USAA Increase in rates, and bank drafting CA Nationwide

Been like that since the Clinton years.....

There has to be more to this story - why would they raise rates mid-policy? 4 months advance notice for a renewal is kind of odd. Also, USAA prefers using email to contact; in fact that is how I get most if not all of my contact from them. It's very convenient.

USAA has this thing unlike Geico and several others that in order for you to have discounted rates, etc. is because you are the spouse of a service member. Unlike these other insurance companies, not just anyone can get insurance through USAA, only service members and their spouses or children.
According the USAA the following can become members.

* Children of USAA members.

* Active-duty officers and enlisted personnel.

* National Guard and Selected Reserve officers and enlisted personnel.

* Officer candidates in commissioning programs (Academy, ROTC, OCS/OTS).

* Former military personnel:

o Retired officers and enlisted personnel.

o Former officers and enlisted personnel who separated on or after 01/01/1996.

As an Ex- Spouse you do not retain the same rights that you had being the wife of a service member. If you were married for less than a period of 10 years, you would or will in the very near future lose your health care, commissary and BX rights, etc. If you have had children together, your children will keep their privileges until they are adults because he is their biological father and therefore responsible for them.

As far as USAA goes this means you now have the same rate as Joe Civilian.

As a former employee of USAA I can tell you, as long as she had an insurance policy, she is P&C eligible, meaning she has the same rights and can stay a member with all rights whether she's still married to a service member or not. I worked in banking though so I don't have information as far as insurance goes.

While you may have worked for USAA, you worked in banking. Are you or were you a military spouse? If not, they have a rule. It goes like this...All I was stating is that the reason that she now has had her rate go up ( and rival Geico does this as well) is because she is now the FORMER spouse of this sailor, that when she divorced ( and this is completely true of all branches of the military, and I work with them on base) she will lose all privileges that she had as a military wife.This includes breaks and discounts.

The only former spouses who have any military privileges otherwise entitled to an active duty military spouse is when:

The 20/20/15 rule is applied:

Married for 20 years or longer
Service Member served for 20 years, 15 of which were during the duration of the marriage (overlap)

This spouse is eligible for privileges for the period of one year after the divorce...as long as they don't remarry.

If the service member did not serve long enough to retire, or was not been married for longer than a minimum of ten years if they did, this now former spouse has no rights other than their health care is covered until their ID expires, after which a new one will not be issued.

If former spouses were married for less than 15 years, they will not be entitled to receive any military benefits after their divorce.

Ms. Squid goes back to being Ms. Civilian like everyone else.

I am a USAA member, both my father and my husband are service members. My dad was Navy and recently retired, and my husband is Army. So I do know how it works. the 20/20/15 rule does apply though, so you were correct on that. I hope she tells us how long they were married. And the only USAA insurance I have is my house insurance, because Nationwide gave me a better deal.

USAA has different stages of ratings. We have one for officers and NCO's. One for enlisted personnel. And one for children and ex-spouses. this is putting it simply anyway.

Now, we had to take you off of your ex-spouses account and move you onto your own under your own name for obvious reasons. When doing that, you get ran through our underwriting "engine" again. your rate probably increased from when you were on your ex-husbands policy because you lost discounts for multi vehicles and for multi drivers and what not. not to mention the change in your stage of rating. I can guarantee you that your previous insurance card simply says "United Services Automobile Association" at the top somewhere. where as NOW it still says USAA but it also includes something like "Casualty Insurance Company" also. Or possible "Garrison Insurance Company," Depending on the state you live in.

Remember how i made mention of our "underwriting engine" perviously? Well, back to that, the only time your rates would increase two months into your policy is if those engine results FINALLY came back from the Motor Vehicle Division and their was a new accident or ticket or what not else that you failed to mention when asked. plain and simple.

As far as drafting your account without your knowledge, I highly doubt that. Since our "underwriting engine" had decided you needed to pay 100% of the premium up front it 99.99% of the time will decide you must also set up automatic payments as well. And if that's the case YOU verbally went through a RECORDED authorization to withdrawl out of that account. Which by the way, would not have happened without a bill being sent out to you stating "hey your on automatic payments and we are taking $XX.XX on XX/XX/XXXX."

Did you even call us to find any of this out? or did you just decide to rant away here?