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usaa coverage choices after an accident—stick with standard or upgrade?

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(@puzzle485)
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Had a minor fender bender recently (totally my fault, ugh) and now I'm looking at my USAA insurance options. Basically, I can stick with my current standard coverage, which is cheaper but might leave me hanging if something bigger happens later...or upgrade to a more comprehensive plan that's pricier but covers way more scenarios. Kinda torn here, you know? Curious what others have done after accidents—did you stick with basic or bump up your coverage?

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