Hi there! It sounds like you're having trouble with the USAA SafePilot app not recognizing that background app refresh is turned on. Let's work through this together.

1. Check Background App Refresh Settings:
- Go to Settings on your iPhone.
- Scroll down and tap General.
- Tap Background App Refresh and ensure that it's enabled at the top. This should be set to either Wi-Fi or Wi-Fi & Cellular Data.

2. Check App-Specific Settings:
- In the same Background App Refresh menu, make sure it’s toggled on for the USAA SafePilot app specifically. You may find the app listed there, and ensure that the toggle is switched on (green).

3. Verify Screen Time Restrictions:
- If you have Screen Time enabled, it could be restricting background app refresh.
- Go to Settings > Screen Time > Content & Privacy Restrictions, then check if there are any restrictions enabled that might affect background app functions.

4. Restart the App:
- Close the USAA SafePilot app completely by swiping it up from the app switcher.
- Reopen the app to see if it prompts you again regarding background app refresh.

5. Device Restart:
- If the problem persists, restart your iPhone. Sometimes a quick reboot can resolve these kinds of issues.

If you've tried all of these steps and are still encountering the same message from the app, please let me know! We can look into further troubleshooting or consider reaching out to USAA support directly at [email protected] to assist you further.

Are you satisfied with the solutions I've provided so far?