I had USAA fir 25 years with only 1 minor fender benders totaling less than $4,000, and a broken rear window. My wife was hit, not her fault, by an Oklahoma City cop and USAA told us that OKC self insures. They offered to cover it and get reimbursed from the city and my wife said OK. 2 weeks later they notified me that my rates were going to tripple because we had too many accidents. I told USAA to pound sand and have never looked back.