Before I had children I was a casualty adjuster who worked for a very large insurance carrier where high quality customer service set us apart from the rest -- all but USAA. They reigned supreme, but had a limited market.
I had two accidents with a vehicle in the span of less than one year (neither my fault) and both claims were handled horrendously - from appraisal, to rental to subrogation. I was more than appalled.
They aren't deserving of praise anymore IMO.
On a PCS move from Ft Lewis Wa to Ft Monroe Va, I arrive about 9 in the eve Sat night, I have been driving for 24 hr straight. I cannot find a place to stay EVERYTHING is booked, I go from motel to motel, finally I asked what the hell is going on? Grateful Dead Concert. I finally hit a place around 11 pm and he tells me to come back in 30 min, he has a late check in that should arrive any moment...I come back, they did not arrive and I get a room for about $100 bucks in the Empty Arms Notel. I walk up tot he room with my brief case go in, set on the bed and fall asleep. I wake up about 1hr later due to numb legs and head down to the car....THERE IS NO CAR!
I have all my military uniforms, guns, civy clothes etc etc in the Jeep SUV. I now only haver my brief case with orders in it.
To make it worse, I am checking in Monday am and leaving TDY that afternoon for a week.
USAA was there, rental car, covered all my contents on just a 'well this is what I had'.
Jeep is found 3 weeks later after a run down to Miami to pick up a load of drugs and come back...I had written down my mileage when I arrived to see how long my trip was and when the found the Jeep which had been completely stripped the police asked if I knew my mileage and I said yes, we check and there was a diff of about 2400 miles. Cop looked and 'drug run to Miami', they tested it for drugs then and found residue.
I put the Jeep in the local Jeep dealer and they begin to rebuild the Jeep, only they wanted to put USED parts on it and parts the Jeep did not come with as in base model parts. I bought it new and the window sticker. They lied to USAA claiming it was a base model and not the very top of the line. I sent USAA the window sticker and they pulled it out and placed it in another dealer.
I get it and its exactly correct, this is sometime in May. In January I finally have some time off and drive down to the beach, put it in 4x4 and it does not work...I had never bothered to even try 4x4. I call USAA, tell them I did not check, should have but did not and no one at the dealer checked either in spite of saying they had. They cost an additional $2300 bucks of which USAA paid it all.
LOL I get it out the shop and about 2 weeks later we have an ice storm, my next door neighbors tree snaps and falls over on my Jeep crushing it. USAA is gonna fix (yea threw me too). They cut the entire top of the car off and weld on a new one. USAA send me a check for $3500 bucks, I decide to sell it and I get $10k for it + the $3500, I paid $16k for it and it now has 139,000 miles, Its an '85 and its Jan of '87... It was a great Jeep...
At every point USAA went above and beyond, that is the only service I have ever had with them, above and beyond. I have had my home broken into and cleaned out, USAA never balked on paying me for everything I listed and the house was stripped, even took the meat out of the freezer...