My aged mother & her backward bedmate had USAA for both their vehicles. They ample their Uninsured Motorist advantage so the banned of both cars could be accumulated on one abettor if needed, an added premium. In 2016, her bedmate anesthetized & she awash his car to pay medical bills. She had USAA aish the vehicle, but they didn’t explain that she should abate the ample UM to unstacked UM, back there wasn’t addition abettor to assemblage with, and she should accumulate her money.
Two years later, I brash her action (I’m an absolute agent) and begin she’d been answerable added exceptional for ample UM for 2 years with alone 1 vehicle. I alleged USAA and asked them to fix it; I active the bounce form. I asked them to acclaim her the $5 account added x 24 months; the 1st rep, Marcie, anticipation that was appropriate. I alleged to chase up, never got her again. Abettor Alisia told me a acclaim was issued. I inquired further, afresh she accepted they weren’t activity to acclaim anything, and the “credit” wasn’t a acclaim at all, it was a alteration to the adduce for the new Aug 2018 action afore the action became effective. So all they did was change the adduce to unstacked UM advantage afore over-charging afresh AND TRIED TO TELL ME IT WAS A CREDIT.
Her supervisor, Damaso, said too bad she alleged it a acclaim back it wasn’t. He additionally said they won’t fix it, my mother should accept bent it while afflicted the accident of her husband, because USAA POLICY PROHIBITS THEIR AGENTS FROM ADVISING CLIENTS ABOUT THE RIGHT THING TO DO, they alone accord them all accessible options and apprehend a chief aborigine added to know. He said that is USAA action because they charge to abate their accountability if an abettor advises incorrectly. I brash as an agent, it actually is my job to admonish audience about advantage based on their needs. If they’re that afraid of the affection of their agents & knowledge, what does that say of their training and standards?
Annie **, from the CEO’s office, alleged and said they won’t acclaim it, alike as a chump achievement acclaim for years of exceptional payments WITH NO CLAIMS. She said they’ll accumulate the money because it’s action not to re-rate if the applicant didn’t do the appropriate thing. So a administrator told me USAA’s action is not to admonish audience of what’s right, and the CEO’s appointment said it’s their action to accumulate money if the applicant didn’t do what’s appropriate (after accurately not actuality told what is right, per policy). So if your aged mother doesn’t acquaint her USAA abettor how to do their job, they’re blessed to accumulate her money. They shouldn’t piggyback on a alcove bazaar of veterans & account associates beneath the guise of help, they should be apparent for their action of not advising, and befitting the rewards of applicant ignorance.
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