No, I didn't get into a car accident. But I did do something colossally stupid. Last month I paid my USAA Mastercard bill. Only, instead of directing the online bill payment to USAA Credit Card Services, I directed it to USAA.
I didn't realize my mistake until I received this month's bill, which was twice as high as I'd expected and included $19 in finance charges! I sat down to call USAA, expecting it to take hours, if not days to get everything sorted.
It took 5 minutes. Cheerful and enormously helpful, the credit card rep connected with the home and car insurance side of the business and they transferred the funds and refunded the finance charges.
I love USAA.