If your car has had extensive repairs then it has been devalued by having been in an accident. Think of it as accelerated depreciation for which you are entitled compensation above and beyond the price of repairs. This obviously depends on the age and condition of the vehicle but can be substantial if it is a newer model.
Most people do not claim this depreciation which can help offset the deductible.
As others have stated, USAA is paying your claim but will file against the other driver’s company if they have insurance. If they recover your deductible should be refunded but they won’t offer the additional depreciation value unless you make a written claim for it. Everything should be in writing and copies should be retained until you have settled which may drag on a long time.
“As others have stated, “. . .
Like me. . .
;-)