After you feel you have exhausted all reasonable avenues with the insurance company, and you have given them fair time to address your issues and grievances, you need to report them to the authorities.
So, how do you find the authorities? Look here:
We try to provide accurate links to assist you in resolving your grievance with the insurance company you are having problems with, however, states do change their web sites from time to time, so some links may be outdated. If a link here is broken, let us know, preferably with a corrected link. But visit your state's web site and look for the information there, it should be available. You can also get additional information from the National Association of Insurance Commissioners. We recommend you review this site as well.
Again, these links are provided for informational purposes, and you will need to follow up with your state to see what assistance they can provide, as well as how to file a complaint. USAA Fraud cannot make any guarantees regarding yoru success in getting your issue resolved or your claim settled.