Business Profile

Auto Insurance

CSAA

This business is NOT BBB Accredited.

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Important information

Customer Complaint:
BBB’s business profile for CSAA was created in May 1932. A review of CSAA complaints was completed in June 2025

BBB suggests consumers review the link below for additional information regarding assistance and conditions of coverage.

https://mwg.aaa.com/membership/terms-and-conditions
https://mwg.aaa.com/insurance

Complaints

This profile includes complaints for CSAA's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

359 total complaints in the last 3 years.
110 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:01/26/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Around January 4, 2023, I was traveling to Nevada from ******* and my exhaust broke. I called *** for roadside service and I was told a tow truck canceled and they were searching for another. The text told me to standby and they would get back with me. They did not and I was stranded at a gas station in the middle of nowhere late at night. On 1/25, I called for a tow and I asked if Id be able to get a ride. The *** rep told me if the tow driver could not drive me *** would get me a Lyft. I called *** back when the tow driver said he could not drive me, and I was told *** wont get a Lyft. I have a witness, as I had my speaker on and he heard her tell me *** would get me a Lyft.
Business Response
Date: 02/01/2023
If she ha a receipt she will need to file with her local club.
Although this happened in our area the policy is still that members has to file with their local club.

Sincerely,

Lakshmi Pal
************
Initial Complaint
Date:01/25/2023
Type:Sales and Advertising Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On 9/17/2023, I got into an accident after purchasing a new 2022 Tesla ***************** I had AAA auto insurance, I made the mistake of not adding my vehicle to my insurance policy within 30 days. I purchased my vehicle on 08/08/2022, I think AAA should have accepted my claim because my accident happened less than two weeks after the 30 days. The reason why I am complaining now is that the shop I took it to have it fixed turned out to be a fraud. He took my money and forcefully held on to my car until 1/20/2023 when the local ***************** and BAR had to come to help me take my car out by force. My car is still not fixed, and I have to take the shop to court now because he won't give me my money. Meanwhile, I have a back injury from falling off my bicycle while biking to work from **********, ** to *************, **. I had to visit ER that day after falling off my bike. After my back injury, I lost my job as well. I am in deep trouble because AAA refused to cover my car. AAA could have charged me for the difference in payment on my insurance and covered my car. Please help me! Thanks. I have attached my statement to this email regarding my experience with ********* Auto, the shop that was supposed to fix my vehicle.
Business Response
Date: 02/01/2023
February 1, 2023
Better Business Bureau, ****
1000 ********, Suite 625
*******, ** 94607

Attn: **********
Dispute Resolution Specialist

Re:         Complainant:                               *****************************
                BBB File Number:                      18898976

Dear *** L:
We are in receipt of your offices inquiry. We have reviewed the complainants concerns to your department.
Below you will find our response concerning this matter.
The complainant purchased a new vehicle on August 8, 2022. The complainant reported an accident occurring on September 17, 2022, involving the vehicle. The complainant requested the vehicle to be added to the personal auto policy on September 19, 2022.     From the date of acquisition, an insured has thirty days to add a vehicle to his or her personal auto policy if they would like car damage coverage on the vehicle. Unfortunately, since the vehicle was not added to the policy within thirty days of its acquisition, there was no car damage coverage available for the accident that occurred.
Should you have any questions or require any additional information, please contact me at the number below.

