One of the perks of being a AAA member is access to a variety of travel-related benefits and services. Many people wonder if their AAA membership includes rental car insurance. The answer to this question may vary depending on the specific membership level you have.
AAA Membership Levels and Rental Car Insurance
AAA offers different membership levels, each with varying levels of benefits and services. Some AAA memberships include rental car insurance as a standard benefit, while others may offer it as an optional add-on for an additional fee.
Basic AAA Memberships
Basic AAA memberships typically do not include rental car insurance as a standard benefit. However, some basic memberships may offer discounts on rental car insurance or provide access to special rates through AAA’s partners.
AAA Plus Memberships
AAA Plus memberships often include rental car insurance as a standard benefit. This means that if you have an AAA Plus membership and rent a car, you may already be covered for certain damages or losses.
AAA Premier Memberships
AAA Premier memberships usually offer the most comprehensive benefits, including rental car insurance. With an AAA Premier membership, you can typically enjoy coverage for damages, theft, and loss of use when renting a car.
FAQs About AAA Membership and Rental Car Insurance
1. Can I add rental car insurance to my AAA membership?
Yes, some AAA memberships allow you to add rental car insurance as an optional benefit for an additional fee.
2. Does AAA offer primary rental car insurance coverage?
AAA’s rental car insurance is often secondary coverage, meaning it kicks in after your primary auto insurance policy.
3. Does AAA cover rental cars outside the United States?
AAA’s rental car insurance may not offer coverage for rentals outside the United States. It’s best to check with AAA or your insurance provider for coverage options when traveling internationally.
4. What type of coverage does AAA rental car insurance provide?
AAA rental car insurance typically provides coverage for damages, theft, and loss of use on rental vehicles.
5. Is AAA rental car insurance only valid for personal use rentals?
Most AAA rental car insurance policies only cover rentals for personal use, not for business or commercial purposes.
6. Can I use AAA rental car insurance for long-term rentals?
AAA rental car insurance coverage may have limitations on the length of rental periods it covers. Check with AAA for specific details on long-term rental coverage.
7. Are there any exclusions to AAA rental car insurance coverage?
AAA rental car insurance may have exclusions, such as coverage limitations for certain types of vehicles or rental agreements. Review your policy for details.
8. Can I use AAA rental car insurance for luxury or specialty vehicle rentals?
AAA rental car insurance may have restrictions on coverage for luxury or specialty vehicles. Check with AAA for details on coverage limitations.
9. Do I need to decline the rental company’s insurance when using AAA rental car insurance?
In most cases, you may be required to decline the rental company’s insurance in order to use AAA rental car insurance. Check with AAA for specific requirements.
10. Does AAA rental car insurance cover roadside assistance for rental vehicles?
Some AAA memberships include roadside assistance benefits that may extend to rental vehicles. Check your membership details for coverage information.
11. Can I file a claim with AAA for rental car insurance coverage?
If you need to file a claim for rental car insurance coverage through AAA, contact their claims department for assistance and guidance on the claims process.
12. How can I find out if my AAA membership includes rental car insurance?
To determine if your AAA membership includes rental car insurance, review your membership benefits or contact AAA for clarification on coverage details.