Complaint Review: USAA - San Antonio Texas

USAA did fix my vehicle and after all the test it was the engine only the engine, thank goodness for that. Underneath the hood was the only damage. I should not have had to call USAA headquaters because the adjuster here in SC wouldnt move. Once I contacted headquarters authorization was given to fix the car with in 48 hours. I pay my insurance every month and I do understand there is a process that the company must go through first but, the dealer had all the test results completed and waiting on the adjuster who took his time, and to prove it once I called San Antonio and someone listened to us, the car was fixed. I can not remember everyones name who responded to this, but thanks for ALL the advice one would be surprise how this site helps others.

USAA did fix my vehicle and after all the test it was the engine only the engine, thank goodness for that. Underneath the hood was the only damage. I should not have had to call USAA headquaters because the adjuster here in SC wouldnt move. Once I contacted headquarters authorization was given to fix the car with in 48 hours. I pay my insurance every month and I do understand there is a process that the company must go through first but, the dealer had all the test results completed and waiting on the adjuster who took his time, and to prove it once I called San Antonio and someone listened to us, the car was fixed. I can not remember everyones name who responded to this, but thanks for ALL the advice one would be surprise how this site helps others.

Dolores is either insane or unbalanced... As for Patricia... I realize you're talking about two incidents, however, with one of them you threatened USAA that you would bad mouth them every chance you got. Since you told them that, i'm sure they're suspicious of your motives as well. Am I an employee of USAA? No. However, I have been with them for almost 15 years, and have had zero problems. I also love getting that yearend dividend check from them. Your situtation here is that you have a blown engine in your car. A blown engine is highly irregular, especially in a non-accident situation. You claim that flood waters damaged ONLY the engine of your vehicle. No interior damage, just blew the engine. As you can see from earlier posters, that is highly irregular. You have not answered the repeated questions of what Chrysler says about the damage. You get a Chrysler mechanic that tells USAA that the damage was caused by a flood, and your policy should kick in. Now, the problem would be that with a blown engine, there is a real possibility of the vehicle being a total loss. Which means they will pay fair market value, which could very well be below the amount you owe on the car. In that instance, unless you have GAP coverage through the dealership (If you financed through USAA, it is included) then you're SOL. Finally, I invite you to go around and find another insurance company. You WILL NOT find one that has better service or better rates.

You've been claiming your "injury" is due to some mythical PhD(whatever that means exactly) on some military base during a physical examination. Now it's from car crash. Stop listening to those voices and seek help.

The President spoke to Ms. Sheehan; the President spoke to the public and said he has no intensions to return our troops home; who's next to be the victim? He can only offer his compassionate speech to those who had our family die in Iraq and in Hurricane Katrina? Other than the President's compassionation to our families I feel for each and everyone of you and your family. The President should have funds for our country to stop assisting other countries and focus on the people that voted for him. My policy with USAA is full coverage. I am on MedPay and my medical bills have not yet been paid since my accident last year May, 2004. As stated in my coverage, I should be receiving loss wages from the Insurance Company. How long does it take to respond, I am religous to pay my monthly coverage, but they oversee what they owe me. How can I pay them if they can not offer the policy I've had with them for over 10 years? USAA is being sued in reference to MedPay and I'm now being taken to collection agencies because of them. Whose fault is this? This should not be mine or anyone's problem; I'm fully covered with USAA. I hope and pray to God that this does not happen to another family.

Jason it appears you either work for USAA or you are one of those old retirees who own a little stock in the company. READ Jason, you are talking about two different incidents with USAA two different cars, two separate date, times. Read man! Jason keep your advise to yourself, it is crooks like you that try to keep working people like me down.

But my good pal Benny in Cali would find something wrong with the answer given. Wait, I could NOT care less with what he really thinks. Flood damaged cars have damage everywhere, most noticably in the interior or the cabin. The automatic transmissions suffer terribly as they generally do not have any real pressure built up in them. The later models with the locking dipsticks tend to keep water out from that point, but they have vent tubes and seals that can allow the water in. The engines are generally safe as long as you keep the engine running. The blow-by in an engine will help keep water out. This is not a guarantee that no water will enter though. As long as the oil is changed immediately upon reaching a safe, dry area, you should be okay with that. What kills the engines isn't the water itself. It is the dirt that water carries with it. This is why coolant doesn't destroy your engine when you blow a head gasket. It is generally a clean mixture with no abrasive in it. When Patricia stalled her car, the water poured in. The water enters because as the engine cools down, it creates a vacuum inside the crankcase, and draws the water in from any seals or openings that are below water level. (Psst Benny...this is Jr High School science...everyone over 14 should know it). She should have checked the oil and all other fluids for contamination before starting the car after it stalled, and when the problem was found immediately, called a tow truck. This is what tow trucks are for, and USAA would have covered it. Is it the dealership's fault? Nope. Is it USAA's fault? Nope. I'll tell you whose fault it is. It belongs to Patricia. There was a time when part of driver education included learning how to properly maintain the vehicle. She needs to get educated. That being said, you are correct Jason. Patricia needs to get the dealership to write down the damage was caused by flood waters. USAA may be within their rights to deny the claim still, since the owner of the car is responsible for doing everything possible to prevent further damage. I wish her good luck though with her attempts.

