Full Aaa Auto Insurance Coverage: What's Included?

AAA Auto Insurance offers a range of coverage options to protect you, your passengers, other drivers, and property. While the term full coverage typically includes liability, comprehensive, and collision coverages, it's important to note that it might not include all the protection you need. AAA provides additional coverage options, such as rental reimbursement, new car added protection, and accidental death benefits. Understanding the specific requirements and options available in your state is crucial before selecting a policy.

Bodily injury liability

When it comes to auto insurance, "full coverage" is a bit of a misnomer. While it generally includes liability, comprehensive, and collision coverages, there are several types of coverage that fall outside of this definition. One essential component of full coverage is bodily injury liability.

Most states require drivers to carry a minimum amount of bodily injury liability insurance, but experts recommend considering higher limits to adequately protect yourself financially. Medical costs can quickly add up, so it is suggested to opt for a policy with liability coverage of at least $100,000 per person and $300,000 per accident.

Medical payments

In addition to covering medical expenses, AAA auto insurance full coverage also includes liability coverage. This means that if you are at fault in an accident, the injuries of others will be covered, along with their property damage. This aspect of full coverage is required by law in most states, as it helps pay for the injuries and property damage of the other party involved in the accident.

Another crucial aspect of AAA auto insurance full coverage is comprehensive coverage. This optional coverage protects your vehicle from non-collision incidents, such as theft, fire, or natural disasters like floods or wildfires. Comprehensive coverage also includes windshield and window repairs, so if your car is damaged by falling objects or vandalism, you won't have to worry about the cost of replacing or repairing your windows.

Full coverage also includes collision coverage, which pays for repairs to your vehicle, regardless of who caused the accident. If your car is damaged in a collision with another vehicle or an object, collision coverage will take care of the repairs or pay for the value of your car if it is deemed a total loss. This coverage is essential, especially considering that about 13% of motorists nationwide are uninsured, according to the Insurance Research Council.

Uninsured motorist property damage

UMPD specifically covers damage to your vehicle caused by an uninsured or underinsured driver. This coverage is designed to pay for repairs to your car if it is damaged in an accident where the other driver is at fault and lacks sufficient insurance. The key distinction between UMPD and collision coverage is that UMPD solely addresses damage caused by an uninsured or underinsured driver, while collision coverage pertains to any collision with another vehicle or object, regardless of fault.

The limits and availability of UMPD vary by state. In certain states, UMPD is a mandatory requirement, while in others, it is optional or even unavailable. It's important to note that UMPD may not cover hit-and-run accidents in some states, so collision coverage becomes crucial in those cases. Additionally, UMPD might not include a deductible, depending on the state and insurer.

UMPD is particularly valuable if you already have comprehensive coverage but lack collision coverage. In such cases, UMPD ensures protection against vehicle damage caused by uninsured drivers. However, if you already have collision coverage, UMPD might be redundant, as collision coverage also encompasses accidents involving uninsured drivers.

To summarize, UMPD is a valuable addition to your auto insurance policy, especially if you reside in a state where it is mandatory or optional. It provides financial peace of mind in the event of an accident with an uninsured or underinsured driver, covering repairs to your vehicle. However, it's important to understand the specific limitations and requirements of UMPD in your state and consider the coverage in conjunction with other types of auto insurance, such as collision and comprehensive.

Property damage liability

Most states require drivers to carry a minimum amount of liability coverage to help pay for injuries or property damage to the other party in an accident they cause. The limits are typically stated as three numbers, such as 15/30/10. These numbers represent, in order, the maximum amount that your insurer will pay to each injured party (excluding you) for their bodily injuries, the total limit for all bodily injuries if multiple people are hurt, and the maximum for property damage. For example, in the case of the 15/30/10 limit, your insurer will pay up to $15,000 to each injured person, up to a total of $30,000 for all injuries, and up to $10,000 for property damage.

It is important to note that if the cost of damages exceeds the amount of your coverage, you will be responsible for the remaining cost. Therefore, it may be a good idea to consider higher limits, especially if you live in an area with a lot of expensive vehicles or if you own a home or other expensive items. You can also add an umbrella insurance policy on top of your normal car insurance to increase your coverage.

Comprehensive coverage

For example, if your vehicle sustains $1,000 in damage from a hailstorm and you have a $100 deductible on your comprehensive coverage, you will pay the first $100, and your insurance company will pay the remaining $900 of the repair bill.

Frequently asked questions