You have found out what I have recently learned after being with USAA for 28 years. USAA cannot be trusted to act in good faith and with your best interest in mind when they insure both vehicles in a wreck. They do not handle the conflict of interest very well. There are at least 2 other claims with similar issues covered in this community just in the last 2 weeks. No telling what we would find if we started looking nationally for these types of issued with USAA.