Sincerely,

***********************, Supervisor
Phone: ************
Initial Complaint
Date:01/24/2023
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
24 January 2023 ****************************** ******************************************************************** ************ *** Membership number: ******************* I purchased an *** battery on 5 January 2021. The battery would not start my 2015 Camry on 23 January 2023, well within the *** three-year battery replacement period warranty.The *** technician arrived around **** on 23 January 2023, cleaned the terminals, and started the Camry with the jump starter. After the jump-start, the battery would not start the Camry.The technician then charged the battery for five minutes. At the end of the charging period, the battery still would not start the Camry.I suggested it was a bad battery. The technician said no because his tester did not show the battery had failed. I said if the battery cannot hold a charge, it is probably a bad battery.The technician then asked how often I drove the Camry. I told him once a week. He said the warranty was voided because I had to drive the car twice a week to maintain the warranty. He then said my only option was to buy a new battery from ***. He also suggested I could drive to a garage and ask the mechanic to do a deep charge to see if that would work. I explained that I could not do that because the battery would not start the car.There is nothing on the *** website California *** Warranty page about driving a car twice a week to maintain the battery warranty. My wife and I have been *** members since ****. I think *** owes me the cost of a new battery (I purchased a ****** Interstate 24F battery for $124.18).I also think regulatory steps should be taken to prevent *** from arbitrarily assigning warranty-voiding rules to avoid honoring the battery warranties.Thank you,******************************
Business Response
Date: 01/25/2023
We have ordered refund check in the amount of $124.18. He should expect this check within the next ***** business days.
Our sincere apologies for any inconvenience.

Sincerely,

Lakshmi Pal
************
Customer Answer
Date: 01/25/2023

Complaint: 18892088

I am rejecting this response because I want to wait until I get my check, and would like to work with them to ensure this doesn't happen to other elderly folks who might have a battery failure in the future.

Sincerely,

***************************
Customer Answer
Date: 01/31/2023
I have received the check. Thank you for the quick action. I am satisfied with the business response and you can close the complaint. I will address the rest of my concerns with the state agencies dealing with consumer fraud and elder abuse.
Initial Complaint
Date:01/17/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I would like to file a complaint against the service department. I called for a service because my car wouldn't start asking for a tow, when the driver arrived he decided my battery just had a lot of build up on it, so he cleaned it and the car started. The next day it wouldn't start again I called and when you guys came out you stated i needed a new battery. I purchased a battery from your company and the next day my car was acting funny didn't really want to start, radio shutting off and coming back on. I called for help and was told I didn't have any more allotments and needed to pay. I spoke to a supervisor named **** #****** who stated his boss name is *******, who made it very clear that he couldn't care less about my problem. I hung up and called back and spoke with a supervisor named **** who sent someone out to help. The gentleman who came out stated whomever put this battery in totally didn't know what they were doing, and that had i not gotten it put in correctly it was going to blow my fuses and my car could have caught fire. So now my life was put in danger and I had to fight tooth and nail for your company to even send someone out.
Business Response
Date: 02/01/2023
We have sent member a damage report form that she needs to complete and send to the address on the form so a damage specialist can review and address.

Sincerely,

Lakshmi Pal
************
Initial Complaint
Date:01/06/2023
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On January 1, 2023 at approximately 8:30pm, I got a flat tire in my Tesla on highway 80 in Fairfield near the 41 Exit. I immediately pulled to the side of the highway and contacted *** roadside assistance. After approximately 3 hours, a tow truck driver showed up and loaded my vehicle onto the tow truck and drove my son and I to a safe location in Fairfield. I asked to have my vehicle towed to a tire shop in ************ where I live, but dispatch for some reason stated that my vehicle would need to be taken and held at the *** yard and towed to my desired location the next day. The dispatch was very rude and argumentative with the tow truck driver when he was trying to relay information I was giving him regarding the address location for the Lyft ride and she decided to go to lunch instead of helping to get me home! On January 2, 2023, my car was not towed to the tire shop in ************. I did not hear from anyone and contacted *** roadside. It took an effort to get a live person and when I did, the agent put me on hold to speak to dispatch who told them my vehicle would be towed the next day. I informed the agent that my car's battery was low and if it got down to zero, it would not be able to be loaded onto the tow truck without damaging the driveline system and that I would hold *** personally liable for the repair. On January 3, received a call from a tow truck driver stating he was going to pick up my car from *** to tow to ************ and asked the location of my vehicle. I told him I did not know because *** never disclosed that to me. After a few hours, I called the driver back and he stated *** canceled the tow. I then contacted *** again and spoke to an agent who spoke to dispatch and was told my vehicle would be towed the next day in the morning. I told the agent if I didn't hear from anyone in the morning, I would have ***** locate my vechicle and bring my own two truck and give *** the bill. I finally got my car back on January 4th thanks to the tow driver.
Business Response
Date: 01/17/2023
We have contacted member and offered our sincere apology for the delay in having his vehicle towed.
We will pay his and his associates membership dues when in renews in October 2023.

