Good luck if you try to use their MedPay coverage. The use a company called Auto Injury Solutions (AIS) that will spam mail your medical providers with repeated requests for information, even if they have already received it. They sent my providers so many requests that they got tired of dealing with them. I haven't had to use them for anything else, but the Med Pay coverage at USAA really is poor and not well-managed at all. Be prepared to be treated like a suspect even though you have a valid claim. Paid dues for 7 years with no accidents, get rear-ended and they drag feet in paying for medical care. Great rates, but this is not your father's USAA anymore.