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If your motorcycle is stolen, you should first notify your local law enforcement of the theft and promptly file a police report. Immediately after, report your claim via our toll-free number: (800) 922-8228 (option 1). We will review your policy for the appropriate coverage, collect needed information and begin working on your claim.
If the vehicle is being rented in the U.S. or Canada and is being driven by the insured, the vehicle will be covered for the limits and deductibles of the insured’s current policy.
Medical payments coverage pays for reasonable and necessary medical treatment resulting from a covered accident incurred within one year of the date of loss, subject to your policy's limits.
If you have AAA Auto Insurance with us, you can have minor windshield chips and dings fixed at no cost before they grow so large you need to replace the windshield. Because the repair saves everyone money, there is no deductible required if your policy has applicable coverage. Your deductible will apply, however, if you need to have the windshield replaced.
To take advantage of our no-cost windshield repair service, a claim must be opened through our claims service by calling (800) 922-8228 (option 1). If your coverage is applicable, Safelite will arrange to have a glass technician inspect the windshield and repair as necessary.
Your insurance policy is automatically extended to and covers any driver who has a valid driver's licence as long the driver has your permission and his or her use of your vehicle is on a temporary basis only.
We cover personal property owned or used by you anywhere in the world, up to the stated policy limit. So travel all you like and sleep easy knowing you are covered with homeowners insurance through AAA.
Your homeowners personal liability insurance would apply to you in this situation because you were on a golf course. You would be covered for the injuries arising from the accident, but the golf cart itself would not be covered for damage.
Protection against damage caused by floods and earthquakes is excluded from most standard policies. However, if your property is located in a community that participates in the National Flood Insurance Program, you can purchase separate flood coverage through AAA. Earthquake coverage can also be purchased through your AAA Insurance representative. California State Automobile Association (CSAA), a AAA Member organization, offers earthquake insurance products underwritten by various insurance companies and government agencies.
Water damage to your personal property caused by burst pipes is covered. For example, if the plumbing in your kitchen fails and water floods throughout your home, damage caused by the water would be covered. However, damage from flooding or other causes of loss that are specifically excluded may not be covered. These exclusions are listed in your policy. Separate flood insurance can be purchased to cover damage caused by natural floods.
With your AAA Home Insurance policy, your liability coverage automatically extends to vacant, unimproved land at no additional charge.
Most standard homeowners policies will pay up to 5% of your personal property limit if your home becomes uninhabitable due to flood damage. This coverage should never be viewed as a substitute for a separate flood insurance policy, as it would not provide adequate protection if a flood destroyed your home. Ask your AAA Insurance representative if this coverage is available in your state.
Most standard homeowners insurance plans provide coverage for lost food, up to a limit specified in the policy.
One of the most accurate ways to determine the value of your household goods and personal belongings is to create an inventory list and estimate what the items on it are worth. Your AAA Insurance representative can provide you with a Personal Property Inventory form to help guide you through the process. It's also a good idea to photograph or videotape each room, then keep a copy of the photos or videotape with the inventory list in a safe deposit box or other secure place outside your home. If you ever need to submit a claim, you won't have to rely on your memory to list what you had and how much it was worth.
Your jewelry is covered up to a specified limit as stated in your policy. If you own high-valued jewelry, you should consider purchasing separate coverage for these items. Your AAA Insurance representative may refer to this as "scheduling your valuables." A jewelry appraisal is typically required to purchase this enhanced coverage.
Most standard insurance policies assign special limits to certain personal property items. Valuables which often have special limits include cash and coins, jewelry, furs and silverware. At AAA, your valuables are subject to a specified limit as defined by your policy. If you own high-valued items you may want to consider purchasing separate coverage to ensure you are adequately protected. It's also a good idea to make an inventory of the contents of your home, and to have your valuables professionally appraised.
Coverage for loss of rental income is provided when your property can no longer be occupied due to a covered loss. You'll receive up to 20% of the amount of coverage on the dwelling.
Protection against damage caused by floods and earthquakes is excluded from most standard policies. However, if your property is located in a community that participates in the National Flood Insurance Program, you can purchase separate flood coverage through AAA. In California, earthquake coverage is offered by AAA through a program with the California Earthquake Authority (CEA). In Nevada earthquake coverage is available by endorsement to the policy with several deductibles.
Furnishings and appliances located at the rental property are automatically covered up to 5% of the amount of coverage on the dwelling or $5,000, whichever is greater. Any personal property kept at the rental property which is incidental to the property's use is insured for direct physical loss caused by the perils listed in your policy.
Life insurance death benefit proceeds are not subject to income taxation. If a settlement option other than the lump sum option is selected, then the interest earned is taxable income. Life insurance proceeds may be subject to estate and inheritance taxes if the insured person is also the owner. For more information on estate and inheritance taxes, consult an estate-planning specialist.
