When I was 17 years old, I was in a car wreck. The man in the blue Ford F150 on my right hand side made a left turn and stopped dead in the middle of the road. Breaking as best I could, I still T-Boned him as there was no where else to go. The officer on the scene sited me, claiming that I had had been tailgaiting and failed to stop in time. I asked the officer, "How can I possibly be at fault? I couldn't have been tailgating as he was in the right lane and I was in the left. He's the one who made a left turn from the right lane and stopped dead in the middle of flowing traffic." The officer was unsympathetic to my logical argument and believed that because I was 17 and the other guy was 35 that obviously I was to blame.
USAA came to my rescue. After reviewing the accident report and applying simple logic, it became evident that there was no way that I could have been at fault. USAA petitioned the police department to ammend the accident report and correct the error -- which they did.
If it had just been me, and I didn't have the backing of USAA to add clout to my claim, I would have been left responsible for damages that were not my fault.
I'm extremely grateful that USAA was able to right that wrong. I'll always be a USAA customer. I'm very pleased to be a part of the family.