My best friend used to work for Progressive, but also worked for several of those 3rd party companies you mentioned the at-fault person's company had contracted out to. Let me tell you, if they are anything like the three different ones he has worked for, you'll get your money a long fucking time from now. Those companies are universally understaffed and overloaded with work. Turnover is through the roof because employees don't realize what they were signing up for. He's had over a hundred claims at once on his desk, and when someone else quits, he's likely to get fifty more. There is literally not enough time in the day (let alone the strict 8 hour no overtime because the company can't afford it workday) to even look at each claim, let alone work on resolving them. He takes one phone call and gets three voicemails during that time. Fortunately he's improved his employment since then, but you get the point. It isn't USAA, it is the other company, and there isn't a lot they can do about it if the other person is at least sending out the form letter every 30 days stating they are working on it. Hell, he's spent an entire day doing nothing but sending those letters out (because you can be fined by the insurance board if you don't), which means a full day of not working a single claim.
In other words, fuck working for anyone but a major carrier if you have to be in insurance.
