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As i mentioned before my wife and I own 3 collision shops here in Missouri and we are a Direct repair facility for USAA they are definitely one of the better companies to work with.
1. Have your crap together when talking with the adjuster.
A. Have some comparable printed out at least 3 to 5 with as close as possible miles, options, color.
B. Have receipts for any extra stuff you have done to the car.
2. Remember this is a car sales negotiation. Their job is to get this claim satisfied as quickly and cheaply as possible. (USAA does take a lot of pride in customer satisfaction numbers)
3. Unfortunately, future collectivity value is blue sky that they aren't going to pay for.
4. Be patient and don't blow up or threaten to get a lawyer because that will end negotiations.
5. As said above gap insurance is just usually paid to cover the difference in actual value to amount financed.
6. Depending on your state you should have the right to appraisal but I'd use this as a last resort because I have seen this bite some people.
Hope you find your car, but I'd say thats pretty slim odds.
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