The following benefit is automatically included on AAA Life Insurance Company's term life insurance products at no additional cost:
Conversion Benefit - Allows the owner of a term life insurance policy to exchange (or convert) the policy to a permanent life insurance plan without evidence of insurability. The conversion period ends at the earlier of a) 80% of the term period, or b) age 65.
These benefits are optional and have a separate cost associated with them:
Children's Insurance Option - Provides term life insurance coverage for each child of the insured's family.
Waiver of Premium Option - Has the insurance company make your life insurance premium payments if you become disabled.
An Additional Insured Term Rider - Allows a second person to be covered on the same policy while saving on the fee for a second policy ($60).
You do not need to be a Member to buy any of our individual life insurance products with AAA Life Insurance Company. However, Membership is required to purchase our group term life and travel accident insurance.
If your spouse contributes to your family's income, then life insurance protection is needed to replace his or her income should he or she die. If your spouse does not have an income, then life insurance protection is needed to cover final expenses and replace his or her contribution to the family.
Our life insurance needs calculator can help you estimate the amount of insurance your spouse needs.
AAA Life Insurance Company offers a variety of quality insurance and retirement savings options designed to fit every need and budget. All of our individual life insurance and annuity products are available to AAA Members and non-Members alike.
The type of life insurance best for you depends on your particular needs. Term life insurance is appropriate and more cost-effective for temporary needs lasting up to 30 years. Permanent life insurance is better for permanent needs longer than 30 years. Given your particular situation, you may require a combination of term and permanent life insurance.
Level vs. Yearly Renewable Term
If you decide to go with Term life insurance, you will need to choose between Level Term and Yearly Renewable Term. The advantage of level term life insurance is that the premiums remain level over a guaranteed number of years. Yearly renewable term life insurance has a lower first year premium but the premium increases each year. Yearly renewable term life insurance is only cost-effective in the first few years, after which it becomes more expensive because the premiums increase each year. You should select a guaranteed term period to match the duration of your term life insurance need. If your needs vary in duration, one cost-effective solution is to purchase multiple policies each with a different term period.
Learn more and get a no-obligation quote, or call one of our AAA Insurance representatives at (888) 689-2722.
Your personal umbrella policy is designed to provide protection for you and for any relatives living with you. Therefore, their policies must meet the umbrella policy's requirements for minimum underlying limits for auto liability insurance. If you are comfortable with the risk, one option for you is to exclude your family member and their vehicle(s) from coverage under your personal umbrella policy. This can be accomplished by signing an exclusion form.
Whether or not an umbrella policy provides liability protection for your small business depends on a number of factors, including whether this business exposure is covered by your underlying AAA Home Insurance policy. Business pursuits normally are not covered; however, some activities incidental to your business may be covered by special endorsement to your homeowners policy.
Personal umbrella insurance is low-cost liability coverage that provides an extra measure of security beyond the limits of liability insurance on your AAA Auto and Home Insurance policies. Because an umbrella policy provides liability coverage only, it is designed to provide protection for you and those living with you but does not cover damage to your property. It will not, for instance, extend coverage on policies such as an earthquake policy.
Personal umbrella coverage is often referred to as "secondary coverage." That's because it is, with a few exceptions, excess coverage over underlying insurance. This means that the limits of the underlying insurance (your auto and homeowner's policies) will be exhausted before the umbrella coverage is needed. The underlying insurance pays first (primary insurance"), while the umbrella policy pays second ("secondary insurance").
Payments for AAA Insurance policies are accepted online with the use of a Visa or Mastercard credit/debit card, as long as your policy is not in a past due status or paid in full. To make your payment, you must first sign in to AAA.com with your email address and password. If you have not registered with AAA.com, please take a moment to do so. Once signed in, click on the "Make A One Time Insurance Payment" link, and enter the following information:
• Product Type (Auto Insurance/Home Insurance)
• Policy Number (no spaces or dashes)
• Zip code (from address corresponding with policy)
• Click "Continue"
Note that if your policy is past due or paid in full, you will not be able to view your balance or make a payment online. To make your payment by phone, please call our AAA Member Services Center at (800) 922-8228.
If you are receiving an error message that states you have entered your policy number incorrectly, attempt to enter it again without the given hyphen (-) on your billing statement (example: AB12345) or without the beginning (PAA) if your policy begins with these letters. For homeowners policies, omit the beginning (HO) (example: 1234567).
Please note if your insurance policy includes a past due amount or is paid in full, AAA.com will state the policy number is incorrect. In that case, contact our AAA Member Services Center at (800) 922-8228 (option 1) to make a payment.
If the above procedures do not allow you to view your policy billing information - and your policy is not past due or paid in full - please call Website Support at (888) 929-2911.
