Understanding AAA Accident Insurance Coverage Options

AAA accident insurance coverage options can be overwhelming, but understanding the basics can help you make an informed decision.

AAA offers several coverage options, including collision coverage, which pays for damages to your vehicle if you're involved in an accident.

You can choose from various deductible options, ranging from $0 to $1,000, to fit your budget and financial situation.

Having a higher deductible can lower your premium, but it's essential to consider whether you can afford the out-of-pocket costs if you need to file a claim.

AAA also offers comprehensive coverage, which protects your vehicle against non-collision events like theft, vandalism, and natural disasters.

This coverage can provide peace of mind and financial protection, especially if you live in an area prone to severe weather or have a valuable vehicle.

AAA's accident insurance policies also often include roadside assistance, which can help you get back on the road quickly and safely after an accident.

With roadside assistance, you can get help with services like towing, fuel delivery, and lockout service, even if you're not involved in a collision.

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AAA accident insurance covers a wide range of incidents, but let's break down the types of insurance included in full coverage.

Bodily Injury Liability is required in all states except Virginia, New Hampshire, Florida, and New Jersey, and it covers liability for other people's injuries caused by the policyholder.

Property Damage Liability is required in all states except Virginia and New Hampshire, and it covers liability for other people's property damage caused by the policyholder.

Collision insurance is not required by any state, but a lender or lessor might require it, and it covers collision damage to the policyholder's vehicle regardless of who is at fault for the accident.

Comprehensive insurance is also not required by any state, but a lender or lessor might require it, and it covers non-collision damage to the policyholder's vehicle from things like animals, extreme weather, vandalism, or theft.

Here's a breakdown of the types of insurance included in full coverage:

MedPay is required in Maine and New Hampshire, and it covers injuries to the policyholder and their passengers after an accident, regardless of fault.

AAA accident insurance is a supplemental insurance plan that helps cover costs if you suffer an accidental injury. It's not part of the standard full coverage policy, but it can be added as an extra layer of protection.

Accident insurance can help cover medical expenses, lost wages, and other related costs. This can be a lifesaver if you're involved in a serious accident and need medical attention.

Some states require certain types of insurance to be included in full coverage policies, but accident insurance is not one of them. However, if you live in a state that requires uninsured or underinsured motorist coverage, you may be able to add accident insurance to your policy.

Here are some of the key benefits of accident insurance:

It's worth noting that accident insurance is not the same as personal injury protection (PIP) or medical payments coverage. While these types of insurance may provide some similar benefits, they are not the same thing.

Accident insurance can be a valuable addition to your full coverage policy, especially if you're concerned about medical expenses or lost wages after an accident.

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AAA Accident Assist is a valuable feature that comes with full coverage from AAA. It dispatches a tow, schedules a repair facility, starts an insurance claim, and arranges for a rental car in case of a crash.

The comprehensive policy from AAA comes with a range of benefits, including faster claims service, 24/7 roadside assistance, discounts on repairs, in-branch DMV services, and an average savings of $376 when you switch your insurance to AAA.

Here are the main features included in the comprehensive auto insurance policy from AAA:

With AAA's comprehensive auto insurance policy, you can enjoy a range of benefits that go beyond just protecting your vehicle. The policy comes with faster claims service, 24/7 roadside assistance, discounts on repairs, in-branch DMV services, and an average savings of $376 when you switch your insurance to AAA.

In the event of a crash, AAA's Accident Assist service will dispatch a tow, schedule a repair facility, start an insurance claim, and arrange for a rental car. This can be a huge relief, especially if you're not familiar with the area or don't have time to deal with the aftermath of an accident.

The comprehensive policy from AAA covers a wide range of benefits, including collision coverage, rental reimbursement, gap insurance, medical payments, and accidental death benefits. These features can provide you with peace of mind and financial protection in the event of an accident.

Here are some of the key features included in the comprehensive auto insurance policy from AAA:

If your car is a total loss after a crash, AAA's Enhanced Total Loss Replacement feature will pay to replace it with a new model. This can be a significant benefit, especially if you're still making payments on your vehicle.

With AAA's full coverage insurance, you can enjoy additional benefits, including claim forgiveness and enhanced total loss replacement. However, the cost of full coverage insurance can vary depending on your driver's age, with 16-year-olds paying an average of $12,301 per year and 45-year-olds paying an average of $2,816 per year.

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One of the most exciting benefits of our insurance plan is the Disappearing Deductible feature. This means your Comprehensive and Collision deductible can decrease by $50 on each vehicle for every policy term you're claim-free.

You can earn up to a maximum reduction of $500, which can add up quickly if you're a safe driver.

The more policy terms you go without making a claim, the lower your deductible will become, giving you more savings in the long run.