i have usaa and they were really good to deal with when i got hit by the deer. they took care of everything, no questions asked. all supplements were taken care of as well. they questioned nothing. i did have an issue though when my wife's sante-fe got totaled in a hit and run. they really shorted me on the amount they gave me. i tried to fight it and it went nowhere. im sure your not anywhere near a total BUT for future, if you ever have an issue where your borderline total or fix. opt to have them fix it because they wont give you squat for the car if you total. for my porsche, i actually pay a little more for them to give me 20% over book value if its ever totaled just because of that incident.