Sincerely,

***********

************

Customer Answer
Date: 01/19/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***********************
Initial Complaint
Date:01/03/2023
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
The date of this transaction was January the 2nd 2023 at 2:30 in the afternoon I made an attempt to use my towing service to take my car to the mechanics for today because I need my car for a medical trips and work I was told that they could not give me a tow because they were only servicing emergency car tows and then I said why That's not what the advertisement says I pay my bill I get towing service I was mindful and understanding about the emergency part so he says call back in 2 hours I called back in 3 hours I was giving them plenty of time to help those emergency people and I consider myself an emergency person because I could not drive my car I was requested by the mechanic not to drive my car on the freeway I called back and that was about 8:00 and they told me that it would be 2 hours before truck would show up so I immediately got ready to go downstairs 30 minutes later I look at my phone and it says your driver's just pulling up I said okay I'll be right down when I got downstairs there was no truck he lied and said that the order was complete it was not complete cuz he did not even bother to use my phone number to call me he only text me and I'm easier to get in contact with if you call me not text me we waited in the car from 10:00 at night to 12:00 we saw a truck AAA towing truck and we flagged them down and he said he was not our driver so being that I'm my life still goes on even though they took my money and told me they wasn't going to do nothing for me I took a chance and drove that car from Berkeley to **************** to my mechanics through the ***** of God the front end didn't do anything faulty but AAA blew up my phone cuz we didn't get back home until 1:30 2:00 AAA blew up my phone from 2:00 to 6:00 in the morning asking me how is their service and I woke up long enough to give them a report of how I never received any service and that's what I paid for it has been clearly a breach of contract
Business Response
Date: 01/17/2023
Spoke with member and offered our sincere apology for this non service. Due to the severe weather we had major shortage of drivers.
Offered to refund her membership dues for the inconvenience. A refund check in the amount of $152.98 has been ordered and it usually takes about ***** business days for the member to receive this check.

Sincerely,

***********
************
Customer Answer
Date: 01/18/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***************************
Initial Complaint
Date:01/02/2023
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On 11/9/21, *** installed a new battery into my car for $201.54. On 7/21/22, the battery was dead & *** recharged the battery. During the service call, I was told that *** would replace the battery if the problems continued since it's under a 3-year warranty. On 8/28/22, again the battery was dead. *** tested the battery & indicated that the battery was defective & needed to be replaced, but the driver was not a battery technician & could not honor the battery warranty. On 9/2/22, I again requested *** service & the technician tested the ******** stated it was ok, & would not replace it. When I explained that the previous test indicated that the battery was defective, he became very confrontational & rudely refused to replace it. Prior to this road service call, I had the alternator checked by a mechanic at my expense in order to rule out a problem. On 9/14/22, the battery was again dead. Clearly, this was a defective ******** *** exhausted nearly all of my yearly *** roadside service calls just servicing the battery. I purchased a new battery on 10/2/22 for $258.79 & replaced the *** battery. On 11/5/22, I submitted a *** battery reimbursement claim for my purchase to the email address provided on the claim form. By mid-December I had not heard anything & called *** on 12/13/22 to inquire about my claim. *** rep ************************* asked me to resubmit the claim. On 12/15/22, I received a phone call from ***** at member services & was told that *** would replace the *** battery but would not reimburse me for my battery purchase. *** had an opportunity to replace the battery on 9/2/22 & refused, instead offering to replace the battery 105 days AFTER my initial request & AFTER I had already replaced the battery. ***s offer to replace the battery is an admission that the battery was defective, and therefore *** should have replaced it when I made my initial request in 9/2/22. Id like reimbursement for my battery purchase. My *** account number is *******************.
Business Response
Date: 01/03/2023
We will refund member $201.54 that he paid for the battery the battery that he purchased from AAA. Check has been ordered and he should expect it within the next ***** business days. We will also remove all call that he used for battery service from his entitlement.

