th, 2016 at 3:06:57 PM permalink
Quote: rdw4potus

Are you sure you're doing this right? There's really no scenario in which you're supposed to ever deal directly with the other party's insurance company...



This. Though you can, generally your insurance should cover you and then deal with the othe persons insurance.


As a side note I have USAA and I have had no issues, and their rates are great. But, you should let your insurance rep deal with them, that is what you pay for...
"Whatever is my right as a man is also the right of another; and it becomes my duty to guarantee as well as to possess.Ē -Thomas Paine

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