Personal Finance

We had been with USAA for four years for all our insurance needs — home, life, auto, umbrella — and we appreciated the service and the competitive rates we received.

But the ultimate test of an auto insurer is how (and whether) they handle claims, and what they do with you after the claims.

In May 2008, my wife was involved in an at-fault accident. She was stopped facing downhill and her foot slipped off the brake. Her car went into the intersection and collided with a motorcyclist.