on Dec. 10, 2013
Satisfaction Rating
As the great granddaughter, granddaughter, daughter and niece of a line of veterans, I must say that I am truly DISGUSTED with the treatment I have received from your organization. My 1-year-old Honda Civic LX was hit by one of your drivers, resulting in structural damage totaling over $8,000 (and a trip to the hospital emergency room for a concussion). These damages were repaired and Geico certified, but unfortunately now I am unable to sell the vehicle privately as Carfax is reporting this structural damage and there are no interested buyers.
AutoTrader offered me $5K and Carmax offered $7K, both claiming that the vehicle must be sold at auction as a result of the damages incurred. Kelley Blue Book lists my car at a value of $11K, yet I'm unable to get anything close to that from a potential buyer. To add to the situation, I still owe $9K on the vehicle, so I'm taking a significant loss by selling it (which I must as I moved to NYC).
Given this, I hired an independent appraiser who certified that my diminished value is over $3,600. Your company responded to this appraisal by offering me only $1,100, and has repeatedly refused to negotiate. I had to reject that offer since that would not even allow me to pay off my car. I bought a Honda Civic because of how well they hold their value. Now I'm in a position where I need to PAY someone to take this car off my hands, or continue to make monthly car payments that are several thousand dollars ABOVE what the car is actually worth.
After several months of back and forth with your company, I have gotten absolutely nowhere. I finally decided to simply accept the low ball offer and cut my losses, and now you're telling me that you'll no longer honor that, and will pay me NOTHING. Your new story is that the person who hit me did not have enough insurance to cover the full accident since it involved 4 vehicles. His maximum payment was only $25,000. Again, this is not my fault. My car was stopped in a traffic jam when your insured smashed into me from behind.
I'm unclear on why USAA would allow someone to have such low coverage, knowing that this is likely not enough in the event of a serious accident, which is exactly what their driver caused. Unfortunately the state of CT (where I lived at the time), does not allow underinsured personal property damage coverage, so I am 100% having to take a LOSS of several thousand dollars due to your insured.
Okay, you're in insurance company and this is how you operate. Fine, but I want the world to know that this is the type of treatment they give to the families of veterans in this country. Don't believe the BS they say about taking care of those that have served this country. They are only after their bottom line. I will never use USAA and I sincerely pray that I never have another encounter with one of your drivers.
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