USAA does not act as an agency that farms out its policies to external third-party insurance corporations; instead, it underwrites its own policies through its family of wholly owned subsidiary companies. These internal corporate entities include United Services Automobile Association and specialized carriers like USAA Casualty Insurance Company, USAA General Indemnity Company, and Garrison Property and Casualty Insurance Company, allowing them to retain direct control over underwriting, customer service, and claims payout operations.
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