I went through a fairly painful experience with USAA and their windshield partner, Safelite, recently. I've also had them for 30+ years and went almost all of that time with nary a claim. Recently had a couple of claims that kind of annoyed me. Not ready to dump them, but I'm starting to think they aren't that "special."
My 2017 Acura MDX windshield caught a pebble a few months back. Estimate was over $1700 due to the damn lane departure warning system. My deductible was $500, so I'm on the hook for that no matter what, but part of my beef is: $1700 for a windshield??? I know that's not USAA's fault, but still -- that's like 4% of the purchase price of the whole car, for something that can break again next week.
My biggest beef with USAA is that they make you deal with Safelite and won't let you go to a dealer. Safelite SWORE they could correctly calibrate the lane departure warning system. USAA also refuses to use OEM glass. Well, after the after-market glass was installed, Safelite couldn't get the camera in place correctly or get the thing properly calibrated. Had to make another claim to get authorization for OEM glass. That finally gets installed (I had to bug Safelite several times to order the OEM glass), but they still can't get it calibrated. They basically punted and said "yeah, go to the dealer." Finally did, and, to USAA's (small) credit they did refund me the $300 for that service.
So, in summary, this process cost me $500 deductible. But it also took over a month, about 10 calls to USAA, three trips to a dealer (including an overnight stay, three trips to Safelite, etc. Remember when a windshield used to cost about $100 and they'd do it in your driveway?
I'm no luddite, but there's too much technology in these cars now...