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Everything USAA has been awesome save one very, very big thing that still infuriates me. They made some change to policy or some such that I had to confirm where we insure our rental property (formerly our house). Whereas USAA calls or Emails or gives alert notifications for even the most banal things, for this they apparently sent a letter to my old address. I had set up mail forwarding through the apartment I was in and USPS, but my old apt complex is kinda lax about bothering with that poo poo. As a result, my rental property went uninsured for something like 2 months(!), meaning I was in violation of my mortgage agreement and liable for the entire loving thing if the house had burned down or otherwise been destroyed. This wasn't immediately obvious for something that's been going smooth for years on end at a small expense. How'd I find out? They called my wife to ask why we'd chosen to stop insuring through USAA in a solicitation call. Ceasing to insure a goddamned home because you didn't get a letter back saying "yes, I agree to your new terms and conditions" without so much as a phone call or Email is pretty loving lovely. Not only could I have been on the hook for paying for the home outright, which would have sucked a LOT, but if I were found liable for, say, faulty wiring killing a renter or something like that, it could've been enough to bankrupt me for approximately forever.
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Apr 30, 2017 19:39
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I'm sure all the good stories about USAA could be told about every other insurance company and all the bad stories about USAA could be told about every other insurance company.
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Apr 30, 2017 19:38
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TBeats posted:I'm sure all the good stories about USAA could be told about every other insurance company and all the bad stories about USAA could be told about every other insurance company. Here's my good USAA story that isn't true of any other company: When I call them, I get a real person within like 30-60 seconds. Also their website understands that if you want fancy poo poo and have fast internet that's cool, but if you're praying for a single bar from "gently caress-you-istan" they won't make you load some massive interstitial landing page. Chase used to, and might still, have some insanely bandwidth heavy welcome page before you could log in. As a result, I closed my account, because deployment internet was baaaad.
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Apr 30, 2017 19:41
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mlmp08 posted:Here's my good USAA story that isn't true of any other company: This is mostly true. However, whenever I need to speak with survivor services regarding any of my wife's accounts, I'm on hold from 30 minutes to an hour.
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Apr 30, 2017 19:52
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My father got private health insurance coverage for the whole family about three months before I was born. ("private" as in outside of the universal healthcare system, think premium poo poo) Shortly after my birth, I was diagnosed with a "Megaureter", so an inflammation of the hair-thin thing going from your kidney to your bladder. Usually, it's a reasonably doable procedure where you bridge the inflamed side and reroute it via the other side. In my case, both sides were inflamed. The docs pretty much wrote me off since there was no procedure for a situation like that, and there were also liability issues for some reason, so no one would touch it with a 9-foot pole. The only option was some ground breaking experimental procedure that was then done by the head surgeon at the university clinic in Munich, poo poo took close to 9 months until I was over the hump. The private insurance thought it could try to be a dick about it and weasel itself out of paying for experimental procedures, but eventually shelled out around 250 grand for the treatment. Since the policy hadn't run a full calendar year, they were able to terminate it, but only after paying the full treatment and follow-up treatment. Pay in three months of premiums, cash out a thousand months' worth. Decent ROI 
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Apr 30, 2017 19:55
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I got insurance yesterday when I bought Nioh. If the disc gets cracked or stops working, I get a new one 
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Apr 30, 2017 20:01
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McNally posted:This is mostly true. However, whenever I need to speak with survivor services regarding any of my wife's accounts, I'm on hold from 30 minutes to an hour. Speaking of this, holy poo poo make sure you people have a proper will. My mom was killed unexpectedly last fall when she got hit by a car. Her will was not properly notarized and had been written way back when my older brother and I were minors rather than in our thirties. This has proven to be a massive pain in the rear end, and given that she didn't have much at all in the way of assets, lawyer fees are likely going to eat up a rather large portion of the inheritance, and my brother will be drat near an estate paralegal by the time we figure this poo poo out. At this point, I'm almost less concerned with the actual inheritance than we are with just ending this paperwork nightmare that keeps reopening wounds as we have to contact yet another person or company and have them fill out this and that and so on and so forth.
