This seems like pedantry on the USAA part. They should add some small fraction of a point to your rate and move on.
I understand you probably get extra benefits with USAA but this would be an automatic disqualification for me and I’d move kn to a different servicer. However, that is _painful_ in the middle of a closing.
Truth be told - we’re looking at ditching them but with banking, home, and auto we are likely stuck with them for the fact of inertia.
Our mortgage was immediately sold to another firm, so there’s no nicety on the part of having a consistent firm there. The process was painful, our processor was impossible to get in touch with, often a 48 hour lag for a reply.
Shortly before moving I was side-swiped by a man suffering a medical incident (diabetic coma after a blood draw) while at a red light. Our premium increased due to “driver history” a month later.
I’ve previously worked directly with USAA staff for due diligence when selling software / services to their firm and they are absolutely on the ball on that front. However, their actual software as an end-user is a hassle, e.g. password rules and UX that look about 25 years old at this point and suggest some languishing old mainframe.
If you are in CA statewide it is illegal to increase your rates for a not at fault crash.
In most other states insurers will increase your rate even if you are not at fault and you only made a claim with the at fault party or your insurer is successful subrogating
If you have Costco membership I highly suggest switching to them for all of your insurance needs, IF they have that service available in your area.
I’m in the Midwest and I pull quotes every 3 years, and Costco has always been a few hundred cheaper than the other cats with the same or better coverage.
Banking should be a credit union unless you require some weird need from USAA.
To be honest, I never bought into the USAA hype, their marketing is strong but their “benefits” aren’t anything more than what’s found at competing banks. Credit unions provide better services and benefits to their customers anyhow.
They are fantastic for banking and insurance but there's no particular reason to get your mortgage from them. When I looked their rates weren't any better.
I understand you probably get extra benefits with USAA but this would be an automatic disqualification for me and I’d move kn to a different servicer. However, that is _painful_ in the middle of a closing.