USAA did not refund most of my cost for excess (=valueless duplicative insurance that will not be paid out in a loss) San Antonio Texas

It is amazing the entitlement attitude that some people have. You admit you failed to read the insurance policy and verify that you had the appropriate coverage. Yet instead of acting like an adult and taking responsibility, you still want to blame them and try to get your money back.

You even went so far as to file a Small Claims case which you never were going to prevail in.

As for them sending an attorney and representative from USAA. What exactly did you expect? I guess you figure you are so important and this was the case of the centuru that the CEO themwelf would show up themself to say that they were sorry and personally write you a check. You wrote this report as if having them send an attorney was inappropriate for a small claims case. But this is common practice when major corporations are involved and totally allowed by the courts.

But let me guess..you are wondering why they would go through all of the expense of sending someone to NJ and hiring an attorney. Well remember that the attorney is likely on  retainer and gets paid whether or not they are in court. The same goes with the Representaitve, they are on salary and get paid whether or not they are in TX or NJ.

In the end you should consider yourself lucky that they refunded you any money.