I am in auto insurance. USAA is faster than most companies in handling damages. Until the other insurance company accepts liability (if they do), you owe your deductible. USAA is usually good at following up with the other carrier on their investigation, but of course you can do so as well. IF they accept, USAA may be able to either waive your deductible or advance it to you (I believe they do - some carriers don’t). If they can’t, the other insurance company should be willing to do so (again - assuming that liability has been accepted).
Have you ever been involved with a claim where video from dash cam was used, either for or against? I drive some interstate to work and the crazies that exists is leading me to think about setting one up in my vehicle. Thoughts?