
Making a Triple A insurance claim after an accident can be a daunting task, but it doesn't have to be. To start, you'll need to have your policy information and details of the accident readily available.
You'll need to call the Triple A customer service number, which is 1-800-AAA-HELP (1-800-222-4357), to report the accident and initiate the claims process. This number is available 24/7, so don't worry about timing.
Filing a Claim Guide
To file a claim with AAA, start by calling 1-800-672-5246. Your claim will be assigned a representative who will contact you to discuss the accident and make arrangements for vehicle repairs.
Be aware that your conversations with the representative may be recorded, so be careful when discussing the details of the accident. It's a good idea to consult with a car accident attorney before speaking with your insurance company's claim representative.
If you're considering handling the claim on your own, you can file a property damage-only claim through AAA's online portal or by contacting your local office. They'll have a representative perform a damage assessment or ask you to get an estimate for repairs.
Once they have a price, you can choose where to take your vehicle for repairs. AAA will then take your deductible from the amount and pay you or send the money directly to the repair shop.
Auto Insurance Claims

Filing an auto insurance claim with AAA can be a straightforward process. To start, you can call 1-800-672-5246 to report the incident.
Your claim will be assigned to a representative who will contact you to discuss the details of the accident. They'll make arrangements for vehicle repairs.
Be aware that conversations with insurance company representatives are likely being recorded. It's a good idea to be careful when speaking with your claim representative.
It's also a good idea to talk to a car accident attorney in Houston before speaking with your insurance company's claim representative.
After an Accident
After an accident, it's essential to investigate what happened and build a solid case to show the other driver acted negligently and is liable. This will help you value your case, including your future and intangible losses.
You can file a claim with AAA by calling 1-800-672-5246, and a claim representative will be assigned to your case. Be careful when speaking with your claim representative, as the conversation is likely being recorded.

AAA will conduct its own investigation, looking to prove their policyholder is not liable, so it's crucial to work with an attorney to protect your rights. A car accident lawyer can help you navigate the system and get a fair settlement.
You should only provide basic information about the accident or have your attorney speak with the adjuster, as they may request a recorded interview. The adjuster will make their determination of fault and prepare an offer if their policyholder is liable.
Here are the steps involved in the process:
- You investigate what happened and build a solid case
- You value your case, including your future and intangible losses
- You prepare a demand for a fair payout and submit it to the AAA insurance adjuster
- AAA conducts its own investigation and makes a determination of fault
- They prepare an offer if their policyholder is liable
- You counter-offer and possibly negotiate
- You reach a fair settlement agreement or consider additional options
It's worth noting that AAA has a playbook to keep victims in the dark about their compensation, and you'll need to find the specific set of rules that apply to the branch you're using. A car accident or personal injury lawyer can help you navigate this complex system and get the fair treatment you deserve.
Documenting Expenses
Documenting your expenses is crucial when making a AAA insurance claim. Keeping track of receipts and expenses related to the accident is essential.

Keep a record of every payment you make, no matter how small, as these can add up quickly. This includes any receipts you receive for repairs or services.
Give all your receipts to your lawyer for safekeeping, so they can use them to support your claim. This will help ensure you receive the compensation you deserve.
Reviews and Contact
To file a claim with AAA Mid-Atlantic Insurance, you can start by contacting their office at One River Place in Wilmington, Delaware.
The address is 800 N. King Street, Wilmington, DE 19801, but you can also report a claim by phone at 800-207-3618.
For more information or assistance, you can visit their website or reach out to their office directly.
Reviews
Reviews of AAA Insurance have been mixed, with some customers praising their road service but others expressing disappointment with their insurance policies.
Many customers have reported poor customer service from AAA's insurance department. They've mentioned being told that there was nothing more that could be done when filing a claim.

Some customers have experienced exclusions on their policies that weren't clearly stated, which can be frustrating and unfair. This can lead to disputes over claim settlements.
Customers who've had to file a claim after a car accident often report poor response times from AAA's insurance team. They've mentioned being offered settlements that were too low, which can be a significant financial burden.
AAA's representatives have been known to tell customers that there's nothing more that can be done, forcing them to accept a claim that seems unfair. This can be a difficult and stressful experience for those involved.
Contacting Mid-Atlantic
Contacting Mid-Atlantic is a straightforward process. You can reach out to them by mail at One River Place in Wilmington, Delaware 19801.
If you need to report a claim, you can call 800-207-3618.
Settlements and Verdicts
Most triple A insurance claims are settled without going to court, but if a claim does go to trial, the insurance company may be required to pay the policyholder the full amount of the claim.

The average cost of a triple A insurance claim is around $10,000, but this can vary widely depending on the type of claim and the circumstances.
In some cases, the insurance company may offer a settlement to the policyholder, which can be a lump sum payment or a series of payments over time.
Policyholders should carefully review any settlement offer to ensure it is fair and reasonable, and should not be afraid to negotiate if they feel the offer is too low.
A settlement can be a good option for policyholders who are facing financial hardship or who are unable to afford the time and expense of a trial.
Frequently Asked Questions
How long does AAA take to pay a claim?
AAA doesn't have a specific time limit to pay a claim, but it must respond within 40 days and resolve the claim in a "reasonable" amount of time. The exact timeframe can vary significantly, making it difficult to estimate when a claim will be settled.
How long do you have to report an accident to AAA?
You have flexibility to report an accident to AAA at any time, but it's best to do so as soon as possible from a safe location. You can file a claim online 24/7 for convenience.
Does insurance go up after a claim AAA?
Yes, your insurance premium may increase after a claim, especially if you're the at-fault driver, with the amount influenced by your driving history and the severity of the incident. Check your policy details for more information on how claims affect your premium.
Do I pay deductible if not at fault AAA?
If you're not at fault in an accident, your deductible may be waived if we can identify the other party's fault and liability coverage. We'll review the details to determine if your deductible can be waived.
Sources
- https://www.sandiegoaccidentinjurylawyer.com/aaa-auto-insurance-claims.html
- https://www.dolmanlaw.com/insurance-claims-lawyer/aaa/
- https://flemingattorneys.com/insurance-attorney/aaa/
- https://www.millerandzois.com/car-accidents/insurance-claims-settlements/aaa-mid-atlantic-injury-claims/
- https://www.morrisbart.com/blog/aaa-insurance-accident-claims/
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