Membership Terms and Conditions

Emergency Road Service (ERS) Coverage
Membership, Reimbursements and Other Policies
Travel Emergency Services for AAA Plus and AAA Premier

 

1. Emergency Road Service (ERS) Coverage back to top

AAA Emergency Road Service is for the exclusive benefit of AAA Members. It is designed to get you back on the road as quickly as possible.

ERS Events and Services Provided
AAA Membership provides each Member with Emergency Road Service up to four (4) times in a Membership year. AAA provides the following services:   

Battery Service
If your car won’t start, a technician will attempt to restart it by jump-starting your battery. If you suspect your car’s battery has failed, AAA Battery Service can make on-the-spot replacement fast and simple.

Tire Change
If you have a flat tire, your spare will be installed. If an inflated spare isn’t available, the vehicle may be towed. Tire repair is not covered by ERS.

Fuel Delivery
If you run out of fuel, we will bring you enough to get you to the nearest service station. If you need diesel fuel, you must request it when you call. Diesel may not be available in all locations. AAA Classic Members will be charged for fuel at the market rate. AAA Plus®, AAA Plus® RV and AAA Premier® Members will receive fuel at no charge.

Lockout Service
Members are covered for locksmith services or reimbursement for parts and labor to get their vehicles back on the road. If you're locked out of your car, AAA will send a technician to open it. If that fails or your key is lost or broken, you are eligible for towing. If necessary, AAA will send a locksmith. However, AAA does not guarantee the availability of locksmith services in all areas.

AAA Classic:

  • Locksmith services for vehicles only (or reimbursement) up to $60 for parts and labor.


AAA Plus and AAA Plus RV:

  • Locksmith services for vehicles only (or reimbursement) up to $100 for parts and labor.


AAA Premier:

  • Locksmith services for vehicles or home* (or reimbursement) up to $100 for parts and labor.
  • Charges beyond coverage limits are at the expense of the Member and are not reimbursable. Photo
    identification required. 


If the vehicle cannot be made operable, a tow truck will be sent to assess the possibility of towing to a repair shop. Photo identification is required to access the car or have a new key made. For Utah Members, the registered owner of the vehicle must be present in order for a locksmith to make a replacement key. If locksmith service is unavailable, Members can apply for reimbursement up to the coverage amount.

*AAA Premier Membership also includes Home Lockout Service. This gives you access to your home if you lost your keys or locked them inside. This service is available only for the residence listed in your Membership. Home Lockout Service is available only for locks that provide access in and out of the residence. AAA will not reimburse for Home Lockout Service if it’s used to change locks for domestic disputes, for security concerns or any other reason other than lost keys. The locksmith requires identification from a person receiving locksmith services. In the event AAA is unable to provide a reference to a contracted locksmith, you will be asked to contact one directly.

Mechanical Aid
If your car won't start, a service person will attempt to jump-start your battery, check connections and fluids or perform other minor mechanical repairs. This work is temporary and not guaranteed; you should drive immediately to a repair shop and have the problem corrected. Find a AAA-Approved Auto Repair facility nearest you. If you suspect your car's battery has failed, learn how AAA Battery Service can make on-the-spot replacement fast and simple. AAA Service Providers will accept personal checks for up to $250 for Emergency Road Service or repairs. Tire repair and battery charging are not included in ERS.

AAA Premier Auto Repair Hotline
AAA Premier Members can call the AAA Auto Mechanic’s Hotline for advice on auto repairs, second-opinions on repair estimates and referrals to repair facilities. Call the dedicated phone number on your AAA Premier Membership Card to get connected to this service.

Towing
If your car cannot be started or driven safely, we will tow it to a destination as described below. There is a limit of one tow per breakdown.

Towing benefits

A AAA Call Center Representative can help you find the nearest AAA Approved Auto Repair facility for repairs, parts, labor or components that are guaranteed for a minimum of 12 months or 12,000 miles, unless otherwise noted on the repair order. If no repair facility can be found within the allotted mileage range, you may be towed back to the responding Service Provider facility free of charge.

Additional towing beyond miles covered under your Membership will be at your expense. Charges will not be more than the Service Provider’s normal rate for towing in that area.

Complimentary Car Rental for Towed Vehicles

AAA Premier Members get one (1) free day car rental if your car is towed and inoperable. This benefit does not apply if your vehicle is inoperable due to an accident. The car must be rented within 48 hours of the tow. You are responsible for paying any additional rental days directly to the rental company. The Member must meet the terms and conditions of the rental car company, which may include an age minimum, having a valid US driver license and presenting a valid credit card. This benefit is only available by calling the dedicated AAA Premier Membership phone number listed on the AAA Premier Membership Card. This benefit is not available at the rental counter or by calling the rental car company directly. The car must be returned to the location of rental. Taxes, fees and optional service charges, such as refueling, are not subject to discount and are the responsibility of the renter. Coupons or promotions may not apply. Rentals are available at participating locations in the United States or Canada.

Free Hertz Gold Plus Rewards® Membership
As a Hertz Gold Plus Rewards member, there is no stopping at the counter at over 40 of the world’s busiest airports. At over 1,000 locations worldwide, go to the designated Gold counter, show your driver’s license, pick up your keys and go. Instant return--a representative will process your return at your vehicle. Participate in the Rewards Bonus Program and earn points on every rental.

