I've been going through a similar problem with USAA regarding the diminshed value claim on my wife's jeep. Another USAA drive hit her head on (he was 100% at fault) and did nearly $10k worth of damages. USAA is offering $650.00 in diminished value. I hired an independent estimating company that specializes in diminished value (which cost $250.00) that supplied USAA with a detailed 13 page report stating the diminished value was closer to $7k. USAA came back with $650.00 again. At this point I am filing a omplaint with my state's insurance commission and hiring a lawyer. Sad, I've been a USAA member for almost 20 years. Hope they treat you better.