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").