Advantages and Disadvantages of (Triple) AAA Car Insurance

Triple AAA car insurance is a product offered by the Automobile Association of America. Although the company is more known for its roadside assistance, they have created a niche in the insurance market as well. If you are contemplating on getting Triple AAA car insurance, here is some information that could help you. AAA basically offers three types of auto insurance: coverage for others and their property, coverage for you and your passengers, and coverage for your assets.

Roadside Assistance

AAA car insurance is famous for its emergency road service. If something goes wrong on your trip, all you need to do is call these guys. They offer 24-hour roadside service. If you happen to have a flat tire, your spare tire will be installed. However, if no spare tire is available, the vehicle will be towed up to a certain number of miles as specified in the policy. This service also is helpful if your keys are locked inside your vehicle. If the service provider cannot open the car, locksmith service or reimbursement for commercial locksmith service up to the prescribed amount will be provided. In case you run out of fuel, you will be supplied with enough fuel for you to be able to reach the nearest service station. You will have to pay for the fuel, if you are an AAA Basic member. Other services include toll free assistance, battery service, extrication or winching services, reimbursement for services and roadside or repair check acceptance. They also provide guide and map tools that give you turn-by-turn directions. All you have to do is call the prescribed phone number and speak to the representative, giving details of your membership.

What’s Offered In The Policy

AAA includes coverage for the following:

• Liability Insurance: States have their own laws pertaining to the minimum mandatory liability coverage. You can also choose from other optional coverages.
• Uninsured Motorist: Under this coverage, if you are injured in an accident and the person at fault does not have auto insurance coverage, the insurers will cover it.
• Comprehensive Coverage: This coverage protects members for theft, storm damage, and other situations that are not the result of a collision.
• Medical Coverage: If you are an AAA policy member and injured while walking on the road, or in someone else’s car, your can claim medical costs.
• Collision Coverage: You are covered here if your vehicle collides with something other than another vehicle.
• Rental Car Reimbursement: If you have comprehensive or collision coverage, and your vehicle is out of service for over 24 hours, you will be reimbursed for rental car expenses.

While the liability coverage is mandatory, all the others are optional and subject to what you choose and pay for. Your claims depend on what you sign up for.

Disadvantages

Triple AAA car insurance is only available to its members. That means you have to have an annual membership to use their benefits. The membership may cost between $60 and $100. It depends on how many benefits you buy and the number of persons included in the plan.

Another disadvantage is that extrication and winching services are not included for snowbound vehicle recovery. Service providers will not shovel snow, mud, or sand to tow your vehicle. Moreover, if you are in an area that is not defined as a ‘road’, this is not applicable to you. For example, vehicles will not be recovered from beaches, vacant lots, playgrounds, creek beds, open fields, boat ramps, and forest or private roads.