“Be so good they can’t ignore you” – Steve Martin
I don’t like insurance companies. They are in the business of taking your money, then denying claims. This is true for all insurance types: health, home, and auto. Even life insurance expires once you reach a certain age. Basically insurance companies are in business to make money, not to protect you. Except one: USAA. USAA has created a reputation for itself where its members (including me) are fiercely loyal. How did they do that? Let me give you 2 of my personal experiences.
- I was driving my father-in-law’s Cadillac. I pulled into a gas station and drive around the cars that were parked at the pumps. As I was doing this, the person parked at the pump pulled out and side-swiped my car, causing a couple thousand dollars worth of damage. As this was private property, not a public road, we exchanged drivers license numbers. He admitted he was at fault, and gave me his insurance information. At first his insurance company agreed to pay, but then this guy changed his story and they denied the claim. My insurance company USAA, stepped in, paid the claim without hesitation, then negotiated with his company after the fact.
- Another time involved hail damage to the roof of my house. My previous insurance company denied my hail claims 3 times! I finally had enough and when USAA started handling home owners insurance, I jumped on board. the next time we had a hail storm, I submitted a claim to them. Even though much of the hail damage was old (because of the previous insurance company), USAA replaced my entire roof.
In both of the cases above, USAA did NOT raise my rates. They merely sent me a note thanking me for being a long time customer. I have to say, that they are so good, they can’t be ignored.
Now let me tell you about Vail Resorts. When it comes to being so good they can’t ignore you, Vail is […]