@Queen of house Stark - It is great that USAA and Safelite were great when dealing with your claim. But if you read some of these member accounts, the concerns have nothing to do with deductibles or minimal coverages - it has to do more with sub par service from USAA and some of their many vendors that they are now using. Many of us are very familiar with premiums/deductibles and know exactly what we are getting when we sign up for our coverages, but the unknown is whether you will get a knowledgeable agent/adjuster/auto body shop/repair vendor to help with your claim. It didn't use to be that way and that I think is the ongoing issue that USAA is facing right now. USAA was the Gold Star in customer service for each and every member. Now they are no better than any other company and charge a premium for their diminishing service.
BTW - You do know that the rock chip repair does count as a "claim" against your auto policy as it gets reported to Nexus Lexus (I think this is the correct spelling). In our household, I would not even bother anymore to report a chip in the windshield - I would just get it repaired out of pocket and avoid it being reported to Nexus Lexus. The agents don't tell you this unless you specifically ask and I have.