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Apr 30, 2017 20:04
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Nostalgia4Murder posted:I got insurance yesterday when I bought Nioh. If the disc gets cracked or stops working, I get a new one prove it
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Apr 30, 2017 20:05
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Nostalgia4Murder posted:I got insurance yesterday when I bought Nioh. If the disc gets cracked or stops working, I get a new one In high school a kid down the road managed to get about 1-2 grand worth of free poo poo by exploiting this for theft protection before he was put on some sort of "never insure this fucker" list. I mean, pretty good when you're 16 or so, but might've bit him in the rear end later on. e: forgot, I knew an LT who lost a loving eight thousand dollar wedding ring (as a dude!) twice in two different field exercises. USAA dropped him, no one else would insure him except for insane premiums. I don'tt hink he was scamming, he was just bad at this poo poo. mlmp08 fucked around with this message at 20:13 on Apr 30, 2017 |
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Apr 30, 2017 20:08
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mlmp08 posted:Speaking of this, holy poo poo make sure you people have a proper will. Yeah dying intestate loving sucks. I've done some estate work and oh boy have a will...unless you hate your relatives and want to flip them off from beyond the grave.
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Apr 30, 2017 20:15
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I have no debt nor any assets worth distributing so check your privilege please.
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Apr 30, 2017 20:17
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TBeats posted:I have no debt nor any assets worth distributing so check your privilege please. I get that you're joking but I think I had more saved by 25 than my mom when she was smashed by a car in her sixties so gently caress off.
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Apr 30, 2017 20:17
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Yeah that was a bad joke by me in hindsight. My bad 
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Apr 30, 2017 20:18
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there's no  big enough for thishttps://twitter.com/realDonaldTrump/status/858654431956672512
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Apr 30, 2017 20:26
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Fister Roboto posted:That song sounds pretty appropriate but not for the reasons he intended. Yup. https://www.youtube.com/watch?v=yeJ-iv3MOTo Oof.
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Apr 30, 2017 20:29
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I need to read more into what all USAA homeowners insurance etc covers because drat I didn't know you could claim a lot of this poo poo
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Apr 30, 2017 20:41
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TBeats posted:Yeah that was a bad joke by me in hindsight. My bad No worries.
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Apr 30, 2017 20:47
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https://twitter.com/MrDanZak/status/858667267495800833
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Apr 30, 2017 20:58
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Also when I was young and healthy my insurance dropped me because I got injured, "preexisting medical condition" it was, because I had to get an unplanned surgery. $18k bill. Thankfully after fighting tooth and nail I qualified for some poor person county aid that covered it 100%. It all still cost me a lot with copays etc. Thus, I will never complain about Tricare/VA poo poo ¯\_(ツ)_/¯
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Apr 30, 2017 20:59
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Just when you thought Fred Hiatt couldn't find a worse editorial page columnist.
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Apr 30, 2017 21:00
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Gorka's finally gone. https://twitter.com/DavidMDrucker/status/858773495806820353
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Apr 30, 2017 21:26
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shame on an IGA posted:Current Event: Swiss climbing legend Uli Steck has fallen to his death during a warmup run at Mt Everest. Dude was a supreme badass who once ascended the north face of Eiger alone with no ropes in less than three hours, Eiger being the same mountain which killed all of the first 17 people to attempt it over a span of decades. one of the greatest climbers of all time laid low by the tourist mountain. this dude solo climbed annapurna, the deadliest mountain, by himself in 28 hours rip wooly stick https://www.youtube.com/watch?v=qdLG64rEChQ
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Apr 30, 2017 21:46
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facialimpediment posted:Gorka's finally gone. GOOOORKAAAAAAAAAAAAAAAAA!!! https://www.youtube.com/watch?v=QbQx0NTV4TU
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Apr 30, 2017 21:51
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Accepted a position eh? Why, nobody would believe such a hateful poo poo monger would choose to spend time with family so that excuse was too dumb even for Donnie Dumbfuck?
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Apr 30, 2017 22:08
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facialimpediment posted:Gorka's finally gone.
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Apr 30, 2017 22:11
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He's going to be completely gone within a year or so I bet. This is just the administration saving face by saying he wasn't fired.
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May 1, 2017 00:44
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Casimir Radon posted:They couldn't have just canned his dumb rear end huh? His is a case of clear cut lying about credentials and general incompetence. He doesn't even have a fan club to rush to his defence. Why he gets to keep any role is the simple reason that this is the most stupid administration we've evwr had. He has a fan club of one: Donald Trump. Donnie's determined to do anything he can for people that supported him during the campaign until they get a whiff of stink, then they get reassigned or canned very slowly because Donnie actually doesn't like firing people. At all. All that apprentice poo poo was a total act.
