How To File A Car Accident Claim With AAA Insurance?

If you’re in a car accident that’s not your fault, you probably want to file a claim with the other driver’s insurance. 

But if you’ve never done this before or want to do it quickly, knowing what information to get, how to record the accident, and what damages to ask for might be tough.

Consider contacting a car accident lawyer to help you figure out how to file a car accident claim with AAA insurance. 

You know what? navigating the legal stuff can be tricky, but a lawyer can help you through all the steps of making a claim.

What Steps Should You Take Immediately If You Are Involved In A Collision?

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How to report an accident to AAA insurance?

If you’re in a car accident, follow these steps:

  1. Call the police
  2. Move to a safe spot
  3. Take pictures
  4. Exchange Info
  5. Get witness info
  6. Contact AAA Providers
  7. File your claim

Step 1 – Call the Police

Call the police and tell them your name, contact info, and where you are. Let them know if someone is hurt. Get the officer’s name and a report number for your insurance claim.

Step 2 – Move to a Safe Spot

If your car is still drivable and the damage is minor, move it off the road. Turn on hazard lights to warn others.

Step 3 – Take Pictures

Take photos of everything – the cars, any marks on the road, injuries, and property damage around.

Step 4 – Exchange Info

Swap details with the other driver(s): names, contacts, and insurance info.

Step 5 – Get Witness Info

If there are witnesses, get their names and contacts. It helps to have neutral people who saw what happened.

Step 6 – Contact AAA

Call AAA to report the accident. You don’t have to file the full claim right away, but let them know it happened.

Step 7 – File Your Claim

File a claim by calling AAA or doing it online on their website. If the other driver is at fault, use their info to contact their insurance.

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Average Annual Cost of AAA Insurance After an Accident

Here’s a simple breakdown of how your AAA insurance cost might change after an accident,

If You’re at Fault

Your AAA insurance could increase by about 24%. This depends on things like your age, driving experience, and where you live.

If You’re Not at Fault

Your insurance rates might go up by around 4%.

Example Rates

  • 16-year-old:
    • Before: $2,608 per year
    • After an At-Fault Accident: $3,245 per year
  • 45-year-old:
    • Before: $529 per year
    • After an At-Fault Accident: $658 per year

Note: These are estimates for a male driver in California. Your actual rates will vary

Filing a Claim With AAA

Once the police say it’s okay to leave the accident scene, reach out to our law firm for advice on what to do next. 

If the person who caused the accident has AAA Insurance, you’ll need to contact AAA to report the accident and set up a claim eventually.

But watch out for tricky recorded statements!

People from the insurance company might act friendly, but they’re not really on your side. They’re trained to ask tricky questions that can hurt your future injury claim. 

A personal injury attorney with experience can help you understand the claims process and give you important advice on getting the most from your injury settlement.

Saying the wrong thing in a recorded statement can hurt your claim and make you get less money for damages.

The adjuster will likely want to know all about the crash. If it wasn’t your fault, be clear that the other party caused the accident!

That’s why it’s smart to call an attorney before you talk to an insurance company, especially before dealing with a tricky AAA insurance adjuster.

What Happens After You Filing a Claim With AAA?

After you tell AAA about your accident and they assign someone to look into it, here’s what they’ll do:

Check Your Policy

AAA Insurance providers look at your insurance policy to see what it covers.

Investigate the Accident

AAA Insurance provider looks into the details of the accident.

Figure Out Who’s at Fault

They’ll decide who caused the accident.

Calculate Damage

They’ll figure out how much it’ll cost to fix your car.

Talk to the Other Insurance

If needed, they’ll negotiate with the other driver’s insurance.

Once they finish looking into everything, they’ll get in touch with you. They’ll tell you what they found and how much money they can give you. ‘

If you don’t like their offer, you can talk to them or you can ask for help with a lawyer/attorney.

What Should You Know About Filing a Claim With AAA?

You know what? The American Automobile Association (AAA) is part of a group of companies called Auto Club. They provide protection services and insurance claims to their members. 

If you need to file a claim with AAA, here are some important details you should know before claiming,

  • Only members covered under their membership plan can make claims.
  • If you’re covered through a business plan, talk to your employer first. The process might be different from private plans.
  • Before filling out the claim form, check your policy information and pick the plan that suits your needs.
  • If you’re unsure about the process, contact AAA for answers to your questions. You can also talk to a car accident attorney for help.

Things to Know About Filing a Claim With AAA

Here are some important things to know when filing a claim with AAA,

Fault Matters

If the accident wasn’t your fault, file the claim with the at-fault driver’s insurance. If it was your fault or the fault is unclear, you can file a claim with AAA using your collision insurance.

Recovering Expenses

If you’re not at fault and have collision insurance with AAA, they may try to get the money back from the at-fault driver’s insurance later.

PIP for Medical Expenses

In states with no-fault laws, like PIP insurance, you can file a claim with AAA for medical expenses, regardless of fault.

MedPay in Some States

In Maine and New Hampshire, MedPay coverage is required. You can file a MedPay claim with AAA for medical expenses in these states. MedPay covers similar expenses to PIP but with less coverage.

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Wrap Up

Dealing with a car accident and the insurance claim process can be tricky. To make it easier, know the steps, understand your rights, and consider getting advice from a professional. 

Don’t forget to reach out to AAA quickly, give them accurate details about the incident, and stay informed about your choices during the claims process.

Frequently Asked Question

How much does AAA insurance increase after an at-fault accident?

On average, it can go up by about 24%, but the actual increase depends on various factors.

Can I negotiate with AAA if I’m not satisfied with their claim offer?

Yes, you can negotiate or file a complaint with the California Department of Insurance.

What information should I collect at the accident scene?

Gather details about the other driver, take photos, and get witness information if possible.

How do I contact AAA to report an accident?

Call AAA or file the claim online through their website.


The information provided in this guide is based on general knowledge about car accidents and insurance claims. 

Specific details may vary based on individual circumstances and regional regulations. For accurate and personalized advice, it is recommended to consult with legal professionals and insurance representatives.

Jesuraj S

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