I got in a fender bender about two months ago, unlucky but my fault. Called USAA at near midnight was asked a few questions by a cs girl. Was called at 9am the next day and the guy had already talked to the other person and their insurance. I was on the phone with him for maybe 10 minutes. Then got a call the next day because my dad was the main holder on the account and the check was about to be mailed to him. The guy caught this and I said I'd like it to be mailed to me. Got the check 3 days later for a decent amount. I'm now just selling the car and using the money as a down payment on another.
USAA is awesome. Its the ONLY company I actually ENJOY calling.... I mean seriously their people are great.