USAA Med Pay is the WORST
USAA has all of these commercials where they brag about how well they take care of their insured, the men and women of the United States Armed Services. Pffffttt.
If you don’t know what Med Pay is, this won’t make any sense to you, so let’s start with that. In North Carolina, we’re what’s called a liability state when it comes to auto accidents. Each driver is legally required to carry liability insurance to cover the damages caused to others by the insured’s negligence. Your own automobile insurance doesn’t (generally) cover your bodily injury damages UNLESS you have what’s called Medical Payments coverage (Med Pay for short). That’s a tiny bit of coverage ($500, $1000, $2000, sometimes more, but rarely) of no-fault coverage that you pay extra for that will help reimburse you for auto-accident-related treatment costs regardless of whether the accident was your fault or not. Cool, huh?
Not so cool if your insurance carrier is USAA. I’ve represented dozens of USAA insured over the years and almost every time they play insurance games with Med Pay claims. With almost every other carrier (State Farm, Geico, Nationwide, Allstate, whatever…) if it’s their first party coverage (a claim for their own insured) they look at the bills and write a check, easy as that. But USAA almost always first denies the claim. They won’t say you don’t have coverage when you do, but they will say that the billing isn’t right (even if it is). What they clearly want is for you to give up so you can’t get the benefit that you’ve been paying extra for.
Don’t put up with that crap. And definitely don’t put up with that crap from a company that is advertising how well they take care of their insureds. If you’re having trouble withe your liability claim and your USAA Med Pay claim, give me a call at 919-929-2992 and see if I can help. I’d love to metaphorically slap them about the face and neck.
Trackback from your site.