Once upon a time I owned a body shop, hope this helps.........
Your best bet for a top quality repair is obtaining a used OEM fender---one that's rust free you might pick up at the local DIY salvage yard. The if CL find works out that's even better---already off and ready to go.
The upside to something in a yard is you can see how it fits that vehicle around the door and hood.
Almost without a doubt USAA won't pay to repaint the entire vehicle due a crunched fender--if they did good on ya but I'd be shocked. I don't recall even the better insurance coverage that would go to that extent.
Color matching CAN be achieved by any shop that mixes and tints their own paint. Even if they don't they use your fuel filler cap sent to their local supplier for something darn close. From there the process of "paint blending" could could be employed---we did it all the time and guaranteed paint matches on the estimates which no other shop would do even though they were doing the same thing as we used.
That's quick advice if I can add more please PM or post here---I don't get back too frequently these days so PM is maybe a bit quicker?