Military Personnel File Class Action Against USAA Insurance Companies

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Portland, OR: A federal bad faith insurance class action lawsuit has been filed against USAA insurance and others, by military families who allege they have been cheated out of medical treatment for injuries related to auto-accidents.

Four plaintiffs, all women, who filed the suit, claim that say USAA Casualty Insurance or one of its clones refused to pay legitimate claims for medical expenses after they had suffered automobile accidents. The named defendants are USAA Casualty Insurance Co., United Services Automobile Association, USAA General Indemnity Co., USAA County Mutual Insurance Corp., Garrison Property and Casualty Insurance, Auto Injury Solutions Inc. and chiropractors Clark Wolf III and Ross Hart.

The suit includes claims that the plaintiffs, including Margaret Soukup who is currently on active duty, were "induced into" hiring USAA as their primary insurer for themselves and their families. "USAA touted its commitment to servicing military families and advertised the 'exclusive privileges of its auto insurance,' noting that, 'For those who stood tall for this country and for their families, we stand ready to return the favor,'" the complaint states.

Soukup alleges that following a rear-end collision in which she was injured, and subsequently submitted a claim for personal injuries, USAA referred her claim to Auto Injury Solutions (AIS), without her knowledge, which put together "sham file reviews" that USAA uses to "uniformly conclude that medical treatment was not needed."

Brittney Bathurst, who was nearly killed in a collision, makes similar claims, alleging that a sham file was created and that the signature on the file review was "an 'electronic' signature;" that "the report states in no uncertain terms that 'A Physician Review has been completed;'" and that that statement "is absolutely false."

Another of the plaintiffs, Amber DeMerritt, claims that following an accident in Oregon, USAA and AIS created "at least four sham file review reports, purportedly created by a George D. Sage, a chiropractor in Decatur, Georgia."

And the fourth plaintiff, Samantha Jones, says the defendants created "nine sham file reviews" and used them to deny her coverage.

They seek punitive damages for the class, for breach of contract, breach of faith, and violations of insurance laws and regulations.

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Reader Comments

Posted by
Joyce Floyd
My husband and I have had USAA 15 year term life insurance policy for 17 years never missed a payment. At the 17th year (2017) USAA increased our policy premiums on my husband double the amount originally paid. He had $500,000, which USAA decreased to $387,000 on his 70th birthday, my husband died 15 days after his birthday, USAA paid the decreased amount. Now they have decreased my value from to 1,099,000 not once but twice when I turned 66 they decreased to 827,000 now they decreased it $537,000, they increased my payment again also.
By time I'm 70 the policy will have a value of less than $300,000 and they still increased,the payment. I have no medical issues or illness. Yet they think it's okay to take my money and not pay full value at death.

Posted by
jim lewis

Posted by
Tom Thornburg
I'm a disabled Veteran and USAA is my insurance company. I was broadsided by another driver and USAA shorted my Replacement Value of my Lincoln Town Car by 25%. They said it was customary and I could buy an additional 20% added on to any future appraisals for an additional fee.

Then as I had existing combat injuries and one severe spinal injury from 2011 due to VA incompetence my doctor ordered a set of MRI's.

USAA refused to pay for them saying "their doctor said they were unnecessary"... They didn't even send the bills to the other insurance company. When I posted a complaint on their facebook page they called me.

They admitted they didn't want to pay for the MRI and that the other Insurance Company was really the one responsible. I should file a Demand Letter with Star Casualty Insurance.

I had an attorney because I was injured or more accurately my older injuries were severely aggravated. When USAA said the MRI's were unnecessary my attorney said "if your own insurance company abandons you...what can we expect a jury to think...and they dropped the case.

Basically USAA screwed me over all the way around. I have 4 vehicles insured and my house insured with USAA. I am OVER INSURED even if the other driver wasn't at fault my insurance should have covered everything. The other driver was issued an AT FAULT TICKET at the scene.

USAA is a very dishonest company and all that "we care about Veterans" that's all crap, they will screw over a veteran in a heartbeat. They admitted to me that they just didn't want to pay for the MRI ... So I have to go after the at fault insured insurance company.

Your not really insured if your have USAA

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