I have had mixed results with USAA. I have been with them over 25 years, and in that time I have never had claim that was my fault. About 15 years ago, my relatively new car was hit by someone else (no fault state), and suffered what looked like minor damage. USAA decided to total the car and then gave me crappy comps. The comps they gave me were for different vehicles that were poorly equipped (one was a black car without factory A/C in Phoenix - no kidding). I went round and round with them for a month, and was treated like a thief by them the whole time. This was pre-internet days, and finally a dealer gave me a list of comps to show USAA. I ended up getting $5k more for my car than their previous final offer. Once the accident was attributed to the other driver USAA sent me my deductible back.
I had two home owners claim in 25 years. The first time I had a minor claim, and they treated my like a criminal, and gave me the run around for two weeks. Fortunately I told the independent adjuster they sent to look at the damage about the treatment I had recieved from USAA and he took care of me. The next year I got a letter in the mail threatening to drop me because of my claim history ( 1 claim in 15 years) The next homeowners claim they practically just sent me a big check???
So know I don't know what to think about them. They have been pretty inexpensive, in the past, and they always get high ratings. Many of my other buddies with USAA have had multiple claims with them, and never get hassled (maybe they just bend over and accept whatever USAA offers). I don't know why they used to give me such a hard time, and now they don't. I'm sure I have sent them close to $50K over the years that I have been with them, and all in all, they have returned about $20K.