[Haggar]

Originally Posted by jacqueline larsen

Average

I too had USAA for auto, Went to Progessive - saved 40% for the same coverage.

[keepsake]

As life goes on around us, many a time we pay for duplicate coverage. And no agent would tell you or us ... they want the commission.

[spatterson529]

Originally Posted by Softball77

I've been with USAA for 60 years and they do have good coverage and I do get discounts. However the last renewal went up almost 20 percent. Is it time to shop, or is this universal? $2800 a year sounds like too much.

I was with USAA for 35 years. Switched to Allstate and now paying less than half of what I was paying. Loyalty no longer matters.

[retiredguy123]

Originally Posted by spatterson529

I was with USAA for 35 years. Switched to Allstate and now paying less than half of what I was paying. Loyalty no longer matters.

I agree. A year ago, I switched my auto insurance from Allstate (after 27 years) to State Farm, and my premium was reduced to half of what I was paying Allstate. Go figure.

[chuck.grospitch@gmail.com]

Originally Posted by Softball77

I've been with USAA for 60 years and they do have good coverage and I do get discounts. However the last renewal went up almost 20 percent. Is it time to shop, or is this universal? $2800 a year sounds like too much.

We were with State Farm for 46 years, no accidents, no tickets, single 5 year old car, last year they raised our annual renewal 25% . I questioned it and basically too bad, so sad, nothing we can do.
Switched to Progressive at a 13% increase was the best I could do.

[villagetinker]

Originally Posted by retiredguy123

The uninsured motorist insurance may pay for some of your medical bills. But, since I have excellent medical insurance, I consider it to be redundant. I would mostly be paying for insurance that I already have.

Be careful, the last couple of times I was in the ER, the forms asked if this was due to an accident, my understanding this has a major effect on YOUR insurance coverage.

[retiredguy123]

Originally Posted by villagetinker

Be careful, the last couple of times I was in the ER, the forms asked if this was due to an accident, my understanding this has a major effect on YOUR insurance coverage.

As I understand it, the next question would be "do you have uninsured motorist insurance?" If you say yes, then they need to use it. But, if you say no, they will bill your regular insurance or Medicare. It has no effect on your insurance coverage or treatment. I think you are better off by not having uninsured motorist insurance because, if you do, you are required to use your auto insurance to pay for your medical bills. I don't want to depend on my auto insurance to pay my medical bills. I don't think Medicare is allowed to pay medical bills if you are already covered by uninsured motorist insurance in an accident. That is why they ask the question.

[ithos]

Most people who here who have USAA insurance have been with them for years have thousands of dollars in their subscriber savings account. If you cancel your insurance with them, then after 6 months they will send you the balance.

Once you receive the check you can always sign up again. I got one for over 6k. If you had auto and car it will be much larger.

[Tblue]

I am also a USAA member, 44 years. I want to offer up a possibility of why their rates have increased do much. About a month ago I visited the USAA web site and learned they recently hired a DEI director, a VP position. I look a little more on their web site and see all the organizations they support. I have no idea what they are paying the VP of DEI, or what does it require to maintain a DEI division within USAA. In my opinion USAA see’s the need to go down the DEI road? Simple put, I want the most qualified person in each position at USAA. It appears USAA is backing away for the best qualified person in each job. As a member owned business I feel their DEI position is going to cost members, and maybe the increase in rates is part of what’s going on. Please take a little time to search USAA and their DEI support to see I am not making this up. Again very simple, just hire the best qualified into each position.

[Bradzoo]

Was also with USAA for over 30 years. Moving here from Ohio /pa area, the rates went way up. Same coverage auto, 2 cars $1200 with progressive which was way less than USAA offered to transfer my coverage to Florida. Shopped with them to also do home insurance but they were too high-even before the hurricane. Sad to leave them but I also experienced less than optimal customer service for which I had come to expect..

[bimmertl]

Originally Posted by retiredguy123

As I understand it, the next question would be "do you have uninsured motorist insurance?" If you say yes, then they need to use it. But, if you say no, they will bill your regular insurance or Medicare. It has no effect on your insurance coverage or treatment. I think you are better off by not having uninsured motorist insurance because, if you do, you are required to use your auto insurance to pay for your medical bills. I don't want to depend on my auto insurance to pay my medical bills. I don't think Medicare is allowed to pay medical bills if you are already covered by uninsured motorist insurance in an accident. That is why they ask the question.

Your understanding is completely wrong. In Florida you must buy 10K in PIP coverage. That covers medical bills. So a med provider needs to know if you have auto insurance and then they'll know you have primary medical coverage with Florida's personal injury coverage "PIP" It pays before Medicare and regular health insurance. The mandatory PIP minimum limits are 10K so the first 10K in medical bills is paid by PIP.

