Jeffrey Wade
AAA offers a range of auto insurance coverage options to meet your specific needs and budget. The level of medical coverage provided by AAA auto insurance includes medical payments coverage, also known as MedPay, which covers medical costs for you and your passengers, regardless of who is at fault in an accident. This coverage extends to when you are a passenger in someone else's car or a pedestrian. Additionally, AAA offers personal injury protection (PIP), which is similar to MedPay but also covers lost wages, funeral expenses, and more. Uninsured and underinsured motorist coverage (UM/UIM) is also available, providing protection in the event of an accident caused by a driver with insufficient insurance. This coverage includes medical bills for you and your passengers.
| Characteristics | Values |
|---|---|
| Bodily Injury Liability | Covers injuries to a person in the other car if you cause an accident |
| Medical Payments | Covers medical bills for you and your passengers, no matter who is at fault |
| Uninsured Motorist Property Damage | Covers damage to your car from an accident where the uninsured driver is at fault |
| Property Damage Liability | Covers the cost of repairs if your vehicle damages someone's car or property |
| Rental Reimbursement | Pays for your rental car costs when your vehicle is in the shop and the repairs are covered by your insurance policy |
| Accidental Death Benefits | Pays end-of-life expenses if you’re involved in a fatal collision and don’t have life insurance coverage |
| New Car Added Protection | Pays for repairs or replaces your new vehicle without depreciation if it is damaged or totaled in a covered loss |
| Comprehensive Coverage | Covers theft and vandalism, weather-related damage, hitting an animal, and road debris |
| Collision Coverage | Covers damage to your vehicle, regardless of who is at fault |
| Personal Injury Protection (PIP) | Covers medical expenses, lost wages, and funeral expenses for you and your passengers, no matter who is at fault |
| Uninsured and Underinsured Motorist Coverage (UM/UIM) | Helps pay for property damage and medical bills if you are in an accident with a driver with little or no insurance or a hit-and-run crash |
What You'll Learn
Bodily injury liability
When selecting the limits of any liability coverage, it is recommended to purchase coverage equal to the net asset value that you could reasonably lose if you cause damage to others. It is generally advised to consider purchasing higher limits than what your state requires.
The minimum coverage requirements for bodily injury liability vary by state, ranging from $10,000 to $50,000 per person and $20,000 to $100,000 per crash. However, you can choose to carry more coverage than the minimum requirement, and many people do.
In addition to bodily injury liability, AAA also offers other types of coverage, including property damage liability, medical payments coverage, uninsured and underinsured motorist coverage, and comprehensive coverage, each designed to protect you financially in different scenarios related to vehicle ownership and operation.
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Medical payments
In some states, Medical Payments coverage is a requirement, ensuring that drivers and their passengers are protected in the event of a crash. Even if it is not required in your state, it is a valuable addition to your auto insurance policy. The coverage limits for Medical Payments insurance can vary by state, so it is important to check the specific requirements and recommendations for your location.
Additionally, Medical Payments coverage can complement other types of insurance. For example, if you have health insurance, Medical Payments insurance can cover any reasonable and necessary medical expenses that are not covered by your health insurance provider. This includes any co-insurance or deductible provisions that you may be responsible for under your health insurance policy.
By including Medical Payments coverage in your AAA auto insurance, you can ensure that you and your passengers are protected in the event of an accident, regardless of who is at fault. This type of coverage can provide valuable financial assistance and peace of mind while on the road.
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Uninsured motorist property damage
The benefits of UMPD coverage become evident when you consider the potential financial burden you may face if involved in an accident with an uninsured or underinsured driver. Repair costs for your vehicle can quickly accumulate, and if the other driver lacks sufficient insurance, you may be left bearing the brunt of the expenses. UMPD coverage provides a safety net in such situations, ensuring that you are not solely responsible for these unforeseen costs.
In addition to repair costs, UMPD coverage can also extend to other types of property damage. For instance, if your home or other property is damaged as a result of the accident, UMPD can provide financial assistance to rectify the situation. This aspect of the coverage underscores its comprehensive nature, addressing not only vehicle repairs but also broader property damage concerns.
While UMPD coverage offers valuable protection, it is important to recognize its limitations. Firstly, it may not be available in all states, and even where it is offered, the specific requirements and policy details can vary. It is essential to consult the laws and regulations of your state to understand the availability and specifics of UMPD coverage in your region. Additionally, UMPD coverage typically does not include a deductible, and in certain states, it may not cover hit-and-run accidents, making it crucial to complement it with collision coverage for comprehensive protection.
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Property damage liability
When selecting the limits of any liability coverage, it is recommended to purchase coverage equal to the net asset value that you could reasonably lose if you cause damage to others. It is generally advisable to consider purchasing higher limits than what your state requires.
The minimum coverage requirements for property damage liability vary by state, ranging from $5,000 to $25,000 per crash. However, you can choose to carry more coverage than the minimum requirement, and many people do.
Full coverage auto insurance typically includes a 100/300/50 liability policy, which means it provides $50,000 in property damage coverage per crash. While full coverage is not required in most states, your lender may require it if you are financing or leasing your vehicle.
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Personal injury protection
PIP provides financial protection for you and your passengers by covering medical expenses resulting from an accident. This includes payments for hospital stays, surgeries, medications, and other treatments required due to injuries sustained in a car crash. It also covers lost wages if you are unable to work during your recovery period, which can be crucial in maintaining financial stability during challenging times.
Additionally, PIP can provide coverage for funeral expenses in the unfortunate event of a fatality. This aspect of PIP ensures that your loved ones are not burdened with additional financial strain during their time of grief. It is a valuable supplement to other insurance coverages, such as liability insurance, which primarily covers the expenses of the other party involved in an accident.
The level of PIP coverage offered by AAA Auto Insurance can vary by state, as each state has its own minimum requirements for medical coverage. It is recommended to consult with a local AAA Insurance Agent to understand the specific coverage options available in your state and choose the right policy for your needs. They can guide you through the process of customizing your policy to ensure you have the protection you need.
By including Personal Injury Protection in your auto insurance, you can have peace of mind knowing that you and your passengers are financially protected in the event of an accident, regardless of who is at fault.
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Frequently asked questions
Bodily injury coverage and property damage liability coverage are the foundation of any auto insurance policy and are required in most states.
Bodily injury coverage pays for injuries to a person in the other car if you cause an accident. It also covers injuries to other people such as pedestrians and passengers in your car.
Property damage liability coverage pays for the cost of repairs if your vehicle damages someone else's car or property.
Medical payments coverage covers your and your passengers' medical bills, no matter who is at fault.
Uninsured motorist coverage covers damage to your car from an accident where the uninsured driver is at fault.