Only AAA members with a Gold enrollment date on or after February 1, 2012 will qualify for Bonus Points. Bonus Points will be added to member’s account up to 4 weeks from the first Gold rental return. Gold profile and reservation must include your AAA/Hertz CDP#. Bonus Points earned are Standard Rewards and may not be available in all cities, at all times. Comparable AnyDay rewards are available for somewhat higher redemption values and have no blackouts. Only paid rentals of $25 or more will qualify for this promotion. Bonus points earned during this promotion are not eligible for any additional or tier bonuses. This offer has no cash value. Standard rental qualifications and return restrictions apply. The minimum age for this offer is 21 and age differential charges may apply. Premier members must enroll using AAA.com/HertzPremier. All Hertz Gold Plus Rewards rules apply. Visit www.hertz.com.

Winching (extrication)
Winching gets your car back on the road if you’re stuck next to a passable, established road and can be safely and legally reached from a paved road. Service will be rendered whenever the eligible vehicle needing extrication can be safely reached from a normally traveled road or established thoroughfare, and serviced with the equipment ordinarily used for AAA road service. Vehicles driven into areas that are dangerous or inadvisable for travel are not eligible for service.

AAA Classic:

  • One driver/one truck. You are eligible for roadside assistance from one truck. If the driver determines additional equipment is required before attempting recovery, you are responsible for the expense of the second truck.


AAA Plus, AAA Plus RV and AAA Premier
:

  • Two drivers/two trucks. In the event two trucks are required to recover your vehicle, AAA will send a second truck without additional cost.


If you need ERS more than four (4) times in a Membership year, each additional call will be at your expense. You will be required to pay the driver at the time of service. Your AAA Agent can recommend the best service options for you.


Vehicles Eligible for ERS Services

  • Automobiles and light utility motor vehicles are eligible for all services, provided they are not loaded, altered or constructed in such a way as to make servicing the vehicle hazardous. Unloaded dual wheel pickup trucks are eligible for all services. Service must be able to be performed safely with ordinary servicing equipment, including sling and/or wheel lift devices, car carriers and dollies. AAA cannot guarantee the availability of car carriers or flatbeds in all areas or at all times.
  • Motor homes, cab-over campers, tent trailers, recreational trailers and trailers transporting a boat, jet ski(s) or snowmobile(s) are eligible for all services, except towing, winching/extrication and tire service, as long as the service can be provided safely with ordinary service equipment.
  • AAA PlusRV Members are eligible for RV towing up to 100 miles per incident.
  • AAA PlusRV and Premier Members are eligible for service of their motorcycles and scooters, if service can be performed safely with ordinary servicing equipment, including sling and/or wheel lift devices, car carriers and dollies.
  • AAA Premier Members are eligible for reimbursement for RV towing up to $300 per incident.
  • All motor vehicles must be registered for highway/street use to be eligible for services, subject to the    
    guidelines above. Vehicles that are untagged, uninsured or not legally drive-able are not eligible for service.
  • Rented and commercial passenger vehicles are eligible for service, but taxicabs, limousines, shuttles and other vehicles-for-hire are excluded from service.


Assistance for Members with Disabilities

For Members with limited mobility, it may be difficult to get in and out of the service vehicle. Tow trucks and flatbed trucks are equipped with footholds and grab handles. Each tow truck and/or flatbed vehicle is equipped with a portable step stool (OSHA compliant) for your use. If you must use a wheelchair or scooter, you may not be able to enter and exit the service vehicle. AAA is committed to ensure that Members are provided with alternative accessible transportation services where necessary and appropriate.

For more information, download Guidelines: Special Assistance for Members with Disabilities (PDF).

ERS Coverage Terms and Conditions
Emergency Road Service is for the exclusive benefit of our Members. To be eligible for ERS:

  • Your Membership must be active and your annual dues must be current.
  • You must show the service vehicle truck driver a photo ID and your AAA Membership Card. If you don’t have a valid
    proof of AAA Membership with you, you may be charged for service.
  • Membership is not transferable.


Our service is designed to help you get back on the road as soon as your vehicle becomes disabled due to mechanical failure, lockout or other breakdown. That’s why:

  • Service may not be used as a substitute for regular maintenance necessary to keep a vehicle in good operating condition.
  • Fuel will be delivered only to vehicles that are out of gas.
  • Vehicles will not be towed to or from an auction or salvage yard.
  • Service will not be provided for the purpose of transporting vehicles due to a purchase, sale, car show exhibition, charitable donation, relocation or any other similar situation.
  • Dismantled or stored vehicles will not be towed.
  • Vehicles purchased in an inoperable condition will not be towed.
  • Snow removal from your vehicle is your responsibility.


We have some coverage limits to protect our Members, the Service Providers who provide services for us and to comply with the law. Service will be rendered where it can be done safely for the Member, vehicle and Service Provider. This means we do not provide service to: 

  • Unattended vehicles, unless you are unable to remain with it due to injury or safety reasons.
  • Vehicles on inaccessible or barricaded streets or roads, back, front or side yards, beaches or fields.
  • Vehicles unlawfully driven beyond chain control signs. Installation and removal of tire chains is not provided under Emergency Road Service. Service will be provided only when the vehicle can be safely reached and serviced with equipment ordinarily used by the Service Provider.
  • Vehicles driven into areas that are dangerous or inadvisable for travel.
  • Vehicles impounded or towed for legal violations. AAA provides tows from impound lots if your car is unable to be driven, it’s fit for towing and impound fees are paid in full.
  • Vehicles or trailers that have been altered, lowered, loaded or constructed in a way that interferes with the safe rendering of service.

