Aaa Auto Insurance: What's Covered And What's Not

AAA auto insurance offers a range of coverage options, including liability claims, collision damage, and non-accident damage. The specific coverage depends on the region and the minimum requirements of the state. AAA auto insurance typically covers liability claims, collision damage, and medical expenses for the policyholder and their passengers. It also offers comprehensive coverage for non-collision incidents, such as windshield repairs, rental reimbursement, and new car added protection. Additionally, AAA provides customized coverage options and various discounts for its members.

Collision damage

Collision coverage is an optional coverage that helps pay to repair or replace your car if you get into a crash. It covers damage to your car caused by a collision with another car or object, such as a fence, pole, or tree, regardless of who is at fault. This means that if you are involved in an accident, collision coverage can help cover the cost of repairing or replacing your vehicle, regardless of whether you or another driver was at fault.

Collision coverage is different from liability coverage, which only covers expenses if another driver is at fault and if their liability coverage is sufficient to pay for your repairs. Collision coverage also does not cover medical bills or damage to another person's vehicle. Additionally, it does not cover damage caused by storms, hurricanes, hail, tornadoes, earthquakes, riots, civil disobedience, or acts of terrorism. While collision insurance doesn't cover these types of damage, comprehensive coverage often does.

When purchasing collision insurance, it will be combined with your liability coverage. The cost of collision insurance is typically based on your driving record, the type of vehicle you drive, and your deductible amount. A higher deductible will generally result in a lower premium. Collision insurance has a payout limit, which is typically the cash value of your car at the time of the accident.

Lenders may require collision coverage as a condition of your loan. It is important to consider the market value of your car and discuss with your agent how much coverage you need. Collision coverage provides peace of mind and can help protect your vehicle in the event of an accident, regardless of fault.

Non-collision damage

Comprehensive coverage is different from collision coverage, which specifically covers damage caused by collisions with other vehicles or objects. While collision coverage is typically required by lenders as a condition of your loan, comprehensive coverage is often optional. However, it is worth considering adding comprehensive coverage to your policy to protect your vehicle from a wide range of potential damages.

The cost of comprehensive coverage will depend on the value of your car and the deductible you choose. A higher deductible will result in a lower premium. When deciding on the amount of coverage you need, it is important to consider the market value of your car. If the cost of repairs exceeds the value of your car, your insurance company may deem it a total loss and provide you with the actual cash value of the vehicle instead of covering the cost of repairs.

In addition to comprehensive and collision coverage, AAA also offers other types of auto insurance coverage, including bodily injury liability, property damage liability, uninsured and underinsured motorist coverage, and medical payments coverage. Each type of coverage has its own specific purpose, and it is important to understand what is included in your policy to ensure you have the protection you need.

By understanding the different types of coverage available and their limitations, you can make informed decisions about your auto insurance policy. It is always a good idea to review your coverage periodically and make adjustments as needed to ensure you have the right level of protection for your vehicle.

Liability insurance

In the context of AAA auto insurance, liability coverage plays a significant role. AAA's liability insurance is designed to assist in covering the costs associated with accidents that you may be responsible for. This includes repairs to the other driver's vehicle, reimbursement for medical expenses and lost wages for injured individuals, and compensation for any damaged property. For instance, if your car veers off the road and damages someone's fence, your liability insurance with AAA can help cover the repair or replacement costs.

The coverage limits of AAA's liability insurance are typically expressed as a series of three numbers. For example, a 50/100/25 policy provides coverage of up to $50,000 per person for bodily injury per accident, a maximum of $100,000 for total bodily injuries per accident, and up to $25,000 for property damage per incident. It's important to note that liability insurance does not cover repairs to your own vehicle or your own medical expenses; separate collision and medical coverage is required for those instances.

It's worth noting that the minimum auto liability coverage requirements vary by state, so it's essential to review your state's specific laws and regulations. Additionally, AAA offers various discounts on auto insurance, including discounts for safe drivers, students with good grades, and bundling home and auto insurance policies.

By including liability insurance in their auto insurance coverage, AAA provides valuable protection for its customers, ensuring that they are not financially burdened in the event of an accident where they are at fault.

Comprehensive insurance

Additionally, comprehensive insurance covers animal damage, whether it involves colliding with a deer or damage caused by animals chewing your wiring. Theft of car parts or the entire vehicle is also covered. Comprehensive insurance also provides protection against vandalism, riots, and civil disturbances. It typically covers glass damage, including windshield, door glass, and sunroof repairs or replacements.

Uninsured/underinsured motorist coverage

Uninsured motorist coverage specifically applies when you are hit by a driver with no auto insurance. Underinsured motorist coverage, on the other hand, applies when you are hit by a driver who doesn't have enough insurance to cover the damages or injuries they caused. Both types of coverage are important, as they can help protect you financially in the event of an accident.

In some states, uninsured/underinsured motorist coverage is required by law. For example, Illinois requires both types of coverage, while New Hampshire mandates that if car insurance is purchased, the policy must include both uninsured and underinsured motorist coverage. Other states, like Massachusetts and South Carolina, only require uninsured motorist coverage. It's important to check the requirements in your state to ensure you have the necessary coverage.

• Uninsured motorist bodily injury (UMBI): Covers medical bills for you and your passengers.
• Uninsured motorist property damage (UMPD): Covers damage to your vehicle.
• Underinsured motorist bodily injury (UIMBI): Covers medical bills for you and your passengers if the at-fault driver doesn't have sufficient coverage.
• Underinsured motorist property damage (UIMPD): Covers damage to your vehicle if the at-fault driver doesn't have enough insurance.

It's important to note that even if you have health insurance, uninsured/underinsured motorist coverage can still be beneficial. Health insurance may not cover all expenses related to an auto accident, and it may have a high deductible. Additionally, if you have passengers who don't have their own health insurance, this coverage can provide protection for them as well.

When determining how much uninsured/underinsured motorist coverage you need, consider choosing insurance limits that match your liability coverage. For example, if your liability coverage limits are $50,000 per person and $100,000 per accident, you may want to select the same limits for your uninsured/underinsured motorist coverage. This will ensure that you have sufficient protection in the event of an accident.

Frequently asked questions