So the other day someone scratched my wifes care with what looks like a shopping cart. I called my insurance (USAA) to makea claim. They sent out the inspector (USAA employee)who said it would be a comprehensive claim and not collision. And most likely was a shopping cart that did it.
USAA gets the report and says its going in as collision and would be out of pocket for me since my deductable is $1000 for collision instead of the $250 for comprehensive. Apparently if someone scratches your car on accident with a shopping cart its a collision but if it's malicious then it would be comprehensive.
WTF. Do I feel cheated by USAA or what! I've been with them for 5 years with my auto and home owners for nearly $2000 a year. The price to fix the paint is about $650. Why have top tier insurance when they still cheat you like the junk companies.