While some situations are not covered under AAA NCNU membership, service may be able to be provided by at the independent service provider’s discretion on a paid basis.

Independent Service Providers are our primary ERS providers. Their goal is to provide prompt and efficient service at all times. However, please note that:

  • Delays are sometimes unavoidable due to weather, traffic or unusual service demands. Please call back if help does not arrive within the time promised.
  • Although we hold our Service Providers to a high standard of service, AAA cannot control the manner in which they render services and will not be liable for the misconduct, negligence or other acts or omissions of these Service Providers.
  • AAA will attempt to resolve Members' vehicle repair and damage complaints resulting from ERS provided by the Service Providers. Member complaints should be reported as soon as possible and before additional repairs are made. Failure to do so may limit our ability to assist.

2. Membership, Reimbursements and Other Policies back to top

Membership Eligibility
Primary Members must be at least 18 years old. One (1) Primary Member is allowed per Membership. One (1) Spouse or Resident Adult is allowed per Membership. Up to seven (7) Dependent Associate Members can be added as long as the residential address is the same as the Primary Member's. Associates can be any age. All applications for, and renewals of, Membership are subject to acceptance by AAA.

ERS Benefit Effective Period
Emergency Road Service benefit becomes effective 48 hours after purchasing a new Primary Membership. Members who upgrade can use their extended ERS benefits 48 hours after upgrading.

Membership Renewal Policy
We will send you a renewal notice before your Membership expires. Upon expiration, we provide a 71-day grace period during which you can renew while maintaining your Membership inception year and renewal date. If you renew during this grace period, your Membership will automatically be effective as of the renewal date and no enrollment fee will apply. You must notify us if you’d like to cancel your Membership. During this grace period, we continue to provide Membership services including ERS. If your Membership is not renewed by the end of the grace period, we will bill you for any ERS calls made during the grace period. All outstanding bills must be paid prior to re-joining AAA.

If you choose to cancel your Membership or let it lapse beyond the grace period and later decide to establish a new Membership, that new Membership will have a new inception year and renewal date. The standard enrollment fee for a new Membership will apply. If you choose to establish a new membership more than 90 days past your previous expiration date, Emergency Road Service benefits become effective 48 hours after purchase.

Cancellation Policy
AAA reserves the right to cancel or downgrade your Membership for:

  • Unpaid dues.
  • Committing or threatening physical violence or being verbally abusive to AAA employees or contractors who are acting on AAA's behalf.
  • Knowingly or deliberately destroying or vandalizing AAA property or the property of AAA contractors working on AAA's behalf. 
  • Using your Membership for any reason deemed harmful to the welfare, standing or best interest of the Club’s Membership as a whole. This includes, but is not limited to: commercial purposes, as a substitute for regular maintenance and excessive or inappropriate ERS use. 


California and Utah residents must have at least one (1) Member named on the policy in order to purchase AAA Auto and/or Home Insurance. In Nevada and Utah, AAA will renew an insurance policy even if your Membership is cancelled, but we will remove the AAA Member discount applied to the premium. In Nevada, the insured will lose any Member loyalty credits.

Reimbursement Policy
If AAA service is not available in an area at the time you request service, we will reimburse you for covered services at the current commercial rate for the region. If you pay for service within our territory because you do not have your Membership Card with you, or because you do not obtain service from a AAA Service Provider, we will reimburse you for the amount a AAA Service Provider would have charged AAA to provide the service (which may be less than the amount you paid for service) upon submission of an original receipt in your name. If a covered service cannot be provided because the AAA Service Provider’s access is restricted (i.e. toll roads, limited access highway), reimbursement will be limited to the cost of towing the vehicle to the nearest exit or responding garage. ERS claims must be submitted within 60 days of the service date. Make sure to review complete reimbursement eligibility details for AAA Classic, AAA Plus, AAA Plus RV or AAA Premier Membership before submitting your request.

Reimbursement is not provided for:

  • Services paid for under another insurance policy or other program benefit.
  • Charges related to impound or stolen vehicle recovery towing.
  • Charges for vehicle storage.


Download a reimbursement request form
for locksmith, windshield, parts and labor, towing and more. You can also call 800-272-2877 to speak with a AAA Call Center Representative or write to:

AAA Automotive Services
P.O. Box 24502
Oakland, CA 94623-22221

Windshield Repair/Replacement Reimbursement
AAA Premier Members are eligible for reimbursement of up to $50 one (1) time per Membership year for out-of-pocket expenses to repair or replace a damaged windshield. To receive this reimbursement, you must submit the original receipt or proof of payment along with a completed reimbursement form.

Check Guarantee Policy
AAA will guarantee Members’ personal checks for up to $250 only when a valid AAA Membership Card is presented at the time of service. The Check Guarantee Policy applies to:

  • First-party personal checks for the exact amount of the bill. This means second party checks, business checks and checks made out to cash will not be accepted.
  • Checks used for emergency repairs, services or supplies.

AAA will not guarantee checks for bodywork and/or routine maintenance.

3. Travel Emergency Services for AAA Plus and AAA Premier back to top

Who is eligible for coverage?
All Primary, Honorary or Complimentary AAA Northern California, Nevada & Utah Members with “AAA Premier” or with “AAA Plus” and Associate Members whose Memberships were issued therewith, are eligible for the Travel Emergency Services insurance and assistance coverage (the "Policy") as summarized in this Section 3 (the "Summary of Coverage"). Such persons for whom premium has been paid by AAA are considered “Insured Persons” under the Policy.