Our sincere apology for the inconvience.

Sincerely,

***********
************
Customer Answer
Date: 01/06/2023
**************************************** like to thank the Better Business Bureau for its help in resolving my dispute with ***. Within 24 hours, the BBB resolved a dispute that has been ongoing for months. I am extremely impressed with the speed and proficiency of the BBB.

I have reviewed the response made by *** in reference to complaint ID ******** and although I am willing to accept the resolution, I feel I've done *** a favor by accepting this offer. Less than one year after purchasing a battery from ***, the battery died 4 times within a 3-month time frame. Despite using 3 of my 4 yearly service calls to recharge the battery and 1 failed battery test administered by a *** driver, *** refused to replace the battery upon my request. Furthermore, the battery technician was rude and confrontation during his refusal. After the battery died a fourth time, I became concerned that my wife would become stranded in an unsafe area and purchased a new battery at my expense.

Although I filed a battery reimbursement claim with ***, this claim was lost and after over a month without a response, I was told to resubmit the claim yet again. The second claim was denied and instead *** offered to replace my battery - several months after I made the same request of the battery technician and weeks after I had already purchased a new battery. Of course, the member services representative knew this, since I included this information with my reimbursement claim. I can only assume he thought I would reject ***s offer to replace the battery and walk away. However, when I told him that I would be filing a complaint with the BBB and the State of California, he laughed and said, Go ahead, as if to say that I would never get reimbursed. After filling a dispute with BBB, *** did just that; they offered to reimburse me for the *** battery purchase.

Finally, I will state that the *** representative who contacted me about the dispute resolution offered to reimburse me for the purchase of the *** battery, rather than for the replacement battery I purchased. Because I am so exhausted with the months of back and forth and just want to put this dispute behind me, I am willing to accept the offer. However, given the number of opportunities to resolve this dispute I provided to *** and the way I've been treated, I feel it would have been within my rights to demand reimbursement for the replacement battery, which was $50 more than the *** battery.

I have tried to be reasonable throughout this entire experience. I understand that companies make mistakes, and I know that not every battery *** sells is defective. In fact, I have a *** battery in my other car, and it has performed very well. But by ***s own admission, they sold me a defective battery. So, why not just honor the 3-year warranty and be done with it? Why force members to jump through multiple hoops to reach a settlement - unless *** never plans to honor the warranty and instead intends to exhaust members to the point of giving up? Had *** replaced the battery even after it died the third time, when I politely made this request, I would have been pleased with the outcome. Had *** approved my reimbursement claim, I would have been happy and said nothing more. But at every turn, I was met with denials and disrespect from every *** representative. This suggests that its unjustifiable treatment of members is part of its corporate culture, from top to bottom.

I have been a member of *** for 23 years and this will be my last. I do not wish to do business with such a company, and I believe that BBB should seriously review its A+ rating of CSAA. I find it hard to believe that my experience is an isolated case.

