Will AAA cover my rental car?

Will AAA cover my rental car?

If you’re a member of the American Automobile Association (AAA), you may be wondering if your AAA membership extends to coverage for rental cars. The short answer is, it depends on the type of AAA membership you have. Here’s what you need to know:

AAA offers different levels of membership, each with its own benefits. Some AAA memberships come with rental car coverage, while others do not. If you have AAA Plus or AAA Premier membership, you may be eligible for rental car coverage. However, it’s essential to check your specific AAA membership details to see if this benefit is included.

If your AAA membership does include rental car coverage, it typically covers things like physical damage to the rental car, theft, towing, and loss of use charges. However, coverage limits and exclusions may apply, so it’s crucial to read the fine print of your AAA membership benefits.

Keep in mind that AAA rental car coverage is secondary to any other insurance you may have, such as your personal auto insurance policy or a credit card that offers rental car insurance. This means that your primary insurance will be responsible for covering any damages or losses first, and then AAA rental car coverage may step in to fill in any gaps.

It’s also worth noting that AAA rental car coverage is generally limited to rentals within the United States and Canada. If you plan to rent a car internationally, it’s essential to check with AAA to see if your rental will be covered.

Ultimately, the best way to find out if AAA will cover your rental car is to review your AAA membership benefits or contact AAA directly for more information. If you don’t currently have rental car coverage through AAA, you may want to consider upgrading your membership to a level that includes this valuable benefit.

FAQs about AAA rental car coverage:

1. Will AAA cover rental cars outside of the United States and Canada?

AAA rental car coverage is typically limited to rentals within the United States and Canada. If you plan to rent a car internationally, you may need to explore other insurance options.

2. Does AAA rental car coverage include liability insurance?

AAA rental car coverage primarily focuses on physical damage to the rental car, theft, towing, and loss of use charges. It’s essential to check with AAA or your primary insurance provider for liability coverage details.

3. Can I add additional drivers to my rental car coverage through AAA?

AAA rental car coverage typically extends to the primary member and their immediate family members. If you plan to add additional drivers, you may need to contact AAA or your rental car company for more information.

4. What types of rental cars are covered by AAA?

AAA rental car coverage usually applies to standard rental cars, such as sedans and compact vehicles. Luxury or specialty cars may not be covered, so it’s essential to check with AAA for specific vehicle eligibility.

5. Does AAA rental car coverage include roadside assistance?

AAA offers roadside assistance as a separate benefit from rental car coverage. If you encounter any issues with your rental car while on the road, you can contact AAA for assistance.

6. How do I file a claim for rental car coverage through AAA?

If you need to file a claim for rental car coverage through AAA, you can contact their claims department directly for assistance. Be prepared to provide details about the rental car, the incident, and any other relevant information.

7. Can I purchase additional insurance through AAA for my rental car?

If you need additional insurance coverage for your rental car, you may be able to purchase a separate policy through AAA or explore supplemental insurance options with your rental car company.

8. Is there a deductible for rental car coverage through AAA?

AAA rental car coverage may have a deductible that you’re responsible for paying in the event of a claim. Be sure to review your AAA membership benefits to understand the deductible amount and any other terms and conditions.

9. How long does AAA rental car coverage last?

AAA rental car coverage typically applies for the duration of your rental period. Once you return the rental car and settle any claims, the coverage will no longer be in effect.

10. Can I transfer my AAA rental car coverage to someone else?

AAA rental car coverage is usually tied to the primary member and their immediate family members. If you need to transfer coverage to someone else, you may need to contact AAA for assistance.

11. Does AAA rental car coverage include personal belongings in the rental car?

AAA rental car coverage primarily focuses on the vehicle itself and may not extend to personal belongings inside the rental car. It’s essential to check with AAA or your primary insurance provider for coverage options.

12. What if I have multiple insurance policies that cover my rental car?

If you have multiple insurance policies that may provide coverage for your rental car, your primary insurance will typically be responsible for covering any damages or losses first. AAA rental car coverage may then step in to supplement any remaining costs, up to the coverage limits.

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