Yeah, that endless paperwork loop is the worst. I had a similar runaround with State Farm after a fender bender—kept getting bounced between adjusters, and every time it felt like starting over. I swear, they must count on people just getting tired and dropping it. The rental car thing is nerve-wracking too. I remember watching the coverage days run out while my car sat in the shop waiting for a part... not exactly stress-free.
I’ve heard USAA is supposed to be better, but honestly, my cousin had to chase them down for updates too. Maybe it’s just the nature of insurance claims? Either way, you’re right—pushing back is the only way to get anywhere. It’s a pain, but sometimes being persistent is the only thing that works.
Honestly, I’ve had that same “starting over” feeling with both companies. Last year, USAA was quick at first, but then radio silence for days. Persistence really is the name of the game—sometimes I felt like a full-time claims manager just to get my car back. It’s exhausting, but you’re not alone in that grind.
- Had a fender bender last fall, and honestly, State Farm dragged their feet too.
- I kept calling because my rates are already high—didn’t want to risk any mix-ups.
- Ended up out of pocket for a rental longer than I planned... not great for the budget.
- Both seem slow if you’re not constantly checking in.
Both seem slow if you’re not constantly checking in.
That’s been my experience too, honestly. I had a minor accident last year and went through USAA. I thought their reputation meant things would move faster, but I still had to follow up every few days or it felt like my claim just sat there. Maybe it’s just how insurance works now? I was super careful with paperwork and photos, but even then, the process dragged on longer than I expected. It’s stressful when you’re already worried about costs and your record...
Honestly, I’ve been through both USAA and State Farm over the years, and neither one is a breeze unless you’re on top of them. Here’s how I handle it now: first, I keep a running log—dates, who I talked to, what they said. Second, I don’t wait for them to call me. If I haven’t heard anything in 48 hours, I’m back on the phone or sending an email. Third, I get every promise in writing, even if it’s just a confirmation email.
I hear people say USAA is “the best,” but my last claim with them took almost three weeks just to get an adjuster out. State Farm wasn’t much better, but at least their local office let me drop by in person when things stalled. Maybe it’s just the industry now—too many claims, not enough staff. Either way, if you want things to move, you have to be a squeaky wheel. It’s a pain, but that’s what works for me.