ziggy29
Moderator Emeritus
Live and learn, sure. But it sucks that they initiated something which had the consequences I was very adamant about not wanting. I thought USAA was a little more ethical than that, but in the end they are obviously still an insurance company. At minimum I'll bark up the tree and perhaps move all my banking (including most of my emergency fund) to Schwab which has similar deals for the most part if even the higher levels refuse to lift a finger to make this right. I already have a Schwab checking account linked to brokerage; no biggie.Don't lose any sleep over it... very unlikely they will increase your rates for that incident.
But I do agree... do not contact them unless you intend to file a claim.
I don't think this will impact my rates by itself. I don't even think this would impact my ability to get insurance if I went elsewhere and they pulled up the report. The main point is that with this one in the database already, the loss threshold at which I'd file a claim for a future significant event just went up a lot. If I file another claim in the next couple years, I might be faced with much higher rates -- or worse, a nearly unsellable home.
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