Member since 1973. Left once in 2003 when rates became non-competitive. Recently involved in auto accident in rental car with no supplemental insurance. Simple accident, not my fault, police report, other insurance accepted culpability. Rental company claimed a very reasonable administrative fee and loss of use of auto while being repaired. Quizzed USAA and they said that the other insurance would not pay it. I asked it they (adjusters) requested them to paying and they said no. At my request they requested and were denied the additional claim. Various times in the process I had to ask for action. They always did, but only when prompted. As an aside, I had used my AMEX to rent the car and they gladly and promptly paid the additional claim. I wish I had gone through them for the claim initially instead of USAA. I expected better.