Where does coverage apply?
With respect to Emergency Medical Transportation, the Policy territory will be anywhere in the world outside of a 100 mile radius from the Insured Person’s primary residence. With respect to Trip Interruption/Delay, Baggage/Personal Effects and Motor Vehicle Return, the Policy territory will be outside of a 100 mile radius from the Insured Person’s primary residence but within the continental United States, Mexico or Canada.

When does this coverage start and end?
Coverage for an Insured Person will take effect on the date such person becomes a member of an eligible class of persons as described above in “Who is eligible for coverage?” provided that the Policy is in force and the required premium has been paid by AAA.

Coverage for an Insured Person under this Policy will immediately terminate on the earliest of the following dates: (1) the premium due date next following the date the Policy is terminated; (2) the premium due date if the required premium payment is not made when due (subject to the Grace Period provided), except as a result of Clerical Error; (3) the premium due date next following the date the Insured Person ceases to be a member of an eligible class of persons as described in the Classification of Eligible Persons section of the Policy.

Termination of coverage will not affect a claim for a loss that occurs while the Insured Person’s coverage was in force under this Policy. This is only a Summary of Coverage provided under the Policy. The Policy contains limitations, exclusions and termination provisions. In the event of any conflict between this Summary of Coverage and the Policy, the Policy will govern all cases. Coverage is not available in all states.

Please be advised: This optional coverage may duplicate coverage already provided by your personal auto insurance policy, homeowner’s insurance policy, personal liability insurance policy or other source of coverage.

What are the Benefits?

Travel benefits 

*AGA Service Company is the administrator of the Policy.

**Insurance Coverage is underwritten by BCS Insurance Company. AGA Service Company is the licensed producer and administrator of the Policy.

***Coverage is underwritten by AAA of Northern California, Nevada and Utah.

AGA Service Company is the licensed producer and administrator of this Policy.

Assistance Service A — Emergency Medical Transportation
The Company will pay the Insured Person, or on the Insured Person’s behalf, for Covered Emergency Evacuation Expenses resulting from an Emergency Sickness or Injury to an Insured Person that warrants his or her Emergency Evacuation. The physician ordering the Emergency Evacuation must certify that the severity of the Insured Person’s Injury or Emergency Sickness warrants his or her Emergency Evacuation. All arrangements made involving the transportation or movement of the Insured Person during an Emergency Evacuation by land, water or air conveyance, including, but not limited to, air ambulances, land ambulances and private motor vehicles, must be the most direct and economical conveyance and route possible. In addition, the Insured Person must contact AGA Service Company at 1-866-456-3106 or 1-804-673-3390 outside the US (collect) prior to making any arrangements or expending any funds, except when such contact is not reasonably possible. Following an Emergency Evacuation for which Emergency Medical Transportation coverage is payable under the Policy, the Company will also pay for expenses reasonably incurred, including: (1) the return to their current place of primary residence, with an attendant if necessary, of the Insured Person’s unmarried dependent child(ren) under age 21, if they were accompanying the Insured Person when the Injury or Emergency Sickness occurred, but not to exceed the cost of one-way economy airfare less the value of applied credit, if any, from unused return travel tickets; and (2) if the Insured Person is confined in a hospital or other medical facility for more than 7 consecutive days or has an Injury or Emergency Sickness that will, in the opinion of the attending physician, require confinement in a hospital or other medical facility for more than 7 days, the Company will pay for expenses reasonably incurred to return to his or her current place of primary residence, the Insured Person’s spouse, if he or she was accompanying the Insured Person when the Injury or Emergency Sickness occurred, but not to exceed the cost of one-way economy airfare less the value of applied credit, if any, from unused return travel tickets; or to bring any one person chosen by the Insured Person to and from the place of confinement if the Insured Person is alone, but not to exceed the cost of round-trip economy airfare.

Coverage A — Trip Interruption/Delay for AAA Plus and Premier
The Company will pay the Insured Person when one of the following results in the Insured Person’s Additional Accommodations and meal expenses, and/ or the cost of substitute transportation if the Insured Person’s Motor Vehicle trip is interrupted or delayed and requires at least one overnight stay: Sickness, Injury or death of the Insured Person, the Insured Person’s spouse, the Insured Person’s unmarried dependent child(ren) under age 21 or an adult with whom the Insured Person resides; natural disaster (earthquake, flood, hurricane, etc.); a Motor Vehicle accident substantiated by a police report; theft of Motor Vehicle substantiated by a police report; or a mechanical breakdown of Motor Vehicle (excluding damage or normal wear and tear to tires) substantiated by a garage or repair facility. With regard to Sickness or Injury of the Insured Person, the Insured Person’s spouse, unmarried dependent children under age 21, or an adult with whom the Insured Person resides, a physician must recommend that due to severity of the person’s condition it is medically necessary that the person interrupt or delay the Motor Vehicle trip. In addition, the Sick or Injured person must be under the direct care and attendance of a physician.

For Plus RV
AAA will reimburse the Member up to $700 to cover lodging, meals and transportation expenses if the Member’s car trip is delayed overnight as a result of a collision that has disabled the Member’s car. The collision must have occurred outside a 100 mile radius from the Member’s primary residence.

