I have been with USAA for over 15years and thank god I have never really had to use them other then an occasional tow or maybe 2 broken front windows in the entire 15 plus years! Now I ffind myself looking for a new insurance company. USAA has double dipped in my account not once but twice this year due to computer errors. Now again I am on the phone trying to get them to pay my banks NSF and return the money. To much of a headache and they act like they are doing me a favor when it was there mistake. I am sooooooo over this company and there employees!