Bodily Injury Liability

Provides coverage when you are legally liable for injury or death caused by your vehicle. Minimum coverage of $15,000 per person / $30,000 peroccurrence required by state law.

Medical

Provides coverage for reasonable medical and hospital costs if you or your passengers are injured as the result of an auto accident, no matter who is at fault. (Optional)

Uninsured/Underinsured Motorist

Provides coverage if you, covered family members, or passengers are injured or killed in an accident involving a legally liable uninsured or underinsured driver. This protection also includes Uninsured Motorists Car Damage coverage, which may pay you up to $3,500 for damages to your vehicle if you do not have collision coverage, or your collision deductible may be waived.

Uninsured Motorist Bodily Injury

Provides coverage if you, covered family members, or passengers are injured or killed in an accident involving a legally liable uninsured driver.

Underinsured Motorist Bodily Injury

Provides coverage if you, covered family members, or passengers are injured or killed in an accident involving a legally liable underinsured driver.

Uninsured Motorist Property Damage

Provides coverage if an insured vehicle is damaged in an accident in which the owner or operator of a motor vehicle who is legally liable does not have liability insurance.

Property Damage Liability

Provides coverage for damage to another person’s car or property caused by a car you own or drive.
Minimum coverage of $5,000 required by state law.

Comprehensive

Coverage if your vehicle is stolen, vandalized or damaged by fire, earthquake, flood, falling objects or several other causes not involving collision.

Collision

Coverage for damage to your vehicle caused by a collision with another car or object, regardless of who is at fault. Required if there is a loan or lease on the car.

Personal Injury Protection (PIP)

Provides coverage to pay basic expenses for an insured and his or her family in states with no-fault auto insurance. PIP usually includes benefits for medical expenses, loss of work income, essential services, accidental death and funeral expenses. This coverage is mandatory.

Automobile Death Benefits

Pays $15,000 upon death from an auto accident, including being struck by a motor vehicle as a pedestrian.

$50 Comprehensive Safety Glass Deductible* - CA Only

Select this optional coverage and should you experience damage to your vehicle’s windshield and/or door glass, we’ll reduce your comprehensive deductible and you’ll pay only $50.

New Car Added Protection*- CA/NV Only

Coverage that will pay for repairs or replaces your new car without depreciation should it be damaged or totaled in a covered loss.

Rental Reimbursement - UT Only

This optional coverage pays for a rental car in the event of a covered loss on an insured vehicle. The coverage limitations are maximums of $30, $40, or up to $50 per day, for a maximum of 25 days. [top]

*Applies only to covered losses and is not available for all policies. Ask your AAA Insurance representative for details.

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These summary descriptions are not a contract, and are intended solely to inform you about the features of auto insurance. The actual insurance policy determines exact obligations. AAA provides auto insurance products underwritten by the Cal State Auto Group and others.