I was recently rear ended and my car was totalled(trough no fault of my own). USAA gave me an appraisal from CCC1 that was $3000 lower than the Market Value of the car. What USAA doesn't want you to know is they use internal appraisers who are biased. The comparables they used were not even close to my car and they would not budge on the price. I had to invoke the "Appraisal Clause" and hire my own appraiser at my own cost. USAA still did not budge and now I have to pay for an umpire to settle the dispute. Great way to treat your customers.
I have been with USAA for over 15 years, and I will now be closing out all of my services and I suggest you do the same.