You are insured by USAA CIC.
You are not insured by the same USAA that insured your former father -in-law. You are not a member of the reciprocal and have no rights of ownership. In fact your father-in-law and other members of the reciprocal own USAA-CIC and make money off selling their own...
I too lost a daughter. The pain never goes away. But in about 5 years it will get better. Your tragedy is simply a common event for all insurers who only care about how much it will cost them in the end. All insurance companies through time and extensive litigation have learned how to game the...