My question on this is whether the OP is being FULLY honest. OP has previously stated that they will badmouth the insurer for what they have done previously. Now, if the problem weren't that the engine was gone (as OP states), then I might believe it a bit more. Lower levels of rising water can cause all kinds of nasty things, especially to an operating or recently running vehicle, such as damaging exhaust components that have been hot and are rapidly cooled by water. There are many certified mechanics here, so I ask them, is it PROBABLE that flood damage would be limited to only the engine of a vehicle? Further, how does the mechanic know that flooding caused the damage? Full coverage insurance will cover flood damage, however, it does not cover mechanical failure. I have a brand new 2005 Chevy, if I go out to the parking lot right now and turn the key and the crankshaft fails.. I don't call USAA, it's not their problem. If someone goes out to my truck and plants a stick of dynamite in the engine and sets it off, well, first I call the police and then I call USAA, because that would be covered. Another problem with all this goes back to the fact that OP told USAA that she would be badmouthing them. Odds are that is in the file, and she has been flagged. Now, she calls back in with 'flood damage' that broke the engine, and has no proof outside of a broken engine. Has USAA sent an adjuster to look at the damage? I've been with USAA for 15 years. In that time I have had 3 claims with them. One an at fault accident, one where I loaned my vehicle to a family member who wrecked it through a cornfield (No kidding.. THROUGH a cornfield. Corn didn't do that much damage, but the barbed wire fence did) and one stolen vehicle. Never a single problem out of them. Hell, they even paid the guy whose corn was run over for his corn.

Flood damage is often delayed. If a car goes much under water, insurance companies often automatically "total" it. Many times an unscrupulous person will get a flooded car started and sell it. Seems to run great. A week later, it is scrap metal. Used car buyers especially in the South need to beware after hurricanes. You need to show the insurance company that your problem is flood-related. Calling them right after the flood would have been good. Now try filing a warranty claim with Chrysler. They will likely say "we deny your warranty, as the engine was damaged by flood water." Get that in writing and present it to USAA.

Flood damage is often delayed. If a car goes much under water, insurance companies often automatically "total" it. Many times an unscrupulous person will get a flooded car started and sell it. Seems to run great. A week later, it is scrap metal. Used car buyers especially in the South need to beware after hurricanes. You need to show the insurance company that your problem is flood-related. Calling them right after the flood would have been good. Now try filing a warranty claim with Chrysler. They will likely say "we deny your warranty, as the engine was damaged by flood water." Get that in writing and present it to USAA.

Flood damage is often delayed. If a car goes much under water, insurance companies often automatically "total" it. Many times an unscrupulous person will get a flooded car started and sell it. Seems to run great. A week later, it is scrap metal. Used car buyers especially in the South need to beware after hurricanes. You need to show the insurance company that your problem is flood-related. Calling them right after the flood would have been good. Now try filing a warranty claim with Chrysler. They will likely say "we deny your warranty, as the engine was damaged by flood water." Get that in writing and present it to USAA.

Flood damage is often delayed. If a car goes much under water, insurance companies often automatically "total" it. Many times an unscrupulous person will get a flooded car started and sell it. Seems to run great. A week later, it is scrap metal. Used car buyers especially in the South need to beware after hurricanes. You need to show the insurance company that your problem is flood-related. Calling them right after the flood would have been good. Now try filing a warranty claim with Chrysler. They will likely say "we deny your warranty, as the engine was damaged by flood water." Get that in writing and present it to USAA.

First of all this is a brand new car with less then 20k miles, this car is fully insured and regardless if the car had to get towed or not, the car needs to be repaired and that is what USAA gets paid to do. Cant help the car got flooded, that is what insurance companies are for and that is why I pay USAA well.

USAA is not a warranty company. They insure your car against damage that you (If you carry comprehensive) or an uninsured motorist causes. They don't insure against mechanical breakdown. All they have is a vehicle with a blown engine that was in a "flood". Precisely when was this flood in Charleston? Was it anytime around a week ago when your husband's car stopped on him and USAA refused to pay for the tow? http://ripoffreport.com/reports/ripoff153808.htm In that report, you state that " I did inform the company rep, I would tell EVERYONE how USAA is nothing but a RIP- OFF."... Seems that's what you're doing, whether it's true or not. Please, find another insurer so that I get a bigger rebate check this December.