Coverage B — Baggage/Personal Effects
The Company will pay for overnight shipping of personal belongings to replace those stolen, and the cost of personal effects, including, but not limited to, clothing and toiletries, if an Insured Person has a documented theft, substantiated by a police or other local authority report, during a Motor Vehicle trip, of his or her baggage and/or personal effects from the Insured Person’s Motor Vehicle or hotel/ motel room. The baggage and personal effects must be owned by and accompany the Insured Person during the Motor Vehicle trip.

Coverage C — Vehicle Return
The Company will pay the Insured Person for the cost of transporting the Insured Person’s Motor Vehicle to his or her current place of primary residence as a result of a Sickness or Injury suffered by the Insured Person or driver of the Motor Vehicle, if other than the Insured Person, that prevents completion of the Motor Vehicle trip. With regard to Sickness or Injury of the Insured Person or driver of the Motor Vehicle, if other than Insured Person, a physician must recommend that due to the severity of the person’s condition, it is medically necessary that the person interrupt or delay the Motor Vehicle trip. The Sick or Injured person must be under direct care and attendance of a physician. The Insured Person must contact AGA Service Company (866-456-3106 or 804-673-3390 outside the US-collect) prior to making any arrangements or expending any funds, except when such contact is not reasonably possible.

What are the Exclusions?
The following General Exclusions apply to Emergency Medical Transportation, Trip Interruption/Delay, Baggage/Personal Effects and Motor Vehicle Return.

THE POLICY DOES NOT COVER ANY LOSS CAUSED (IN WHOLE OR IN PART) BY OR RESULTING (IN WHOLE OR IN PART) FROM Suicide or any attempt at suicide or intentionally self-inflicted injury or any attempt at self-inflicted injury; travel or flight in or on (including getting in or out of, or on or off of) any vehicle used for aerial navigation, if the Insured Person is riding as a passenger in any aircraft not intended or licensed for the transportation of passengers, if the Insured Person is performing, learning to perform or instructing others to perform as a pilot or crew member of any aircraft, or if the Insured Person is riding as a passenger in an aircraft owned, leased or operated by AAA of Northern California, Nevada & Utah or by the Insured Person’s employer; commercial or rental use of the Insured Person’s Motor Vehicle; declared or undeclared war, or any act of declared or undeclared war; full-time active duty in the armed forces of any country or international authority, except the National Guard or organized reserve corps duty (unearned premium will be returned if the Insured Person enters military service); the Insured Person being under the influence of drugs or intoxicants, unless taken under the advice of a physician; the Insured Person’s commission of or attempt to commit a felony, or participation in a riot or insurrection; mental and emotional disorders; pregnancy, except complications of pregnancy; participation in any professional, semi-professional or interscholastic team sports. In addition to the General Exclusions, the following exclusion applies to Trip Interruption/Delay, Baggage/ Personal Effects and Motor Vehicle Return: THE POLICY DOES NOT COVER ANY LOSS CAUSED (IN WHOLE OR IN PART) BY OR RESULTING (IN WHOLE OR IN PART) FROM: Pre-Existing Conditions.

In addition to the General Exclusions and the exclusions stated above, the following exclusions apply to the cost of personal effects section of the Baggage/Personal Effects coverage: THE COMPANY WILL NOT PROVIDE COVERAGE FOR ANY THEFT OF: animals; automobiles or automobile equipment; boats; motors; motorcycles; other conveyances or their appurtenances (except bicycles while checked as baggage with a common carrier); household furniture; eyeglasses or contact lenses; artificial teeth or dental bridges; hearing aids; prosthetics; money or securities; tickets or documents; sporting equipment; perishables and consumables. In addition to the General Exclusions and the exclusions stated above, the following exclusions apply to both sections of the Baggage/Personal Effects coverage. COVERAGE WILL NOT BE PROVIDED FOR ANY THEFT ARISING OUT OF: confiscation or expropriation by order of any government or public authority; seizure or destruction under quarantine or custom regulation; radioactive contamination; usurped power or action taken by governmental authority in hindering, combating or defending against such an occurrence; transporting contraband or any other illegal activity; or mysterious disappearance.

In addition to the General Exclusions and the Pre-existing Condition exclusion, the following exclusion applies to Motor Vehicle Return coverage: This coverage will not apply if transport could reasonably have been performed by the Insured Person or any of the following who were accompanying the Insured Person on the trip: the driver of the Motor Vehicle if other than the Insured Person, and the spouse, unmarried dependent children under age 21, or adults with whom the Insured Person or driver of the Motor Vehicle reside.

What are the General Provisions?
Due Diligence — The Insured Person must use diligence and concur in doing all things reasonably practicable to avoid or diminish any loss or damage to the property insured hereunder. The Company will not unreasonably apply this provision to avoid claims. 

False Claim — If an Insured Person makes any claim knowing it to be false or fraudulent under any part of this coverage, that coverage will no longer apply to that Insured Person and all his or her claims thereunder will be forfeited.

Action against Company — No action at law or in equity may be brought to recover under the Policy until 60 days after the Company has been given written proof of loss in accordance with the requirements of the Policy; and all terms and conditions of the Policy have been complied with.

Subrogation — If the Company becomes liable for any payment to an Insured Person under the Policy for losses suffered, the Company will be subrogated, to the extent of such payment, to all the rights and remedies of the Insured Person against any party with respect to such loss, and will be entitled at its own expense to sue in the name of the Insured Person. The Insured Person agrees to assist the Company, as it may reasonably require, in preserving its rights against those responsible for such loss, including but not limited to, executing all documents necessary to enable the Company to bring suit in the name of the Insured Person.

