23 years with USAA and now I’m done.

I’ve been paying for car insurance with USAA for 23 years. Never once filed a claim for other than a windshield chip/replace. A very old man who probably shouldn’t drive anymore T bones me and totals my truck. He had Nationwide who called me to accept fault and I trusted USAA would act on my behalf to get a dollar amount to replace the truck I lost due to Nationwide’s admitted fault. Not the case. As with other posts here USAA adjuster used CCC for me to low ball me and set a deadline for rental car expiration at 7 days from first offer. USAA adjuster gave me a take it or leave it offer, recommended that since I wasn’t satisfied with a CCC one report riddled with errors and shady math I can go file through Nationwide. This is how I get treated after paying them for 23 years enough money to buy 4 new vehicles! I even tried escalating this case to higher supervision who ghosted my voice mails and massages. I have no choice now but to get a cash car and pay an attorney for advice on steps to get made whole again. I’m sending the transcripts I have along with CCC one report and pictures of my vehicle pre-crash to the class action suit firm in CA with hopes it may help them prove how USAA and CCC one are clandestinely profiteering off of victims with low ball numbers and software designed to defraud countless people with shady numbers games and black market “comps” driving value down. I hope they win and drive USAA out of business.

UPDATE After a month of back and forth I got CCC one backed in a corner using their own report which showed inconsistency among values and comparable vehicles. Some of the “comps” they used had no advertisements or sales records to indicate they weren’t fictitious (good ole proprietary software).

Long story short, I was able to resolve my issues and USAA was actually helpful once CCC one was called onto the carpet. If I hadn’t of had the means to operate without a rental or this vehicle for the time needed I’d have taken a poor offer due to the pressure from life’s usual demands. I’m grateful that I had the means to afford to argue beyond the first week. I realize not everyone can or will fight this long but I would advise you to if you know that you are being shorted 10-20% or worse. I personally fought this without an attorney or specialist which might not work for everyone but did for me. Only you know if you have the time and energy to spend the hours researching and questioning to get USAA and CCC one backed into a corner enough to get them to change course.

I very much appreciate everyone who commented and provided wisdom or experience, I even appreciate the troll comments from some people! Good luck out there on the roads and on the phone with insurance companies whom you pay to help you not fleece you!