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May 1, 2017 00:59
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facialimpediment posted:He has a fan club of one: Donald Trump. Donnie's determined to do anything he can for people that supported him during the campaign until they get a whiff of stink, then they get reassigned or canned very slowly because Donnie actually doesn't like firing people. At all. All that apprentice poo poo was a total act. That or he hates firing people he hand picked because it reflects poorly on him and he can't admit he hosed up.
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May 1, 2017 01:35
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Richard Bong posted:That or he hates firing people he hand picked because it reflects poorly on him and he can't admit he hosed up. Has he ever admitted a mistake? Like, ever ever.. Not just this presidential run.
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May 1, 2017 01:51
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Saint Celestine posted:Has he ever admitted a mistake? Like, ever ever.. Not just this presidential run. I mean he single handedly killed the USFL because he wanted a NFL franchise and the league wouldn't let him, so he tried to sue and force a merger. And in the 30 for 30 he said, "that was small potatoes"
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May 1, 2017 01:58
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TBeats posted:I have no debt nor any assets worth distributing so check your privilege please. It's already established that you made a joke here, but my wife left behind solely in her name a car, a certificate of deposit, and a pending personal injury settlement. You're gonna leave something behind, get a will.
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May 1, 2017 02:10
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Flikken posted:I mean he single handedly killed the USFL because he wanted a NFL franchise and the league wouldn't let him, so he tried to sue and force a merger. And in the 30 for 30 he said, "that was small potatoes" he was also trying to buy the Buffalo Bills and move them to Canada after Ralph Wilson died
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May 1, 2017 02:34
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Nostalgia4Butts posted:he was also trying to buy the Buffalo Bills and move them to Canada after Ralph Wilson died  AMERICA FIRST!! THE ART OF THE DEAL!!
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May 1, 2017 02:41
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so was Bon Jovi, with a different group of investors basically gently caress em both forever
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May 1, 2017 02:43
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Buca di Bepis posted:My CCW class in VA consisted of a 350 lb man in BDUs lecturing us on how castle doctrine is important for allowing us to kill blacks Eh, guns are awesome when used/owned responsibility. I really want to be part of a truly non-partisan or liberal leaning firearms organization ala the NRA (but not racist old pieces of poo poo).
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May 1, 2017 03:16
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On the other hand.. It is the Bills. A team that fired not just their GM, but the entire scouting department, the day after the draft.
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May 1, 2017 03:16
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Genocide Tendency posted:On the other hand.. It is the Bills. A team that fired not just their GM, but the entire scouting department, the day after the draft. tbh a lot of them had barricaded themselves into the organization over the past few years. there was a lot of talk after wilson died about what was going to happen to them and the long-term front office people after how many years of "oh hey almost in the playoffs!" im happy they're purging
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May 1, 2017 03:24
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Nostalgia4Butts posted:tbh a lot of them had barricaded themselves into the organization over the past few years. there was a lot of talk after wilson died about what was going to happen to them and the long-term front office people Its not that they fired everyone. Frankly they should have. Its that they waited till the day after the draft to do it instead of in December when they were eliminated from the playoffs. Thats J E T S JETS JETS JETS level fuckery.
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May 1, 2017 03:26
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DoktorLoken posted:Eh, guns are awesome when used/owned responsibility. I really want to be part of a truly non-partisan or liberal leaning firearms organization ala the NRA (but not racist old pieces of poo poo). Welp if you can figure out a way to bridge the gap between "ALL GUNS ARE BAD MMMKAY" and " I AS A CITIZEN NEED TO BE ABLE TO GET GUNS AT THE DROP OF A HAT AND CARRY THEM EVERY WHERE", You'll find something I suppose. Annecdotally, I like shooting guns at ranges and stuff, but I realize my mom, who conceal carries, has no business with firearms because shes acted retarded* with them before and has no inclination to go and learn how not to be retarded with them. *My mom while drunk drew her .38 on my brother because they got into a pretty deep argument because she felt "threatened", "threatened" being my brother yelling at her from across the room, while me and my father where on either side of him trying to get him to just back off until my mom sobered up. Which funnily enough is the second time I've had a pistol pointed in my general direction, the first time was when one of my friend showed my room mate his new glock, and my room mate did the whole "I know a gun, I played call of duty", and sighted it with out trigger discipline in my general area of standing.
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May 1, 2017 03:32
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KildarX posted:Welp if you can figure out a way to bridge the gap between Guns and alcohol lead to amazing decisions.
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