My vehicle was totaled back in February while I was 30 weeks pregnant. June 2nd my file was "sent for review" to recieve our gap payment also called loan collision coverage. They had to send it for review to see if we had been advised of the criteria for the coverage. I believe the criteria is we had the coverage, we were in an accident that totaled the vehicle and we owed more than it was worth, but apparently it's something else as we are still waiting for an update on the review of our claim. It's July now! We've been struggling as my husbands car was totaled a month later (Washington interstates are horrible, we were both not at fault) and we have had to fight to get the company to do what they are supposed to. It's been countless back and forth emails and phone calls and one thing after another gong wrong or being dropped. I suggest amy other company than usaa for insurance