Had the adjuster from USAA out this morning. He wrote the estimate to include a replacement aftermarket bumper cover. I asked about OEM, and he said his options were to repair or replace with an aftermarket product. It's guaranteed for life so it was ok with me. Total cost (don't have it in front of me) was about $1,150 for the cover, repair work and my overly priced hitch cover!
Not having an accident for several years, it was a good experience working with USAA, their mobile app, and ability to upload pics and documents was great. They also set up a rental car. Also kudos to the local PD that made available the accident report on line within 24-hrs.
The only unfortunate thing was that another USAA member caused the accident! Main thing is that nobody was seriously hurt, cop was cool (even asked if I was carrying, i.e. CCW) and all is well.