Your automatic payment plan will begin within 6-8 weeks from the date that you applied for this feature. Once your automatic payment plan has gone into effect, it will be noted on your statement. Until your statement notes the change, please continue to make your insurance payments as normal.
Automatic payments are normally taken from your designated account within 2-3 days of your insurance policy due date. Your insurance payment amount will vary each month; each month will reflect a lesser amount unless you make a change on your insurance policy.
If you have any further questions regarding your insurance policy, payments or billing, please contact our AAA Member Services Center at (800) 922-8228 (option 1).
We cannot advise you regarding retaining legal counsel.
If the cost of repairing your vehicle, plus its salvage value, equals or exceeds its actual cash value, it is not economically feasible to repair. This situation is commonly referred to as a "total loss."
If an auto repair shop we recommended to you did the repairs, we will assist in assuring that all repairs are done to factory specifications and that all parties are satisfied. If your auto repairs were done at a shop not recommended by us, please contact your adjuster for assistance.
If your motorcycle repairs were done by a shop of your choice, please contact your repair shop directly or call your adjuster for assistance.
Shortly after filing a claim, you will receive a confirmation letter that includes your adjuster's name and phone number. You may also call our claims customer service at (800) 922-8228. Adjusting staff is available 8:30 a.m. to 5:30 p.m., Monday through Friday. Motorcycle insurance adjusting staff is available 7:30 a.m. to 4:30 p.m., Monday through Friday.
Automobiles: You may get an estimate from an auto repair shop of your own choosing or visit an auto body shop in AAA's Direct Repair Network. Our Direct Repair Network (DRN) of auto body shops handles claims for AAA Auto Insurance policyholders in California and Nevada. If you choose to use one of our DRN shops, the shop will contact you to schedule an appointment for an estimate. If you choose a shop that is not included in our repair network, you will need to schedule an appointment yourself.
Motorcycles: You may get an estimate from a motorcycle repair shop of your own choosing. Please contact your adjuster to coordinate an inspection at the shop of your choice. In addition, we may assign an independent appraiser to estimate your damages.
If you suffer a loss for which you are legally entitled to recovery and we have already made payment to you under your policy, we may pursue reimbursement from the responsible party or their insurance carrier. At that time, we will attempt to recover any additional repair expenses you've paid.
However, if you are injured, the law does not allow us to present your personal injury claim against another party or insurer. If you have medical payments coverage on your policy, we can assist with your resulting medical bills within the terms, limits and conditions of your policy.
In order to determine who is at fault in an accident, an investigation is conducted as to the facts of the loss.
If there is a police report, it may cite basic facts about the causes of the accident such as whether anyone involved was driving at an unsafe speed for the road conditions, made an unsafe lane change, followed another car too closely, etc. Also, the reporting officer may have included his opinion as to who was at fault or may have issued a citation to one of the parties. All of these factors will be weighed in determining liability.
We will also independently investigate whether all the parties involved followed the rules of the road, and whether one or more parties contributed to the conditions that led to the accident. Once all the facts have been ascertained, a liability decision is reached and the claim is processed accordingly.
If you do not agree with the liability decision reached for your auto insurance claim, please state your reasons in writing and send the statement to us at CSAA, P.O. Box 920, Suisun City, CA 94585.
Be sure to include your claim number. The letter will be reviewed and your concerns will be addressed.
A deductible is the amount of money shown on your policy for which you are financially responsible when you incur a collision or comprehensive loss. Other circumstances may affect the applicability of a deductible.
When you pick up your repaired vehicle, you pay your deductible amount directly to the repair facility. If a settlement payment is being made directly to you, we will subtract your deductible from that amount.
If the other driver was at fault and we have pursued a subrogation claim against that driver, we will reimburse you for your deductible once we have collected it. (Subrogation describes the process we undergo when we attempt to recover from the at-fault party any monies paid out by us for damage to an insured vehicle.) For example, if you paid your deductible to a repair facility, we will reimburse you once we collect from the party who was at fault or from his or her insurer. This process can often take some time if the other party or carrier does not respond promptly to our requests for payment.
Subrogation describes the process we undergo when we attempt to recover from the at-fault party any monies paid out by us for damage to an insured vehicle.
In order to file a claim for damage to your car, you must first must determine whether you have a "Glass-Only" claim or an "All Other Auto" claim.
AAA has a streamlined glass-only claims process. If you have Comprehensive Coverage, you will be covered for windshield replacement, but you will have to pay your deductible. If the window can be repaired rather than replaced, your deductible will be deferred.
Glass-only claims include:
|•||Damage to the front windshield, driver side glass, passenger side glass and read-window glass|
|•||Cracks, chips or scratches to the glass and molding|
There should be no damage to the body of the car or interior upholstery, and no missing personal property. If any of these conditions exist, the claim should be reported as an All Other Auto Claim.
