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USAA review: Auto insurance

J
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1:38 pm EDT
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On April 14th, I was in an auto accident near Woodbridge, VA where I was rear ended. My car was towed to a Caliber Collision by Mid-Atlantic Towing Company where it was taken to Caliber Collision in Dumfries, VA and repaired. I picked up the car and drove it for a period of time. I started hearing a grinding noise and thought that the vehicle had issues, so I took it into Caliber Collision of Frederick, and they noted that there was a transfer case error and took it to BMW of Rockville on July 10th. I called USAA and they approved a rental car and diagnostic testing. BMW stated that the error message was recorded while the vehicle's engine was not running, and the wheels were turned indicating that it happened during a tow. USAA completed their investigation and said that I drove the vehicle 6700 miles since the time of accident and that the vehicle was towed on a flatbed according to the towing company. I explained to my agent that it was a tow truck and I that had a witness who licked me up from the scene and he said, "sorry there is nothing we can do." I told him that it sounded like the towing company was covering their own but he would not talk any further.

Meanwhile due to the length of time it took USAA to complete an investigation and even when shown hard evidence that SHOWED the time/date stamp of the error message and that it occurred when the vehicle's wheels were turning and the engine was off, (hello tow truck) they denied any coverage. So, I am here as an active-duty service member and a single mom, paying over 3,000 a month in rental car fees and vehicle payments when I have a brand-new car. Oh, and don't expect phone calls back to let you know when your rental coverage is up. They won't call you back. AVOID THIS COMPANY. I have filed complaints with the state Attorney General's Office, NAIC and will continue until they fix this situation.

Desired outcome: I want my brand new 2023 BMW fixed. It was towed and was related to the accident!

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