Sincerely,

*************************
Initial Complaint
Date:12/29/2022
Type:Order Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I had an an issue with a car insurance company who failed to renew my policy because of too many reported claims is a short time period. I searched and found a car insurance through AAA. I explained to the agent my concerns and my needs. The agent requested all required documents from my previous insurance for the proof of situation . The name of the insurance company is CSAA. This new insurance policy started 8/26/2022. On 12/24/2022 I received an email from **** CSAA car insurance stating my policy will end 02/26/2023 and will not be eligible for renewal. My policy will not be renewed, due to the unacceptable driving activity from my previous insurance company. This is only true from my previous insurance company, not my currant AAA insurance. I called customer service and was informed this was an error and the policy should have never been approved. I asked for proof of documentation and was denied. This is unfair to me as the customer. I have to deal with the outcome of this error due to the lack of training of this companies employees. I would prefer to keep my insurance with **** or have proof that this was an error. I was approved of my policy in August 2022. In December 2022 i get a notice that it wont' be renewed. All because it should have never been approved. I did send an email to all the **** and CSAA . I added all the emails I could find connected to these companies. Please help me.
Business Response
Date: 01/03/2023
Dear **********
Attached please find our response to ****************** inquiry.
Sincerely,
CSAA Insurance Group Policyholder Relations Department
Customer Answer
Date: 01/04/2023

Complaint: 18654317

I am rejecting this response because:

Hello,
Thank you for a timely response. I do not agree with the final response of CSAA. My prior driving history was from another insurance company. CSAA was made aware of my prior driving history, with the prior insurance company, prior to approving my policy. My problem is, why was my policy with CSAA approved if this is below the companies standards? There is no record of unsatisfactory driving while doing business with CSAA. I would like something in writing stating CSAA made an error on approving my policy, as CSAA does not typically approve a case, such as mine. And how during the time of my business with CSAA I have had a perfect driving history. The benefit of having this in writing will increase my chances on finding another insurance company. Again I do not approve of the response of CSAA. I look forward to hearing from you with a better resolution.
Thank you

Sincerely,

***************************
Business Response
Date: 01/13/2023
While we understand Ms. ****** disappointment, the correct decision was made to non-renew her auto policy based on our underwriting guidelines. To aid in Ms. ****** search for a new carrier a Letter of Experience will be emailed to her address on file. Please allow 7 business days for delivery. We now consider the matter closed.
Customer Answer
Date: 01/17/2023

Complaint: 18654317

I am rejecting this response because:
This matter will be considered closed once I receive my "Letter of Experience" from AAA. Thank you

Sincerely,

***************************
Initial Complaint
Date:12/14/2022
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
During the pandemic we noticed water under the kitchen cabinet. This cabinet held pots, vases, cleaning supplies etc. Not a cabinet that was used daily. The issue was found when the wood under the cabinet became saturated and it had probably been wet for a little while. Since we were in the peak of the pandemic, I decided to clean up the water best I could and just turn on the fans to dry out the cabinet. I had a person come by because I thought it was an actual busted pipe but it was not, just a leaky pipe and they resolved the matter. Never thought it would be an issue. After what I assumed the wood was dry I put the items back under the cabinet and went on about life. As time went pass the wood became warped and molded. I decided to call my insurance company because I thought this may be a bigger problem. When the representative came out still during the pandemic, he stated, why didnt you call before it got this far? I informed him I have a new grandbaby in the house plus I am a higher risk for Covid and I thought it would just dry out. The representative said, they probably wont cover it because you should have called when it first happened. I told him, covered or not my life is more important. I even told him about losing love ones due to the pandemic. I also told him that I am a liability adjuster. I said sometimes when you have minor issues its not worth reporting a claim against your policy when you think its something you can take care of. After that I received a denial letter stating that my policy does not pay for those type of damages. They would not cover the mold because it was out in the open etc. How could it be in the open if the cabinet was full. I called and spoke with a manager who was supposed to send me a copy of my policy. This was 6 months ago.I was going to just let the issue go but I feel that I have been treated unfairly and after speaking to others I was told that this is something that should have been covered.
Business Response
Date: 12/16/2022
Attn: **********

Re:       Complainant:***** Hill
            Claim Number: ************
            BBB File Number: 18576601
Dear Disputes Resolution Specialist:
We are in receipt of your offices inquiry. We have reviewed ***** Hills complaint to your department which was submitted on December 15, 2022. While we understand and empathize with the frustration surrounding this situation, as an insurer we have duty to our members to properly apply coverages afforded by the policy contract. Unfortunately given the length of time the damages were present and not mitigated did not allow for the policy to be able to assist in repairs to this members home. Also, the location of the damages does not meet the definition of hidden and unknown as described in the policy contract. While we also do completely understand the hesitation and reservation to having someone in the home given the pandemic,had we been given the opportunity to review this claim in a timely manner we could have offered alternatives to sending someone into the home, including virtual inspections and photo reviews to make coverage determination and build repair estimates.
Should you have any questions or require any additional information please contact me at the number below.

