Does AAA cover rental car accidents?
When it comes to renting a car, one of the biggest concerns is often what happens in the case of an accident. Many people rely on their own insurance or credit card coverage to protect them, but what about AAA? Does AAA cover rental car accidents? The answer to that question is yes, but with some limitations.
AAA offers car rental insurance as part of their membership benefits. This coverage typically includes liability, collision, and comprehensive insurance for rental cars. However, it is important to note that AAA’s coverage may not fully cover all costs associated with a rental car accident.
In order to be eligible for AAA’s rental car insurance, you must be a AAA member and meet certain requirements. These requirements may vary depending on the specifics of your membership and the type of rental car you are driving.
It’s important to review your AAA membership benefits and policy details before renting a car to understand exactly what is covered in the event of an accident. Additionally, you may need to purchase additional coverage or supplemental insurance to ensure full protection.
FAQs about AAA’s coverage of rental car accidents:
1. Does AAA cover all types of rental cars?
AAA’s rental car insurance typically covers standard rental cars, but may not apply to luxury vehicles, large vans, or specialty cars. It’s important to check with AAA to see what types of vehicles are included in the coverage.
2. Can I add additional drivers to my AAA rental car insurance?
Most AAA rental car insurance policies will allow you to add additional drivers for an extra fee. Be sure to inquire about this option when renting a car.
3. What is the coverage limit for AAA rental car insurance?
The coverage limit for AAA’s rental car insurance may vary depending on your specific policy. It’s important to review your policy details to understand the limits and exclusions.
4. Does AAA cover loss of use fees for rental cars?
AAA’s rental car insurance may cover loss of use fees in some cases, but it’s important to check with AAA to see if this is included in your coverage.
5. Is roadside assistance included in AAA’s rental car insurance?
AAA often includes roadside assistance as part of their rental car insurance coverage. This can be a valuable benefit in the event of a breakdown or other roadside emergency.
6. Can I use AAA’s rental car insurance internationally?
AAA’s rental car insurance may not be valid outside of the United States or certain territories. If you plan to rent a car internationally, you may need to purchase additional coverage.
7. Does AAA offer coverage for personal belongings in rental cars?
Some AAA rental car insurance policies may include coverage for personal belongings stolen from a rental car. Check your policy details to see if this is included.
8. What should I do if I get into an accident in a rental car covered by AAA?
If you are involved in an accident while driving a rental car covered by AAA, you should follow the same procedures as you would with your own insurance. Contact AAA to report the accident and file a claim.
9. Can I use my own insurance instead of AAA’s rental car insurance?
If you have personal car insurance that covers rental cars, you may be able to decline AAA’s coverage. However, it’s important to review your policy to ensure adequate protection.
10. Will AAA cover rental car accidents if I am not the primary driver?
AAA’s rental car insurance typically covers the primary driver listed on the rental agreement. If you are not the primary driver, you may need to purchase additional coverage or rely on the primary driver’s insurance.
11. Does AAA rental car insurance cover damage from natural disasters?
AAA’s rental car insurance usually covers damage from natural disasters, but it’s important to review your policy details to confirm coverage for specific events.
12. Is AAA rental car insurance worth the cost?
Whether AAA rental car insurance is worth the cost will depend on your individual needs and circumstances. Consider factors such as the cost of the rental, the coverage limits, and your existing insurance policies before making a decision.