Decoding AAA Car Insurance: What’s Covered – The Car Or The Driver?

When it comes to car insurance, understanding what is covered can be a bit confusing. One of the biggest questions people often ask is whether the coverage is for the car or the driver. This is especially true for AAA auto insurance companies, as their policies can vary by state and type of insurance chosen. So let’s dive into decoding AAA car insurance and find out what’s covered.

First of all, it is important to understand that AAA offers different types of coverage options. The most common are liability insurance, comprehensive insurance and fully comprehensive insurance. Let’s take a closer look at each item to understand what is covered.

Liability insurance is the statutory basic insurance in most countries. It protects you financially if you’re at fault in an accident and covers the other driver’s medical expenses and property damage. This coverage is generally tied to the driver, not the car. So if you have AAA liability insurance and are licensed to drive someone else’s car, you’re still covered.

On the other hand, comprehensive insurance is intended to protect your own vehicle in the event of an accident. It covers the cost of repairs or even replacement if your car is damaged beyond repair. This insurance coverage is usually tied to the car, not the driver. So if you’re lending someone your car and they’re involved in an accident, your collision protection will usually apply.

Comprehensive insurance is more comprehensive and covers damage to your car caused by events other than collision, such as theft, vandalism or natural disasters. Just like comprehensive insurance, comprehensive insurance is usually tied to the car and not to the driver. So if your car is stolen or damaged while parked, your fully comprehensive cover will usually take effect.

It is important to note that the details of the coverage of these policies may vary depending on the terms of your AAA auto insurance policy. It’s always a good idea to check your policy and contact your insurance agent to fully understand what is and is not covered.

In addition, AAA offers optional insurance coverage, e.g. B. health insurance, personal injury protection and insurance for uninsured/underinsured drivers. These covers can provide additional protection for both the driver and the car, depending on the circumstances.

In summary, the decoding of AAA car insurance shows that depending on the type of insurance chosen, both the car and the driver can be insured. Liability insurance is usually tied to the driver, while comprehensive and comprehensive insurance is usually tied to the car. Optional covers can provide additional protection for both the driver and the car. To fully understand what is covered, it is important to review your policy and contact your insurance agent.
#Decoding #AAA #Car #Insurance #Whats #Covered #Car #Driver

Yorum yapın