As a 40 year USAA customer I had good luck with USAA until I was hit (car was parked) by another USAA insured driver. In spite of my insistence my car (a pristine show car Camaro) was fixed with claped out used parts, mismatched headlights, etc. I have not driven it since.I did flooring repairs for USAA insurance for 5 years.
They paid above normal rates to treat their members like royalty and thats exactly what they told me.
I did everything I could to make sure their members were happy because my company made so much money doing the work.
USAA auto insurance will do well by you if the other insurance is paying. Not so much if they are.
As to the thread poster, most states have laws that allow you to take the car to the shop of your choice for repairs. You do not have to go where they want.
You should also mention to the adjuster that you are going to make a diminished value claim for the damage to the car. If you are making a doctor's/chiropractors appointment due to the neck pain that showed up a day or two later that would also be worth mentioning.