The following provisions apply only to the Baggage/ Personal Effects Coverage:

Notice of Loss — If the Insured Person’s property covered under the Policy is stolen, the Insured Person must notify the Company as soon as possible, take immediate steps to recover the covered property, give immediate notice to the carrier or bailee who is or may be liable for the robbery or theft and notify the police or other authority as soon as practicable.

Proof of Loss — The Insured Person must furnish the Company with proof of loss. Proof of loss includes police or other local authority reports or documentation from the appropriate party responsible for the loss. It must be filed with the Company within 90 days from the date of loss. Failure to comply with these conditions shall not invalidate any claims under the Policy.

The following provisions apply only to the Emergency Medical Transportation, Trip Interruption/ Delay and Motor Vehicle Return:

Notice of Claim — Written notice of claim must be given to the Company within 30 days after the occurrence or commencement of any loss covered by the Policy. Notice given by or on behalf of the claimant to the Company at AGA Service Company P.O. Box 72031, Richmond, Virginia 23255-2031 or to any authorized agent of the Company, with information sufficient to identify the Insured Person will be deemed notice to the Company.

Claim Forms — The Company will furnish claim forms to the Insured Person within 15 days within receipt of a notice of claim. If these forms are not furnished within 15 days, the Insured Person will satisfy this requirement by sending the Company written proof of the loss. This proof should include information sufficient to identify the Insured Person, the Policy number, and a description of both the occurrence and the nature and extent of the loss. Proof of Loss — Written proof of loss must be given to the Company within 90 days of the date of loss. If it is not possible to give proof of loss within the time required, the Company will not reduce or deny any coverages if the proof is given as soon as reasonably possible. However, in no event, other than legal incapacity, will proof be given more than one year after the date of loss.

Time of Payment Claims — The Company will pay the claim after the receipt of acceptable proof of loss. Claims will be paid in accordance with the Payment of Claims provision.

Payment of Claims — All claims will be paid to the Insured Person, if living; otherwise, claims will be paid to his or her estate. In the event the Insured Person is a minor, incompetent or otherwise unable to give a valid release for the claim, the Company may make arrangements to pay claims to the Insured Person’s legal guardian, committee or other qualified representative. Any payment made in good faith will discharge the Company’s liability to the extent of that payment.

The following provision applies only to the Emergency Medical Transportation:

Other Insurance — If at the time of the occurrence of any loss or damage covered by this insurance there is valid and collectable insurance, indemnity or warranty in place, the Company shall be liable only for the excess of the amount of such loss or damage over the amount of other insurance, indemnity or warranty and for the amount of any applicable deductible, subject to the limits of liability as stated above in “What are the benefits?” In no event shall this insurance apply as contributing insurance. This “non-contribution” clause shall take precedence over any other “non-contribution” clauses found in other insurance policies, indemnities or warranty language.

The Following Terms, capitalized in this summary of coverage are defined below:

Injury means bodily injury caused by an accident occurring while coverage under the Policy is in force; the injury must be to the Insured Person, and resulting directly and independently of all other causes in loss.

Motor Vehicle means a self-propelled private passenger motor vehicle with four or more wheels that is of a type both designed and required to be licensed for use on the highways of any state or country. The term Motor Vehicle includes, but is not limited to, a sedan, station wagon or jeep-style vehicle, and, if not used primarily for occupational, professional or business purposes, a motor vehicle of the pickup, panel, van, camper or motor home type. The term Motor Vehicle does not include a motor home or any motor vehicle that is used in mass or public transportation.

Pre-Existing Condition means a sickness, disease or other condition of the Insured Person that, in the 60-day period before the Insured Person’s coverage began, (a) first manifested itself, worsened, became acute or exhibited symptoms that would have caused an ordinarily prudent person to seek diagnosis, care or treatment; (b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or (c) was treated by a physician or treatment had been recommended by a physician.

Covered Emergency Evacuation Expense(s) means a reasonably incurred expense that is charged for a Medically Necessary Emergency Evacuation Service, does not exceed the usual level of charges for similar transportation, treatment, services or supplies in the locality where the expense is incurred and does not include charges that would not have been made if no insurance existed.

Emergency Evacuation means, if warranted by the severity of the Insured Person’s Injury or Emergency Sickness, the Insured Person’s immediate transportation from the place where he or she suffers an injury or Emergency Sickness to the nearest hospital or medical facility where appropriate medical treatment can be obtained; and/ or the Insured Person’s transportation to his or her current place of primary residence to obtain further medical treatment in a hospital or other medical facility or to recover after suffering an Injury or Emergency Sickness and being treated at a local hospital or other medical facility. An Emergency Evacuation also includes medical treatment, medical services (including an attendant if necessary) and medical supplies necessarily received in connection with such transportation.

Emergency Sickness means an illness or disease, diagnosed by a physician, occurring while the Insured Person’s coverage is in force, that presents a severe or acute symptom, and occurs suddenly and unexpectedly, requiring immediate care, such that the failure to obtain such care could reasonably result in serious deterioration of the Insured Person’s condition or place his or her life in jeopardy.

Medically Necessary Emergency Evacuation Service means any transportation, medical treatment, medical service or medical supply, meeting generally accepted standards of medical practice, that is an essential part of an Emergency Evacuation due to the Injury or Emergency Sickness for which it is prescribed or performed and either is ordered by a physician and performed under his or her care, supervision or order, or is required by the standard regulations of the conveyance transporting the Insured Person.