It's absurd to think a med provider will be able to make some decision if in fact another driver or person is uninsured, and at fault, at the time of treatment, so UM applies. In addition, UM is not a primary or secondary med coverage provider. The med provider has no recourse to bill UM coverage for payment of any bills.

UM coverage is a first party contractual coverage that benefits only the insured. No med provider has any right to claim it's coverage benefits as a third party since they aren't an insured under the policy. Their claim for reimbursement of bills paid would be against the uninsured motorist.

[retiredguy123]

Originally Posted by bimmertl

Your understanding is completely wrong. In Florida you must buy 10K in PIP coverage. That covers medical bills. So a med provider needs to know if you have auto insurance and then they'll know you have primary medical coverage with Florida's personal injury coverage "PIP" It pays before Medicare and regular health insurance. The mandatory PIP minimum limits are 10K so the first 10K in medical bills is paid by PIP.

It's absurd to think a med provider will be able to make some decision if in fact another driver or person is uninsured, and at fault, at the time of treatment, so UM applies. In addition, UM is not a primary or secondary med coverage provider. The med provider has no recourse to bill UM coverage for payment of any bills.

UM coverage is a first party contractual coverage that benefits only the insured. No med provider has any right to claim it's coverage benefits as a third party since they aren't an insured under the policy. Their claim for reimbursement of bills paid would be against the uninsured motorist.

I admit that I am not an expert on how UM insurance works when someone is injured in an accident with respect to medical bills. But, I don't understand your second two paragraphs. I assume that someone with UM insurance that covers medical bills would have their UM insurance limit reduced by the amount of those payments. But, I don't have any UM insurance and I don't want it. I have excellent medical insurance and that is all that I need to cover my medical bills. Why would I want to depend on my auto insurance company to pay for medical bills when I am already covered for that? It is totally redundant with my medical insurance. The only other reasons for UM insurance would be for lost wages and pain and suffering. I don't have any wages to lose, and I am certainly not going to pay an annual premium to cover the unlikely need for a pain and suffering lawsuit, where the lawyer would skim off 40 percent or more of any settlement. Most people who have UM insurance have a limit of $100K per person which is not enough to fund a pain and suffering settlement after deducting any medical bills and lawyer fees. Most lawyers would not even take the case for that amount. In my opinion, if you are retired and have good medical insurance, you should seriously evaluate the need for UM insurance. The fact is that most people do not even know what their UM insurance covers.

[bimmertl]

Originally Posted by retiredguy123

I admit that I am not an expert on how UM insurance works when someone is injured in an accident with respect to medical bills. But, I don't understand your second two paragraphs. I assume that someone with UM insurance that covers medical bills would have their UM insurance limit reduced by the amount of those payments. But, I don't have any UM insurance and I don't want it. I have excellent medical insurance and that is all that I need to cover my medical bills. Why would I want to depend on my auto insurance company to pay for medical bills when I am already covered for that? It is totally redundant with my medical insurance. The only other reasons for UM insurance would be for lost wages and pain and suffering. I don't have any wages to lose, and I am certainly not going to pay an annual premium to cover the unlikely need for a pain and suffering lawsuit, where the lawyer would skim off 40 percent or more of any settlement. Most people who have UM insurance have a limit of $100K per person which is not enough to fund a pain and suffering settlement after deducting any medical bills and lawyer fees. Most lawyers would not even take the case for that amount. In my opinion, if you are retired and have good medical insurance, you should seriously evaluate the need for UM insurance. The fact is that most people do not even know what their UM insurance covers.

Your posts are proof of your last sentence.

[retiredguy123]

Originally Posted by bimmertl

Your posts are proof of your last sentence.

So, can I assume that you have uninsured motorist insurance? If so, what is your coverage amount and premium?

[bcsnave]

Originally Posted by Tblue

I am also a USAA member, 44 years. I want to offer up a possibility of why their rates have increased do much. About a month ago I visited the USAA web site and learned they recently hired a DEI director, a VP position. I look a little more on their web site and see all the organizations they support. I have no idea what they are paying the VP of DEI, or what does it require to maintain a DEI division within USAA. In my opinion USAA see’s the need to go down the DEI road? Simple put, I want the most qualified person in each position at USAA. It appears USAA is backing away for the best qualified person in each job. As a member owned business I feel their DEI position is going to cost members, and maybe the increase in rates is part of what’s going on. Please take a little time to search USAA and their DEI support to see I am not making this up. Again very simple, just hire the best qualified into each position.