Complaint Review: USAA - San Antonio Texas

It's in the policy "you must report any loss to us, regardless of fault." So when you tell them about it, they write up a loss report (claim) You say no claim was filed but they did file the claim because they need to determine whether you were at fault for the accident and whether you should be rated as a higher risk. I've worked for several insurance companies, your rates are determined by risk, which is determined in a large part by your driving record. I've never worked for this insurance company in particular, but what I see here is pinpoint accuracy. I see three at fault accidents. 1. "While driving down the road, I was forced into a curb by a motorist that made an illegal turn." Did this driver strike you? Or did you use your own hands to turn the wheel and strike the curb? I'm willing to bet that it's the latter in this case, therefore this is an at fault accident. Your course of action caused you to run off of the road and strike an object causing damage to your vehicle. Whether or not anything was paid on the claim is irrelevant. The fact that you failed to maintain control of your vehicle on the established roadway qualifies you as a higher risk. Had you damaged someone elses property, or injured someone, you would have been responsible. Next time, let the driver hit you, you won't be at fault. Yes, I know it sounds ridiculous, but it's the way it has to be. Some states have tried to implement legislation so that you cannot be charged with an at fault accident in cases like this. This results in what insurance adjusters like to call "phantom vehicle phenomenon" You should see it! In every loss report there's mention of this "White car that came out of nowhere and was gone!! He musta been drunk!" I for one, would love to meet the driver of said white car. If I ever do I'll be sure to let you know so you can give him a piece of your mind, as this loose cannon is surely responsible for your at fault accident. This legislation always fails, these are the same states that pass such ridiculous laws that they currently have about 3 or 4 insurance carriers who will even do business in them. 2. "This is a situation where a turn into a driveway was taken a little too closely and the result was a few scratches on the vehicle." Turn taken too closely? By whom? You? *ahem* Dear upstanding careful and courteous driving friend: Again you have demonstrated your inability to control your vehicle in such a way that it remains on the established roadway. This puts you at a higher risk. Yes, this time it was a few scratches, but I certainly don't want my kid standing beside the established roadway when you come barreling through. You're sitting on a two ton machine here! Do I need to tell you how much bodily injury and property damage you can cause if you cannot control it? Yes! You cancelled the claim and nothing was paid out. This is one of the factors that goes in to determining your rate adjustment. However, you still failed to control your vehicle and you still had a collision with an object which resulted in property damage. In the words of Willy Wonka, "You lose, sir! You lose!" 3. "My vehicle is parked while I am in a business. Sometime while inside, someone hits the parked vehicle." I SAW HIM!! He was in a white car and he came out of nowhere, he hit your car and 12 others and as quick as that he was gone!! I got his license plate it was registered in Margaritaville and it read "PHANTOM" Don't you worry, I'll get this phantom if it's the last thing I do. I'll hunt him down and stick gum in his hair. I'll nail him to the wall by his testicles. I'll gut him like a fish and I'll beat him to death with his own shoes. So help me, HIS OWN SHOES!! This culprit owes millions on similar accidents all over the country. 10 months without finding auto insurance you can afford? It's because you are the very definition of a prime risk. I wouldn't insure you in a wheelchair for $700. But what I really want to know is, have you been driving without insurance for 10 months? Did you know the longer you drive uninsured the more your quotes will rise because this also puts you at a higher risk? The people who will insure you at this point are not standard companies, they only insure drivers with blemishes. Depending on where you live, $700 a month isn't that bad for someone with 3 at fault accidents. They roll off after 3 years. Be careful, you can do a lot more than damage your vehicle next time. Perhaps you should enroll in a driving course, or may I suggest purchasing a smaller vehicle? How about a moped? ** " buzzzzZZzzzzzzz " **