Auto & home claims

Call anytime to submit an auto or home claim

Agent on phone
Call us anytime to report a claim

You can contact us 24/7 to file a claim on your auto or home insurance policy through AAA. We’ll gather the facts so we can determine how to proceed, help select applicable coverages and benefits, and do our best to address any concerns you may have.

 

Already have a claim? If you’re in the middle of the process, you can call your claims representative. You can also track your recent auto claim online.

 

What to do if your property is damaged

 
Vehicle damage

1. Call 911 to get medical assistance. Discuss the incident with police only

 

2. Exchange contact information with drivers, passengers, and witnesses.

 

3. Collect documentation; photograph the damage, get license plate numbers, and sketch out the impact.

 

4. Report your claim by contacting our 24/7 claims call center.

Home damage

1. File a police report and notify your bank and credit company if needed.

 

2. Keep invoices and take photos if your property needs temporary repairs.

 

3. Be cautious. If you’re met with a claim, do not commit to expenses beyond emergency first aid.

 

4. Report your claim by contacting our 24/7 claims call center.

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Get help after an accident

AAA policyholders can call us to get assistance after a crash.1 With AAA Accident Assist, we’ll:

  •  Tow your vehicle to the repair shop of your choice
  •  At your request, contact family members on your behalf
  •  Arrange a rental vehicle if coverage applies
  •  Complete your claim notice at your convenience

If you’re in a crash, call AAA Accident Assist from a safe location and provide information on:

  •  Where and when the crash happened
  •  The drivers and vehicles involved
  •  Police report, if applicable
  •  Any witnesses and descriptions of damage
repair

Rest assured with AAA Member Preferred repairs

Of course you can have your vehicle serviced at a facility of your choice. But with AAA Member Preferred Repairs, the service you receive is maximized with a lifetime warranty on workmanship.Call to find pre-qualified facilities close to you.

claims

Keep a record of everything you own

Would you be able to list the possessions you’ve accumulated over the years if they were destroyed? A home inventory can settle your claim faster, verify losses for your tax return, and help you pick the correct amount of insurance.

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Easily access your vehicle proof of insurance

We make it easy for you to access your vehicle proof of insurance card. You can log in to your account for a printable card, or use our mobile app to access a digital version that’s handy when you’re on the go.

Frequently asked questions

Auto insurance claims

What information should I collect after a crash?

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  • Name, address, phone number, driver’s license number, vehicle, and insurance information of those involved

  • If safe to do so, photos of all vehicles at the scene

  • Witness and/or police information, if applicable

What is the claims process?

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A claims representative will assist you throughout the entire claims process. Here are the key steps:

  • Gather facts of the accident to determine responsibility

  • Explain coverage and benefits of your policy

  • Arrange repairs and a rental car if covered by your policy

  • Coordinate a tow if your vehicle is not drivable

What is the vehicle repair process?

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On average, the repair process takes about 14 days. While new technology can help prevent accidents, it has also made repairs more complex. Here is how our vehicle repair process works:

  1. AAA appraiser or shop completes appraisal/estimate

  2. Vehicle disassembled as necessary to identify damage

  3. Appraisal/estimate finalized

  4. Parts ordered

  5. Body and mechanical repairs completed

  6. Vehicle primed, painted, reassembled, and lightly detailed

  7. Vehicle undergoes quality assurance check

  8. Vehicle test driven as needed

  9. Status updates provided throughout the repair

  10. Vehicle pickup scheduled

How is the cost of my repair determined?

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As part of our claims service, we will provide an estimate for your vehicle repairs. Many advanced safety features in newer vehicles require special handling.

What if my vehicle is declared a total loss?

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Here are some things you should know in the event your vehicle is declared a total loss:

  • A detailed valuation report will be generated based on the fair market value for comparable vehicles for sale in your market area.

  • If your car is financed, we will need the contact information for your lienholder including the account number so that we can obtain a payoff amount.

  • AAA offers a car purchasing program that can assist you with locating a replacement vehicle.

Do I need to speak to the other insurance carrier?

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As part of the claims process, the other insurance carrier may request your information. You’ll need to communicate with the other carrier if you are seeking damages beyond your AAA coverage.

What are the benefits of using my own insurance company?

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Using your own insurance can expedite and simplify the claims process. If you have the applicable coverage, we can handle vehicle repairs and help you rent a vehicle. Also, if you are not primarily responsible, using your own insurance does not impact your annual premium.

Will my deductible apply?

