My wife and I have Geico. The last couple of accidents, which were 100% the other guys fault, I've called Geico and told them to take care of it and they have. They've always warned me that I might be out the deductible, but, I've always told them to go ahead. I've yet to pay a deductible and Geico has yet to pay for the repairs. Seems to me, siccing your insurance company on the other insurance company tends to move things along. By the way, there should be some pain and injury involved and USAA best be offering to compensate.