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AUTOMOTIVE INSURANCE
AAA Auto Insurance is the perfect combination of value, coverage and service.
We know how important it is to get the right coverage at a reasonable rate, so our expert agents work hard to find you discounts and savings. Plus, we make it easy to file a claim and get back on the road.
AAA Member Benefits
AAA Insurance offers more than just competitive rates – we have exclusive discounts and additional coverages for AAA Members:
- Built-in loyalty discounts for AAA Members
- Multi-policy discounts for bundling auto and home policies
- Concierge-level claims service
Call your local AAA Agent today: 1-866-315-1252
In the Carolinas, it is required by law that everyone on the road carries auto insurance. But how many people actually understand what their auto insurance policy holds? AAA Insurance is here to help you understand the different pieces of your policy, and to give you peace of mind as we keep you covered on the road. Your auto insurance policy mainly consists of two parts: Liability and Physical Damages Coverage.
Auto Policy Coverage Terms
If you are found at-fault in an accident, liability pays for repairs, medical costs for injuries of others and other expenses like legal fees. Liability is typically broken down into Bodily Injury and Property Damage. The limits are the maximum the company will pay. Anything over the limits will be out-of-pocket for you, so selecting the correct limits is very important.
| Bodily Injury |
|---|
| Pays for injury resulting from a covered accident or claim
Ex: Hospital bills, Pain and Suffering |
| Usually listed as split limit, such as $100,000/$300,000 |
| A maximum would be paid of $100,000 per person involved in an accident |
| OR |
| A total of $300,000 per accident, regardless of how many people are involved |
| Property Damage |
|---|
| Pays for physical injury to, destruction of or loss of use of tangible
property.
Ex: Someone's vehicle, a light pole or garage |
| Shown as a single amount - $50,000 |
| Bodily Injury | ||
|---|---|---|
| Pays for injury resulting from a covered accident or claim
Ex: Hospital bills, Pain and Suffering |
||
| Usually listed as split limit, such as $100,000/$300,000 | ||
| A maximum would be paid of $100,000 per person involved in an accident | OR | A total of $300,000 per accident, regardless of how many people are involved |
| Property Damage |
|---|
| Pays for physical injury to, destruction of or loss of use of tangible property Ex: Someone͛s vehicle, a light pole or garage |
| Shown as a single amount - $50,000 |
Assume you have $100,000/$300,000 limits. If you cause an accident where one person has $150,000 of injuries, you would be responsible for the extra $50,000 that is above your $100,000 per person limit. At the same time, if you cause an accident where you hit a family of four and each person suffers $100,000 of injuries, that would total $400,000. You would be liable for the excess $100,000 since your Per Accident limit is $300,000.
When considering and selecting limits for your policy, it is important to take into account the rising cost of medical services, the expense for emergency services (i.e. Life Flight) and the loss of income or wages that can all be a part of the total amount.
Uninsured / Underinsured Motorist
Sometimes, drivers fail to carry auto insurance or, more often, they do not carry enough. This is where your Uninsured/Underinsured Motorist coverage comes to the rescue. These limits are usually the same as your liability limits. Sometimes they can be higher based on what you choose.
Depending on your state, this is also where you can find coverage for a hit-and-run driver when you cannot identify the driver to file the incident against their insurance
Medical Payments
Medical Payments is a coverage that pays for medical expenses you and others in your vehicle incur due to a covered claim, regardless of fault. For example, if you have selected $5,000 for Medical Payments and you have 3 people in the car when the accident takes place, your policy will pay up to $5,000 toward each person in your vehicle to a maximum of $15,000 total.
Physical Damages coverages pay to repair or replace your vehicle should it suffer damage from various situations. Usually under the Collision or Comprehensive sections, other coverages are provided.
- Collision - If you were to lose control of your vehicle, hit a guardrail and cause $2,000 worth of damage to your vehicle, this would be covered under your Collision coverage. With this coverage, you select your deductible. For example, if you select $500, this will be the amount of money you pay out of pocket before the insurance company covers the remaining $1,500.
- Comprehensive - Comprehensive coverage can also be called "Other Than Collision" coverage. This coverage pays to repair or replace your vehicle for most damages not covered under Collision coverage. This includes instances such as hitting a deer, tree limbs falling on your vehicle, glass breakage, flood and theft. A deductible also applies to this coverage.
Rental Reimbursement
In the situation of an accident where your car is damaged, your car may be in a repair shop for a longer period of time, and you may need a rental car. Rental Reimbursement coverage will pay for a rental car when your vehicle is in the shop due to a covered claim. However, it is important to select the right amount to ensure that you receive a comparable vehicle to what you typically drive. If you drive a SUV, Truck or Van, the lower $30-a-day limit may not be best for you.
This information is an overview of AAA Insurance auto policies – for more information on the details of your policy, please contact your AAA Insurance agent.Claims & Payments
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