Funny anecdote about USAA- I witnessed a bad accident 3 weeks ago and was the first one to get to the injured. USAA called 10 days later to ask if I could tell them what happened. Without knowing who they insured I told my story. The driver who was egregiously at fault was the USAA driver. (My unconfirmed guess is that the USAA member was impaired in some way - probably dementia. 3 witnesses and a police report are at odds with his story.)

I mentioned to the USAA rep that I used to be a USAA member and was happy to help. And she asked why I left. I gave her the same reasons found in this thread. Without saying so directly she agreed. She'd been with USAA over 20 years and had plenty to say about the difference in members from her perspective. The professionalism from members with claims she saw at the beginning of her career is gone. She was sad and so am I.