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I thought the victim's car insurance fought for fair market value so it's incumbent upon USAA to "sue" the person's at fault insurance company for maximum value for you. That's the way it worked for me over 30 years ago, newer Mitisubishi rear ended my 88 Saab 900 Turbo with well over 200K miles on it. Guy's insurance company offered $800 for it. I said no way and my insurance company asked me to back up what I wanted. Gave them every single receipt and similar cars for sale on saabnet.com and they ended up getting $4400 for me.
USAA has to fight for you for what your car is worth and how much it will cost in out of pocket and time and the car itself.
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Tru6 Restoration & Design
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