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Joseph Sosnowski USAA

Joseph Sosnowski, CPCU | Physical Damage Specialist | Auto Physical Damage Auto, Security, & Recovery-Physical Damage, P&C Insurance Group, USAA (PHX) 9800 Fredericksburg Road, San Antonio, Texas 78288 Phone: (623) 715-8350  |  Fax: (877) 405-5792 joseph.sosnowski@usaa.com    Is his person difficult to work with? Does he handle claims unfairly and unprofessionally?

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OCGA § 33-23-1 AGENTS, AGENCIES, SUBAGENTS, COUNSELORS, AND ADJUSTERS

OCGA § 33-23-1 2015 Georgia Code Title 33 – INSURANCE Chapter 23 – LICENSING Article 1 – AGENTS, AGENCIES, SUBAGENTS, COUNSELORS, AND ADJUSTERS (a) As used in this article, the term: (1) “Adjuster” means any individual who for a fee, commission, salary, or other compensation investigates, settles, or adjusts and

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Incentive Spending in December

Incentive Spending in December   The ALG estimates that average incentives on new vehicles spiked 20% to $3,673 in December 2016 compared with December 2015. Among the biggest spenders on December discounts were the Detroit 3 and Volkswagen Group. Subaru also has been able to offer some of the industry’s

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U.S. Car Industry December 2016

U.S. Car Industry December 2016   Another Great Year for Car Market Overall sales rose by more than 56,000, or 0.3% over the 2015 record. It was the seventh straight year of sales gains, with December’s final push in 2016’s to 17,539,052 cars and light trucks. Companies to notice are

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Top-10 Car Industry Market Share In 2016

Top-10 Car Industry Market Share In 2016   Leaders Of The Market Toyota and BMW are leading the market share race with Volkswagen slowly closing on them despite their diesel fuel emission tests scandal. Last year’s winner Hyundai is falling to the 4th place this year. But judging companies’ success

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Vehicle Value Depreciation Rate – January 11, 2017

Vehicle Value Depreciation Rate – January 11, 2017   Car Market Value Decline Overall car segment values decreased by 0.45% Sporty Car value declined the most by 0.87% Luxury Car value declined the most by 0.72% Premium Sporty Car value declined by 0.72% Prestige Luxury Car segments declined by 0.71%

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Vehicle Value Depreciation Rate – January 3, 2017

Vehicle Value Depreciation Rate – January 3, 2017   Value Decline Overall car segment values decreased by 0.42% last week. Prestige Luxury Car segment declined the most by 1.32% Luxury Car segment declined by 1.07% Premium Sporty Car segment declined by 0.73% Overall truck segment (including pickups, SUVs, and vans)

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Vehicle Value Depreciation Rate – December 23, 2016

Vehicle Value Depreciation Rate – December 23, 2016   Value Decline Overall car segment values decreased by 0.74% last week Sub-Compact Car declined the most by 1.03% Sporty Car declined by 1.02% Full-Size Car declined 0.93% Overall truck segment (including pickups, SUVs, and vans) values decreased by 0.53% Sub-Compact Crossover

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Vehicle Value Depreciation Rate – December 14, 2016

Vehicle Value Depreciation Rate – December 14, 2016   Decline Values Overall car segment values decreased by 0.64% last week. Near-Luxury Car declined the most by 1.32%. Sub-Compact Car declined 1.30%. Luxury Car segments declined 1.10%. Overall truck segment (including pickups, SUVs, and vans) values decreased by 0.65% last week.

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USAA Diminished Value Letter

Action: Appraisal Clause Dispute Resolution of Diminished Value. Introduction: This report has been prepared to determine the potential impact to Claimant 2014 Honda Odyssey value as a result of a collision loss dated 7/5/2016. Diminution in Value: Georgia courts have said that a person’s diminishment of value is the difference

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Vehicle Value Depreciation Rate – November 23, 2016

Vehicle Value Depreciation Rate – November 23, 2016 Market Decline Rates Overall car segment values decreased by 0.69%. Sporty Car declined the most by 1.22%. Premium Sporty Car declined by 0.84%. Compact Car segments declined by 0.79%. Overall truck segment (including pickup, SUVs and vans) values decreased by 0.66%. Mid-Size Crossover/SUV

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Vehicle Value Depreciation Rate – November 16, 2016

Vehicle Value Depreciation Rate – November 16, 2016   Overall car segment values decreased by 0.46%. Prestige Luxury Car segments declined the most by 0.87%. Sub-Compact Car segments declined by 0.68%. Overall truck segment (including pickup, SUVs and vans) values decreased by 0.34%, lowest we have seen in the previous

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Dealer Incentives For 2017 Models in Georgia – Chevrolet

Dealer Incentives For 2017 Models in Georgia – Chevrolet     Chevrolet Year   Chevrolet 36mo 48mo 60mo 72mo     Cash  2017 Bolt EV LT (2LT) 0 – – – – GMF APR Incentive Program (GM Financial) 0 0.029 0.029 0.029 0.049 2017 Bolt EV Premier (2LZ) 0 – –

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Dealer Incentives For 2017 Models in Georgia – GMC

Dealer Incentives For 2017 Models in Georgia – GMC     GMC Year   GMC 36mo 48mo 60mo 72mo     Cash         2017 Acadia Limited 0 – – – – GMF APR Incentive Program (GM Financial) 0 0.029 0.029 0.029 0.049 2017 Acadia SL 1SV 0 –

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Dealer Incentives For 2017 Models in Georgia – Buick

Dealer Incentives For 2017 Models in Georgia – Buick     Buick Year Buick 36mo 48mo 60mo 72mo Cash  2017 Cascada 1SV 0 – – – – GMF APR Incentive Program (GM Financial) 0 STD STD STD STD 2017 Cascada Premium (1SP) 0 – – – – GMF APR Incentive Program (GM

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12 Cars With The Worst One-Year Resale Value – 2016

12 Cars With The Worst One-Year Resale Value – 2016     Depreciation is typically one of a new vehicle’s biggest long-term ownership costs, and a new car shopper should keep in mind projected resale/residual values to ensure they’ll get the biggest return down the road at trade-in/sale time. Vehicles

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Vehicle Value Depreciation Rate – November 8, 2016

Vehicle Value Depreciation Rate – November 8, 2016     Overall car values decreased by 0.53% last week. This is lower than the average depreciation rate of 0.75% seen in the previous four weeks. Prestige Luxury Car declined the most, dropping by 1.03%. Sub-Compact Car declined by 0.76%. Full-Size Car

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Vehicle Value Depreciation Rate – November 1

Vehicle Value Depreciation Rate – November 1   Market Decline Overview – Overall car segment values decreased by 0.80%. – Mid-Size Car segment declined the most by 1.20% – Sporty Car segments declined by 0.88%. – Truck segment (including pickup, SUVs and vans) values decreased by 0.76% – Crossover/SUV segments

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USAA Diminished Value Department

Question: Who is the worst insurance carrier? Answer: USAA (United Services Automobile Association) Below are the contact details of the individuals at USAA who handle Diminished Value claims: R.J. Brauneker | Manager | Insurance Operations Auto, Security, & Recovery- Physical Damage, P&C Insurance Group, USAA 9800 Fredericksburg Road, San Antonio, Texas 78288

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Atlanta’s #1 Car Appraisers

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