USAA said it will deliver nearly $1 billion in combined savings and returns to eligible Florida members, including a $500 million dividend, CNBC can exclusively report. The insurer credits Florida's civil litigation and tort reforms as a key reason it can send money back to policyholders. USAA says its legal costs declined after Florida moved to curb what insurers have long described as legal system abuse. In 2023, Florida passed tort reforms that shortened the statute of limitations to two