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Yeah, when poop hits the fan isn't a time to find out vehicles were "wrongly" insured and in fact are not covered......I understood the "no FMV at all" but find the hit and miss attitude concerning and disheartening......
I guess it depends upon who you speak with at USAA.......that in itself is disappointing.....I was told no FMV, not even a simple M1009.....now I hear others are insured......strange, really strange...,.
I was told USAA would not insure my M1009 or my Deuce. Said that they do not insure FMV's. Simple and straight forward. I could accept that. Got my Deuce insured with Allstate. Simple and decently priced