Additional Accommodations means the cost of hotel/motel accommodations that are in excess of those the Insured Person would have incurred if his or her trip had not been interrupted or delayed.

Complications of Pregnancy means conditions requiring Hospital stays (when the pregnancy is not terminated) whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include acute nephritis, nephrosis, cardiac decompensation, missed abortion and similar medical and surgical conditions of comparable severity. Complications of Pregnancy also include nonelective caesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible. Complications of Pregnancy do not include false labor, occasional spotting, Physician-prescribed rest during the period of pregnancy, morning sickness, hyperemesis gravidarum, preeclampsia and similar conditions associated with the management of a difficult pregnancy not constituting a nosologically distinct complication of pregnancy.

and

Physician means a licensed practitioner of the healing arts acting within the scope of their license. The attending physician may not be the Insured Person; (b) the Insured Person’s spouse; (c) a person booked to accompany the Insured Person on the trip; or (d) a person who is related to the Insured Person, the Insured Person’s spouse, or a person booked to accompany the Insured Person on the trip in any of the following ways: child, parent, or sibling.

Travel Accident Insurance Program for AAA Premier
This Plan Covers AAA Northern California, Nevada & Utah Premier Members & Eligible Family Members with $300,000 when travel arrangements are made through your local AAA Travel Agency.

Description of Coverage
The AAA Travel Agency Travel Accident Insurance Program covers you for accidental loss of life, limbs, sight, speech or hearing in a common carrier and rental car, when the transportation is purchased and rental car is arranged through your Participating AAA Travel Agency. Coverage is also provided to your spouse and/or dependent child(ren) who are traveling with you when their tickets are purchased through your participating AAA Travel Agency. Common Carrier means any land, water or air conveyance operated by those whose occupation or business is the transportation of persons without discrimination and for hire.

Coverage applies:
1. While riding solely as a passenger in, entering or exiting any conveyance operated by a common carrier licensed for the transportation of passengers for hire.

2. While riding solely as a passenger in, entering or exiting any conveyance operated by a common carrier licensed for the transportation of passengers for hire, while traveling directly to or from a terminal, station or airport:

         a. immediately preceding scheduled departure of a common carrier; or

         b. immediately following scheduled arrival of a common carrier.

3. Riding or driving in, entering or exiting from a private passenger automobile of the strictly pleasure car type; while going directly to the departure point or while coming from the arrival point of a common carrier.

4. While riding or driving in, entering or exiting from a rental car whose lease has been arranged through your participating AAA Travel Agency in conjunction with any airline or other common carrier transportation.

Common Carrier Benefits
The full Benefit Amount is payable for accidental loss of: life, two or more members, sight of both eyes, speech and hearing or any combination thereof. One half of the Benefit Amount is payable for accidental loss of: one member, sight of one eye, speech or hearing. “Member” means hand or foot. One quarter of the Benefit Amount is payable for the accidental loss of the thumb and index finger of the same hand. “Loss” means, with respect to a hand, complete severance throughout or above the knuckle joints of at least four (4) fingers on the same hand; with respect to a foot, complete severance through or above the ankle joint. Federal Insurance Company (The Company) will consider it a loss of hand or foot even if they are later reattached. 100% of the benefit is paid if the accident causes the Insured Person to suffer loss of use of both arms and legs; 75% of the Benefit for both arms or both legs or a combination of an arm and a leg; 50% of the Benefit for one arm or one leg, or both hands or both feet or a combination of a hand and a foot; 25% of the Benefit for one hand or one foot.

Rental Car/Private Passenger Automobile Benefits
50% of the Benefit is paid for accidental loss of life, two or more members, sight of both eyes, speech and hearing or any combination thereof; 25% of the Benefit for accidental loss of one member, sight of one eye, speech or hearing; 12.5% of the Benefit for accidental loss of thumb and index finger of the same hand. 50% of the Benefit is paid if the accident causes the Insured Person to suffer loss of use of both arms and legs; 37.5% of the Benefit for both arms or both legs or a combination or an arm and a leg; 25% of the Benefit for one arm or one leg, or both hands or both feet or a combination of a hand and a foot; 12.5% of the Benefit for one hand or one foot.

Definitions:
Loss of Use of Arm means the Loss of Use of the arm at or above the elbow joint. Loss of Use of Foot means the Loss of Use of the foot at or above the ankle joint. Loss of Use of Hand means the Loss of Use at or above the knuckle joints of at least four (4) fingers on the same hand or at least three (3) fingers and the thumb on the same hand. Loss of Use of Leg means the Loss of Use of the leg at or above the knee joint. Loss must occur within 365 days from the date of accident. Spouse means the Insured Person’s husband or wife who is recognized as such by the laws of the jurisdiction in which the Insured Person resides.

Dependent Child means the Insured Person’s unmarried child from the moment of birth, including a natural child, grandchild, stepchild or adopted child from the date of placement with the Insured Person.

The Dependent Child must be primarily dependent upon such Insured Person for maintenance and support and must be:

1. under the age of nineteen (19);

2. under the age of twenty-five (25) if enrolled as a full-time student at an institution of higher learning; or

3. classified as an incapacitated dependent child.