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Your deductible applies only to your insured vehicle and is payable to the repair shop or will be deducted from the total loss settlement. Certain factors may allow AAA to waive your deductible. Your claims representative will let you know if your deductible applies.

What if I don’t have rental coverage?

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Your claims representative can provide a courtesy insurance rate with a preferred rental agency.

Does AAA have a network of approved repair shops?

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Yes. Our Member Preferred Repairs program consists of AAA Approved Auto Repair shops that communicate directly with claims representatives to provide expedited inspections, quality service, and a lifetime workmanship warranty on the repairs as long as you own the vehicle. Your claims representative can assist you in selecting an approved shop.

Will my insurance rates go up because of the crash?

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If you are found to be primarily responsible for the crash, your rates may be affected. Any applicable increase will go into effect once your policy renews and will be in effect for 3 years.

What if my vehicle is towed from the accident scene?

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If your vehicle carries the appropriate coverage, your insurance will pay for the tow and reasonable tow yard storage fees. The tow is not deducted from your annual road service calls afforded by your membership. Keep a record of who towed your vehicle and where so your claims representative can assist with recovering the vehicle. We also offer AAA Accident Assist if your vehicle is not drivable after a crash. The program features:

  • Prompt arrival at the crash scene with a AAA-branded service provider

  • A simplified claim reporting process through first contact resolution

  • Reduced repair time; your vehicle is delivered promptly to the repair shop

  • Expedited rental vehicle delivery, if applicable

What if I’m involved in a collision and the other party sues me?

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If you receive any legal correspondence, advise your claims representative.

Should I pay for optional protection on a rental car while my vehicle is in the shop due to a claim?

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Purchasing the optional protection products from the rental agency is a personal choice. While your AAA insurance coverage may transfer to the rental vehicle, the deductible may apply if a loss occurs with the rental vehicle. Optional protection products are not reimbursable.

Home insurance claims

What information should I provide when reporting a property claim?

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The following information will be helpful when reporting your claim:

  • Date and cause of the loss

  • Inventory of damaged property

  • For theft claims, were the police contacted? What is the police report number?

  • For injury claims, names and contact information of injured person(s) and witnesses

Should I wait to file a claim if I don’t have all of the information above?

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While the information above is helpful, we recommend reporting your claim as soon as possible that way we can inspect the damaged property and investigate your claim. You can provide updates to your claims representative during the process.

Do I need to contact the police?

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Yes, the police should be contacted if you believe a crime has been committed.

What if I need emergency repairs?

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When filing your claim, ask if your situation qualifies for a referral through AAA’s network of emergency services providers. This network is available to assist emergency claims 24 hours a day, 7 days a week.

There are many advantages to using a pre-approved contractor, but you ultimately choose who provides services for your home. Coverage for emergency services may be subject to policy terms and conditions.

What if I need to make temporary repairs, such as repairing a broken pipe?

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Make temporary repairs if needed to avoid additional damage. If you make repairs, photograph the affected area before, during, and after. Remember to also keep receipts for temporary repairs, and when possible, save the original parts that were fixed.

Will my claim be covered?

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Each situation is unique. Your representative will explain your policy coverage, investigate your loss, and answer your questions. We may not know if your loss is covered until an investigation is completed.

If someone is injured on my property and they file a claim, am I liable?

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If someone files a claim against you, we will investigate to determine if you are liable for damages.

What should I do if my home is not livable after a loss?

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Report your claim immediately. Additional living expenses are provided for covered losses in the event your home is uninhabitable. We can assist you in finding temporary housing if needed.

Will my insurance rates increase because of this claim?

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A claim may cause an increase in your next renewal premium. There are multiple factors considered in determining future premium rate changes such as the type, cause, and frequency of losses.

AAA Insurance is a collection of AAA branded products, services and programs made available to qualified AAA members. AAA personal lines insurance is provided to qualified AAA members by Inter-Insurance Exchange of the Automobile Club. Life insurance is underwritten and annuities are offered by AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states, except NY. Your local AAA Club and/or its affiliates acts as an authorized agent for their affiliate insurers including AAA Life.

1For members with liability-only or other limited coverage with AAA’s affiliate insurer, roadside assistance service is provided under your membership (not your insurance policy), and may be subject to membership restrictions. Repairs, rentals, and other benefits are subject to policy coverages and limits.

2Warranty applies to each claims repair under the program, excludes parts and materials, is non-transferable, and does not apply to those with liability-only or other limited coverage. Other restrictions apply.

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