Sincerely,

*************************
Senior Manager,Homeowner Claims
*************
Customer Answer
Date: 12/17/2022

Complaint: 18576601

I am rejecting this response because:

Sincerely,

*******************
Customer Answer
Date: 12/22/2022
Unknown means happening or existing without ones knowledge, not discovered. I am unsure what the definition is in the policy because when I requested a copy of it I never received it. I thought as a homeowner I was mitigating my damages to not cause extra expenses. I believed that once the issue was taken care of and the dry out was completed that issue was solved. I also though the time to file a property claim was 2 years for personal property and for real property 6 years.
I believe I am just really frustrated how the entire process went. For the adjuster to say, you probably could just replace these cabinets and it wont meet your deductible. Well, I thought I could take care of the problem and it would not meet my deductible.
Business Response
Date: 12/28/2022
Dear Disputes Resolution Specialist:
Unfortunately based on the information provided to us during this claim the damages were not hidden underneath floors or within the walls,but were located within cabinets. Also based on the information provided,and the location of the loss there is a strong possibility that coverage would not have been afforded even if it had been reported prior to May 2022 as it appears that the damages were caused by an on going leak that lasted greater than weeks. As to the timing of the report statutes, we accepted this claim and gave it full review before denying the damages based on the policy contract.
Should you have any questions or require any additional information please contact me at the number below.

Sincerely,

*************************
Senior Manager,Homeowner Claims
*************
Initial Complaint
Date:12/12/2022
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I had originally filed a complaint (# ********) with BBB on November 18th, 2022, about CSAA"s unfair/deceptive and outright bulling practices. I have been a member of triple A for about 25 years and never had to file a (legit) claim until recently, which they promptly denied. ****************** at CSAA was especially rude and intimidating.On November 22nd, CSAA responded to BBB that they had reviewed the policy and were going to cover my claim. On December 6th, I received an email from CSAA that they were perhaps going to cover perhaps some of my claim but not all. They reminded me that I still have to pay a $1000 deductible. They have been literally stringing me along for a month now; and nothing productive has come out of CSAA. They are literally ghosting me now and I have no idea if they will cover the water damage to my home. Yet they expect me to pay my $1000 deductible. They are sneaky smart in that they know most people will drop the issue and fix things themselves if CSAA drags it out long enough. I do plan to start repairs in my house starting Next week if I do not hear from CSAA.I would like to warn everyone about CSAA's dishonest business practices. It does not matter how long you have been a member, and how much you have paid into it; CSAA will leave their customers hanging.Customers also need to keep a record of all their conversations/ interaction with CSAA. They should also read the fine print in their policies. Retaining an attorney is also a good idea.I do plan to contact Consumers Finacial Protection Borad and / or Consumer Affairs if I see any alteration in my policy or increase in my Premium (since I wouldn't put it past them).I have attached some of my interaction with CSAA.
Business Response
Date: 12/23/2022
Attn: **********

Re:       Complainant:*******************
            Claim Number: ************
            BBB File Number: 18432651

Dear Disputes Resolution Specialist:
We are in receipt of your offices follow up inquiry. We have reviewed *********************** complaint to your department which was submitted on December 13, 2022. Since our reply on November 28th, 2022 Ms. **** property has been completely dried out and a referral assignment for repairs was sent our network of contractors. All ******************* completed an inspection and are working on scheduled repairs with ***********
Should you have any questions or require any additional information please contact me at the number below.

Sincerely,

***************************
Homeowner Supervisor
************

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