EDIT: Original Post https://www.reddit.com/r/Insurance/comments/1eshfdo/usaa_says_i_am_not_covered_in_an_accident_because/ Thanks u/TheOtherPete
Ok so after about a week of hell and lost sleep this is finally over.
So I spoke with 2 supervisors who continued to back up this horrid logic. So I lawyered up personally and my work provided a lawyer as well. I spoke with both and found out that this was all odd and BS. Nothing in USAA's policy implies business use is an issue. As well I am indeed covered if it was business use. But that was not the case.
My lawyer would act if USAA moved forward with the bad verdict (ie. once there were "Damages" not their words BTW). And Work's Lawyer would act pending my conversation with another manager.
Anyways They pushed me to escalate again as it seemed so simple to them I only needed someone with a level head. And that was all I needed. I spoke to yet another manager and the issue was fixed in minutes.
They apologized for the confusion. Assigned a new adjuster. And I had a letter saying everything was covered minutes later.
Drama over.
UPDATE – USAA says I am not covered in an accident because I was driving to work and Driving to work = Business use.
byu/CafeTeo inInsurance
Posted by CafeTeo
9 Comments
[deleted]
Was there something unusual about your case or your policy that triggered this or did your claim just get assigned to people with no idea what they were doing? When I read your first post their behavior was so strange I was shocked.
If you were using your car to do business without commercial plates or using a company car, there’s nothing to fight unless you were in your car going to work (but not to an offsite location), and your state law has exceptions
New York, driving to and from work is generally not considered part of your job and is not covered by workers’ compensation. However, there are some exceptions:
Traveling employees rule
If you’re traveling for work, such as going to a business site or attending a conference, your employer may be liable for the entire trip.
Employer-provided transportation
If you’re using a company car for work, such as to drive to a company party, your employer may be liable for any injuries that occur
This is my state. See what your state law says
I think you need to know if that Adjustor was fired or not, you shouldn’t let them get away with this.
As someone who has had to respond a number of ridiculous DOI complaints and 1 or 2 reasonable DOI complaints, I would file a DOI complaint over this. Other customers may have been unfairly impacted in this same manner and the carrier shouldn’t be allowed to deny claims just because the policyholder has less means of escalating as OP did.
Shockingly, there isn’t near enough information for anyone to intelligently respond. But I guess, congrats?
Incredible that USAA tried to pull this crap. Seems that you should be reporting this to a state oversight agency.
I’m curious. Did you ever use the words “I am a commuter” and was “commuting” to work? Instead of “driving for/to work”.
And did you ever ask that “Just to be sure, commuting to work is NOT covered by my policy?”
Because if you used “commuting” in any sense and they said it was not covered I would light a fire under USAA across all official regulatory and social media channels for being stupid to the point of incompetence.
This is an old post