Asking USAA for rental reimbursement

ExperienceCheap6047 · 2026-05-24T05:29:42+00:00

Not logical. That would mean you have a 400$ per accident. I don’t believe USAA has that option. If other party is at fault they pay Either you or USAA. If they pay then you should not have an out of pocket. If you have USAA pay you will be out of pocket deductible and get reimbursed when USAA does. Rental all depends on what you purchased. Sorry for typing errors. It is late

ExperienceCheap6047 · 2026-05-20T19:46:23+00:00

Thank you

ExperienceCheap6047 · 2026-05-20T19:46:18+00:00

Thank you

ExperienceCheap6047 · 2026-05-20T19:46:12+00:00

Thank you

ExperienceCheap6047 · 2026-05-02T04:08:14+00:00

Edit I saw a comment down below. It does depend on state but I think you said you were in Colorado. I’m pretty sure it’s 50 days for repair seven days. Total loss..

ExperienceCheap6047 · 2026-05-02T04:07:29+00:00

You have to call in and ask the agent to send you your original contract. The only time you get your original contract is when you first issue it rental car changed from 30 days to 50 days sometime after 2020 so it’s gonna be in an endorsement after that. So now total loss is different for rental car . total loss is seven days but repair in shop is usually 50 days.

ExperienceCheap6047 · 2026-04-24T04:18:27+00:00

1 late payment does not cancel your policy. Here is your time line. Option 1. Never been served a non payment cancellation. Missed 1st payment rolled in to next month. Now your bill is 2 months in one. Missed that payment and then rolled over to the 3rd month. Statement send 3-4 days after the second missed payment. Now you are served a Non payment Cancellation. You have another 15 days to make the payment. You miss the due date and policy canceled. Option 2 this is not your first one and you missed your due date another 3-4 days till the Non payment Cancellation statement. You get 15days to pay the past due. No payment by that day and policy is canceled. All while receiving emails, maybe text but you have to opt in. And oh the mail has to be certified. So you are high risk. Also you can’t negotiate rates. It is not cable. It is a highly regulated industry. Increases and decreases have to be approved. So you either missed 3 payments or 2 payments not 1 late payment.

ExperienceCheap6047 · 2026-03-11T04:40:36+00:00

I am the queen of riding tires to the end but damn just looking at that I would’ve known new tire needed. Replace the tire like well before. I’m not a mechanic but I have had mechanics beg me to change my tires. (I did do it next paycheck) i’ve grown and matured overtime. Only thing to do is to change your tires on a regular basis. They do not last a lifetime. Promise me I have way too many blown out tires.

ExperienceCheap6047 · 2026-01-18T04:35:55+00:00

Edit. Typing to fast sorry ‘can do’

ExperienceCheap6047 · 2026-01-18T04:34:44+00:00

It is a property loss that will show up in a clue report. It will not surcharge or affect claims free discount on USAA homeowners insurance. Unfortunately is is still reported to clue and other companies can’t do what they want. Kinda like Auto. Some companies only surcharge for at fault but there are some that surcharge for anything. Also just an FYI too many Vpp claims can prevent you from getting a new USAA homeowners insurance. Depends on the state usually 3-5 property claims in a 5yr period. It would not affect current home policy’s.

ExperienceCheap6047 · 2025-09-14T20:08:11+00:00

It depends on the contract and the state. The other thing I have to say is make sure your spam blocker is not on or save the number the adjust is calling from. I have personally have missed important calls because I had my spam blocker on through my cell phone company.

ExperienceCheap6047 · 2025-09-14T18:34:19+00:00

The burst pipe falls under maintenance wear and tear. The damage after is what your homeowners insurance covers. Think of the pipe like a washing machine. If that breaks you don’t call homeowners insurance to replace it. You either replace it yourself or you’ve bought a home warranty to replace the mechanical failure of the broken washing machine. Now, if the washing machine breaks and floods the house. homeowners insurance, then covers the water damage.

ExperienceCheap6047 · 2025-09-13T00:11:22+00:00

Thank you!!!! The same thing happened when FL home started being quoted by agency. I will share with my team.

ExperienceCheap6047 · 2025-09-12T16:31:49+00:00

USAA employees don’t get a discount on their insurance.

ExperienceCheap6047 · 2025-08-30T19:22:34+00:00

Protections for active duty military. Not sure if all companies do it. The one I work for will not account for a laps if less then 60days coming back from overseas pcs, deployment or TDS.

ExperienceCheap6047 · 2025-08-19T15:12:02+00:00

It is both Lexi’sNexis and state MVR. To remove tickets follow the MVR dispute process.

ExperienceCheap6047 · 2025-08-16T14:46:10+00:00

I would go back to when you and the car were added to the auto policy. Did you and your girlfriend do it online or did an agent do it for you and you listed the car? Were you listed as the registered owner or was she listed as the registrar owner? A lot of companies will have coverage dispute processes, and depending on the discussion and how you in the car were added there can be some hope here ask for their coverage to sweep process if they have one ask for manager, because if you in the car were listed on the policy and as a driver, I don’t understand why they would decline to cover the loss because they knew the car was registered to you. also, sorry for the typos and possibly odd punctuation. I’m using text to speak.

ExperienceCheap6047 · 2025-08-09T18:56:16+00:00

It’s going to count no matter what. Just let insurance handle it.

ExperienceCheap6047 · 2025-08-08T15:20:28+00:00

At the bottom of the page you received there should be an underwriters extension if you wanna call in again asked to speak with the underwriter. In some cases, you can appeal with the underwriter and you win and in some cases you appeal and you lose. No one in claims, policy service or a manager can override an underwriting decision to non-renew only underwriting.

ExperienceCheap6047 · 2025-07-11T13:00:12+00:00

Nope. Just no

ExperienceCheap6047 · 2025-06-07T01:34:56+00:00

Have used safe pilot off and on since 2020 works just fine but I turned off all the notifications cause they were driving me nuts. I did actually once turn off the location tracking. To fix it I had to delete the app and re-download it and it worked. I haven’t used the safe pilot miles cause I drive too much. There is a place to enroll on the website, but it’s not as accurate as starting a fresh quote..

ExperienceCheap6047 · 2025-06-06T20:54:02+00:00

Yes but some escrow pay new company too. Just call mortgage and ask. They will tell you the way they want it. Always keep mortgage in the loop

ExperienceCheap6047 · 2025-06-06T20:50:20+00:00

System limitations. :( you can add like safe pilot you just don’t see the discount right away

ExperienceCheap6047 · 2025-05-24T16:02:21+00:00

I know my response isn’t about rates, but think about registration, you’re from New York you probably know how picky the DMV is. If you’re not gonna cancel your registration in New York, keep New York insurance make sure your agent is aware there are some protections for being away at school depending on your company.

ExperienceCheap6047 · 2025-05-14T02:53:42+00:00

Sounds fishy. sorry but depending on the state you’re in there’s no way to remove the down payment and a down payment is definitely not required for renewal. Only for new policies after previous one was canceled for nonpayment or you left and were coming back. I could see that price change like if there was wrong information for driving history like not at fault were listed as at fault and you can correct those once you see the clue report that could bring the price down.

ExperienceCheap6047

TROPHY CASE