All Other Auto claims include:
|•||Damage to your vehicle|
|•||Damage to another vehicle|
|•||Damage to other property|
|•||Personal injury caused by an automobile accident|
|•||Theft of your vehicle or other personal property|
You can file a new claim by calling our toll-free number: (800) 922-8228.
If your automobile was damaged as the result of a loss covered under your auto insurance policy, then we will pay for rental car costs, subject to your policy's limits, terms and conditions. Further, if we are pursuing a subrogation claim against a party who was at fault for the accident, we will assist you in recovering any additional rental expenses you may have incurred as a result of the loss.
However, our motorcycle policy does not offer rental car reimbursements.
We attempt to resolve all claims within 40 days. In fact, small or routine claims are often resolved within just a few days. However, more complicated claims can take longer to investigate and resolve.
We can recommend an auto repair shop through our Direct Repair Network (DRN) of carefully screened auto body shops. You may also choose an auto repair shop yourself if you prefer.
We do not provide referrals for motorcycle repairs. However, you may select any repair shop of your choosing.
Please send all auto claims correspondence to CSAA, P.O. Box 920, Suisun City, CA 94585. Be sure to include your claim number on everything you send us.
Please send all motorcycle claims correspondence to ACA Insurance Company, P.O. Box 5824, Irvine, CA 92616. Be sure to include your claim number on everything you send us.
If you are involved in an accident, please call our toll-free claims reporting number: (800) 922-8228, available 24 hours a day, 7 days a week. A police report should also be filed promptly for losses involving the theft of all or part of your vehicle, and within 24 hours for a hit-and-run loss involving injuries. Consult with your adjuster if you need more information. The time limits for filing a claim vary depending upon the type of claim you have. Therefore we encourage you to file your claim as soon as possible after a loss in order to preserve your rights.
Once you have filed your claim, your adjuster will contact you within 48 hours to advise you. We attempt to resolve all claims within 40 days. In fact, small or routine claims are often resolved within just a few days. However, more complicated claims can take longer to investigate and resolve.
If you have medical payment coverage on your policy, we can assist with your resulting medical bills within the terms, limits and conditions of your policy. If you are injured as a result of someone else's negligence, the law does not allow us to present your personal injury claim against the negligent party.
If your vehicle is stolen, you should first notify your local law enforcement authority of the theft and promptly file a police report.
Immediately after, report your claim via our toll-free number: (800) 922-8228. We will review your policy for the appropriate coverage, collect needed information and begin working on your claim. If coverage applies, your policy will reimburse you for expenses incurred for alternative transportation, up to your coverage limits, beginning 48 hours after the theft occurs and ending when either the car is returned to use or when we offer to pay the loss.
Whether or not your rates will increase depends on the type of claim you have. Comprehensive losses generally do not affect your rates. Losses that are the fault of the driver of your vehicle may affect your rates. This question can be discussed with our underwriting department. To contact them, call our AAA Member Services Center at (800) 922-8228.
If you do not agree with the claim decision, you can put your questions and concerns in writing and send them to CSAA, P.O. Box 920, Suisun City, CA 94585. Please be sure to include your claim number. Your letter will be reviewed and your concerns addressed.
If you are injured as a result of someone else's negligence, the law does not allow us to present your personal injury claim against the negligent party. But if you have medical coverage on your policy, we can assist with your resulting medical bills within the terms, limits and conditions of your policy.
If your home is deemed uninhabitable, your adjuster will advise you on how to proceed.
Your vehicle's "actual cash value" is determined by comparing your vehicle's condition to similar vehicles. This may include input from local dealers, private parties or recent sales. Condition, equipment and mileage differences are also taken into consideration. In addition, we may use a computerized evaluation process to assist us in determining the value of your vehicle.
Please call our AAA Member Services Center at (800) 922-8228 (option 1), and a representative will assist you. We’re sorry this feature is not currently available online.
To communicate with your AAA Insurance representative, use our convenient email form. Include your representative's name and your message will be forwarded to him or her. If you don't already have an insurance representative, we will assign one closest to the location that you specify.
You can view your auto policy details (directions follow). For home, motorcycle and other policies, please call your local branch office or the AAA Member Services Center at (800) 922-8228.
To view your auto policy details, sign in to AAA.com with your email address and password. If you have not registered with AAA.com, please take a moment to do so. Once signed in, click on “My Insurance,” and then the policy number link in the page’s middle column.
First, sign in to AAA.com with your email address and password. If you have not registered with AAA.com, please take a moment to do so. Once signed in, click on “My Insurance,” choose your Auto Policy and “View/Print: Proof of Insurance.”