I am insured by USAA and was hit by underinsured driver while stopped at a light. As a result of the collision, I suffered a severe spinal cord injury which required emergency surgery. There was no issue of liability. My original adjuster was very helpful and told me the other driver's policy limits and that it appeared that she lacked any personal assets to pursue a individual claim against. He also informed me that it was clear that my claim would exceed both her and my insurance policies. However, I spent over a year out of... read full review »