Well, funny how things happen....Two days ago my foot slipped off of the clutch while parking (in reverse) and my car backed into another car, dimpling the corner of the other car's bumper. There was no damage to my car. The other car is also insured through USAA. I reported the claim to USAA, indicating I was at fault. The agent was very professional throughout the conversation but at the end told me that this could cause my rates to increase. I told him I'd be saying goodbye to USAA if they raise rates on me. I had a glass claim in 2005 for rock damage to my windshield. Then my only other claim in 25 years was back in 1992 (about $5K, hit black ice and rolled my car). They said it's USAA policy to inform members of a possible rate increase anytime a member is at fault. What they really said to me was: Your 25 years of loyal membership with minimal claims bears no significance, we'll raise your rates if we think we need to.

I really don't think this will result in a rate change, but we shall see. I'll post an update when I have more info.