If you have insurance with AAA and you\u2019ve been in a car accident, you may be wondering how the company’s claims filing works. To file a car accident claim with\u00a0AAA, you can simply call their 24\/7 claims call center. The claims representative will ask you to give them specific details, including the following:<\/p>
AAA will also want to see the police report if you have one.\u00a0<\/p>
AAA, or the American Automobile Association, is a company of motor clubs throughout North America. This privately held not-for-profit national member association and service organization have over 60 million members in the United States and Canada. AAA provides various services to its members, including roadside assistance and insurance coverage.<\/p>
AAA offers a variety of membership plans so that you can choose the one that is best for you. Members can choose between basic, plus, premier, or other membership offerings. Many plans include towing and lockout services in addition to all other AAA membership benefits. <\/p>
Potential members can also use AAA\u2019s online tools to get free insurance quotes and estimates.<\/p>
AAA has extra benefits that can be helpful in case of an emergency. For example, AAA members can get discounts on hotel stays, rental cars and other travel expenses. They also have access to a 24-hour roadside assistance service. This can be a lifesaver if you have a flat tire or need help jump-starting your car.<\/p>
Because AAA is a federation of regional clubs, exact car insurance options vary based on location. To learn more about what\u2019s available in your area, go to AAA\u2019s website and enter your ZIP code. This will route you to the homepage of your regional AAA.<\/p>
Here\u2019s a look at the three main groups that offer AAA car insurance and the states where they are available.<\/p>
Auto Club Enterprises<\/strong><\/p> Regional clubs that fall under Auto Club Enterprises include:<\/p> AAA car insurance from Auto Club Enterprises is available in the following states:<\/p> CSAA Insurance Group<\/strong><\/p> Regional clubs that fall under CSAA Insurance Group include:<\/p> AAA car insurance from CSAA Insurance Group is available in the District of Columbia and the following states:<\/p> The Auto Club Group<\/strong><\/p> Regional clubs that fall under The Auto Club Group includes:<\/p> AAA car insurance from The Auto Club Group is available in the District of Columbia and the following states:<\/p> Here\u2019s a look at the core coverage types you can buy through AAA car insurance:<\/p> Liability car insurance\u00a0covers accidental injuries and property damage to others if you cause a car accident. It also pays for your legal costs, judgments, and settlements if you are sued because of an accident. In most states, drivers are required to carry a minimum amount of liability insurance.<\/p> Personal injury protection\u00a0(PIP) is a required coverage in no-fault states. PIP pays for your medical bills if you get hurt in an accident, no matter who is at fault. It also extends coverage to passengers riding in your car who are also injured. If you live in a fault state, PIP is often available as an endorsement for extra protection.<\/p> Comprehensive insurance\u00a0pays to repair or replace your car if it\u2019s damaged due to problems like fires, floods, severe weather, vandalism, theft, falling objects and collisions with animals. The maximum payout for comprehensive insurance is the actual cash value of your vehicle if it is totaled, minus your deductible.<\/p> Collision insurance pays to repair or replace your car after an accident, no matter who is at fault. It also covers accidents with stationary objects, like a guardrail or telephone pole. The maximum payout for collision insurance is the actual cash value of your vehicle if it\u2019s totaled, minus your deductible.<\/p> Collision and comprehensive insurance\u00a0are optional coverage types that are usually sold together. If you have a lease or loan, you\u2019ll likely be required to have both.<\/p> While uninsured motorist coverage\u00a0is required in some states, it is optional in other states. If a driver crashes into you and they don\u2019t have insurance or don\u2019t have enough insurance to cover your losses in full, uninsured\/underinsured motorist coverage will provide additional coverage for you and your passengers\u2019 injuries. <\/p> In some states, you can buy coverage for damage to your car caused by an uninsured driver.<\/p> Medical Payments insurance\u00a0(MedPay) pays for your medical bills if you, a family member or a passenger in your car gets injured in an accident. It covers expenses such as ambulance rides, X-rays, surgery, prescription medication and rehabilitation.<\/p> Most customers with AAA auto insurance receive a discount for being a AAA member. You may also be able to save by:<\/p> Like most insurers, AAA\u2019s insurance companies offer many discounts, but they differ by state and company, so check with your local AAA club to see which are available to you.<\/p> Like many other insurance companies, the first step to receiving compensation for your injuries is to file a claim with AAA itself. According to AAA itself, the filing process has a few different steps and utilizes technology-based platforms.\u00a0<\/p> To seek compensation from your or another driver’s AAA insurance policy, you must:\u00a0<\/p> All this can seem overwhelming if you’re still recovering from your injuries. Know that you don’t have to handle the claims process alone\u2014you can hire a car accident attorney to handle these tasks on your behalf.<\/p> While proceeding to trial may be the ideal avenue for redress in some cases, many car accident victims choose to settle with their insurance companies outside of court. If you are interested in settling your AAA car accident claim, an attorney may be able to help you. <\/p> This is because experienced car accident\u00a0settlement lawyers know\u00a0how to do the following things:<\/p> Unfortunately, there is no set time limit for settling AAA insurance claims. The amount of time it takes to settle your claim will depend on many factors, including the complexity of your case, the extent of your injuries and property damage, and the insurance company\u2019s willingness to negotiate fairly. <\/p> This process may take anywhere from a few months to a few years.<\/p> Although each insurance claim is a unique situation, these typical factors could delay the process: <\/p> An attorney can prepare you for these and other potential obstacles to keep your AAA claim moving forward.<\/p> Insurance claims involving AAA take a while to be settled, but there are a few steps you can take to speed up the process, including: <\/p> Again, hiring an attorney can also help you keep your insurance claim on the right track while also protecting your rights and advocating for your financial recovery. Your lawyer will handle communications with the insurer to ensure you provide enough information without jeopardizing your claim.<\/p>AAA insurance coverages<\/strong><\/h2>
Liability car insurance<\/strong><\/h3>
Personal Injury Protection (PIP)<\/strong><\/h3>
Comprehensive insurance<\/strong><\/h3>
Collision insurance<\/strong><\/h3>
Uninsured\/Underinsured motorist insurance<\/strong><\/h3>
Medical Payments insurance<\/strong><\/h3>
Other insurance coverage options that AAA offers include:<\/span><\/h5>
AAA Auto insurance discounts<\/strong><\/h2>
How do I file a claim with AAA Insurance?<\/strong><\/h2>
Reaching a settlement<\/strong><\/h3>
How long does it take to settle AAA insurance claims?<\/strong><\/h2>
What could delay an insurance settlement?<\/strong><\/span><\/h2>
How can you speed up an AAA insurance settlement?<\/strong><\/span><\/h2>
Recommended Articles <\/strong><\/span><\/h2>
References<\/strong><\/span><\/h2>