Seat Belt Benefit
Accidental Loss of Life Benefits payable under the Private Passenger Automobile coverage of this policy will be increased 10 percent, up to a maximum amount of $50,000, if at the time of the Accident the Insured Person suffers Accidental Loss of Life while:

1) operating or riding in a Private Passenger Automobile and

2) utilizing a Seat Belt

A Benefit Amount will not be paid if the Insured Person is driving or riding as a passenger in any race, or contest of any type. The seatbelt usage must be verified by a licensed Physician, a coroner, a police officer or other person of competent authority. The seat belt must have been properly secured, and utilized in accordance with the recommendations of its manufacturer. Private passenger automobile means a four-wheeled motor vehicle with a maximum seat capacity of nine (9), manufactured and designed to travel on public roads.

In-hospital Benefits
Benefits of $150 per day for each day hospitalized up to a total of seven days will be paid, in addition to the Accidental Loss of Life Benefit and other Benefit amounts for losses covered, to the Insured Person if an accident covered under this policy results in the hospitalization of the Insured Person. Periods of hospitalization include all In-Hospital stays related to the same Accident. The Benefit Amount will be paid until one of the following occurs:

1) the Insured Person dies; or

2) the Insured Person is no longer hospitalized; or

3) the maximum number of days (7) of payment has expired.

Maximum Limit of Insurance
If more than one (1) insured person suffers a loss in the same accident; The Company will not pay more than $20,000,000 per accident. If an accident results in benefit amounts becoming payable, which when totalled exceed $20,000,000, the maximum limit of insurance will be proportionately divided among the insured persons, based on each applicable benefit amount.

Exclusions
This insurance does not cover loss resulting from: 1) an Insured’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection (except bacterial infection caused by an accident or from accidental consumption of a substance contaminated by bacteria), or bodily malfunctions; 2) suicide, attempted suicide or intentionally self inflicted injuries; 3) declared or undeclared war, but war does not include acts of terrorism. This insurance also does not apply to an accident occurring while an Insured is in, entering, or exiting any aircraft while acting or training as a pilot or crew member, but this exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency.

Beneficiary
The Loss of Life benefit will be paid to the beneficiary designated by the Insured. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: a) the Insured’s spouse, b) the Insured’s children, c) the Insured’s parents, d) the Insured’s brothers and sisters, e) the Insured’s estate. All other indemnities will be paid to the Insured.

Notice of Claim
Written notice of claim should be mailed to your participating AAA Travel Agency.

The Cost
The premium for this Travel Accident Insurance is paid for by your AAA of Northern California, Nevada & Utah.

NOTE: The information contained in this brochure is a description of the coverage, benefits and exclusions contained in the Master Policy 6477-01-32. The Policy Number and Master Policy are on file with the Policyholder. All information is subject to the terms and conditions of the Master Policy. Keep this brochure with your important papers for your records. It will serve as an important reminder of the valuable protection you will have under this plan.

Change of Beneficiary
As a AAA Premier Member you and your eligible family members receive $300,000 of coverage provided by AAA Northern California, Nevada & Utah.

The Loss of Life benefit will be paid to the beneficiary designated by the Insured. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the order stated in the Beneficiary Section of this brochure. If you wish to change beneficiaries, please contact your AAA Travel Agency.

This Travel Agency Travel Accident Plan underwritten by:
Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies, 15 Mountain View Road, P.O. Box 1615, Warren, NJ 07061-1615

5. Changes
We may amend these terms and conditions (“Terms”) from time to time. If we make material changes to these Terms, we will notify you by posting a prominent notice on the AAA website (“Site”). Any changes to these Terms will be effective immediately for new Members; otherwise these changes will be effective upon thirty (30) calendar days following our posting of a notice on our Site. Continued possession or use of your Membership card following notice of such changes shall indicate your acknowledgement of, and agreement to be bound by, such changes. Except as otherwise provided in this Section, no amendment to these Terms will be valid.


TRAVEL ASSISTANCE CONCIERGE**

To obtain 24-Hour Worldwide Concierge Service inside the United States, call the toll-free phone number on the front of your membership card. Outside the United States, call collect using the phone number on the back of your membership card. As a AAA Premier Member, you have instant access to a host of travel services when traveling domestically or internationally. By calling the toll-free AAA Premier Travel Emergency Benefits telephone number located on the back of you AAA Premier Membership card, you can obtain information such as:

  • Restaurant and spa recommendations and services
  • Event tickets
  • Pre-trip assistance and tour information
  • Flower/gift arrangements
  • Business services
  • Golf–tee time information/reservations (subject to availability)


The Premier Membership includes access to concierge services which are service benefits, not financial benefits. Any costs associated with services are paid by the member. Services are available only during covered travel.

24 HOUR GLOBAL TRAVEL EMERGENCY ASSISTANCE**

To obtain Emergency Travel and Medical Assistance inside the United States, call the toll-free phone number on the back of your membership card.

As a AAA Premier Member, you can rest easy every time you are traveling domestically or on an international vacation. If you have an emergency while or more from your primary residence – within the United States or internationally – you may call for Emergency Travel and Medical Assistance 24 hours a day, 365 days a year. Get help with:

  • Medical referrals
  • Emergency medical transportation arrangements
  • Emergency visitation arrangements
  • Emergency message center
  • Lost tickets and baggage
  • Emergency airline/hotel reservations
  • Legal referrals
  • Money transfersThe Premier Membership includes access to emergency assistance services which are service benefits, not financial benefits. Any costs associated with services are paid by the member. Services are available during covered travel. 


**AGA Service Company is the administrator of this plan.

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