Yes, AAA covers rental car insurance and it helps with a rental car when your car is getting fixed after an accident, but there are conditions.
Your car must be damaged in a crash, and you need an approved claim with rental reimbursement coverage.
This coverage is an extra option, and it costs less than $10 a month with AAA.
In this article, we will discuss about “How To Get Reimbursement For Rental Car In AAA?” step by step.
How does AAA cover rental car Insurance?
AAA offers various coverages for rental cars, ensuring you’re safeguarded in different situations.
- Third-party coverage
- Non-owners insurance
- Pet insurance coverage
- Uninsured motorist coverage
- Long-distance travel coverage
- Family coverage
If you damage someone else’s rental car, AAA’s coverage, known by different names like Extended Protection (EP) or Liability Protection (LP), has you covered.
If you drive a rental without personal insurance, AAA’s non-owner insurance covers the damage costs for the car you use but don’t own.
Pet Insurance Coverage
AAA provides pet insurance coverage if your pet is injured in an accident. Check with your local AAA office for availability.
Uninsured Motorist Coverage
This protects both the rental car and its driver in case of an accident, saving you from paying for damages. Always verify coverage details with your local AAA office.
Yes, AAA covers rental cars for long-distance travel, but certain restrictions apply. Confirm the coverage by signing AAA’s rental car agreement.
Your AAA membership allows you to add family members, ensuring they are protected while driving a rental. Children away at school without a car still enjoy AAA benefits.
Remember, coverage specifics may vary, so check with AAA to understand the benefits you can receive based on your membership level.
How To Get Reimbursement For Rental Car In AAA?
You know what, getting rental car reimbursement with AAA is very simple.
Follow these steps to get reimbursement for a rental car in AAA,
- Ensure You Have Coverage
- Document the Incident
- File a Claim
- Verify Rental Coverage
- Choose a Rental Car
- Keep Receipts
- Submit Documentation
- Wait for Reimbursement
Ensure You Have Coverage
Confirm that you have rental reimbursement coverage as part of your AAA policy.
Document the Incident
If your car is damaged in an accident, document the details, including photos if possible.
File a Claim
Contact AAA Insurance company to report the incident and initiate the claims process. Provide all necessary information, such as the accident report and details of the rental car.
Verify Rental Coverage
Confirm with AAA Insurance that your policy includes rental car reimbursement and understand the limits.
Choose a Rental Car
Once approved, select a rental car within the coverage limits set by AAA.
Save all rental car receipts. AAA will reimburse you based on the terms of your policy.
Submit the rental car receipts along with any other required documentation to AAA for reimbursement.
Wait for Reimbursement
AAA will review your claim and process reimbursement accordingly.
Be patient during this period.
Clear communication with AAA and timely submission of necessary documents will ensure a smooth rental car reimbursement process.
Why buy rental car insurance with AAA?
Here are the basic reasons you should know before buying rental car insurance,
- High deductible concerns
- Avoiding personal insurance claims
- Low coverage limits
- Renting a costly vehicle
- Renting car internationally
High Deductible Concerns
If your auto insurance has a high deductible, it applies to rental cars too. To avoid potential high out-of-pocket costs, consider getting rental car insurance for peace of mind.
Avoiding Personal Insurance Claims
If you recently made an insurance claim and fear your premiums skyrocketing, opting for rental car insurance could be a wise move.
It prevents additional claims on your insurance.
Low Coverage Limits
If your existing coverage feels insufficient, especially in unfamiliar areas or bad weather, consider boosting your coverage levels or adding extra protection from the rental car company or a third-party provider.
Renting a Costly Vehicle
Standard AAA auto insurance covers only up to your vehicle’s policy limit.
For costly rental cars like luxury SUVs, consider additional coverage to ensure ample protection.
Renting Car Internationally
While AAA covers rental cars in the US, if you’re renting abroad, you’ll need extra insurance. For international travel, purchase supplemental coverage to stay protected on the road. Always check your coverage limits for clarity.
Benefits of AAA car rental insurance coverage?
Certainly! Here are the 4 benefits of having rental car coverage,
- Get financial protection
- Get peace of mind
- Protecting your personal belongings
- Get Gap coverage
Get Financial Protection
If an accident or theft happens to you, rental car coverage saves you money by covering repair or replacement costs.
Get Peace of Mind
Having car rental coverage makes your rental experience more relaxing. You can enjoy your trip without worrying about unexpected costs from accidents.
Protecting Personal Belongings
In case your items are stolen from the rental, rental car coverage steps in to provide protection.
Your regular auto insurance might not cover this.
Get Gap Coverage
Rental companies may charge fees for “loss of use” (when the car can’t be rented while being repaired) and reduce costs.
“Some regular insurance policies miss these charges, but rental car coverage often includes them.”
Before you decide on rental car coverage, it’s important to check your existing auto insurance and any coverage from your credit card to avoid unnecessary expenses.
What Includes In Rental Car Coverage?
Rental car coverage typically includes
- Collision Damage Waiver (CDW)
Covers costs if the rental car is damaged in an accident.
- Liability Insurance
Protects you if you’re responsible for injuring someone or damaging their property.
- Comprehensive Coverage
Covers non-collision incidents like theft, vandalism, or natural disasters.
- Personal Accident Insurance (PAI)
Provides medical coverage for you and your passengers in case of an accident.
- Personal Effects Coverage
Protect your belongings if they are stolen from the rental car.
If you’re a member of AAA, you can enjoy extra benefits when renting a car. Depending on your AAA membership level, you might get discounts on rental bookings, free rental days, or better coverage options.
Memberships cost between $60 and $100 with various services included. AAA partners with
- Thrifty, and
- Dollar, offering discounts on rental cars.
Additional benefits cover 24/7 roadside assistance, a free child safety seat, no extra driver or young driver fees, and discounts on flights, hotels, and cruises.
Keep in mind that your exact benefits depend on your specific policy and local AAA club, so it’s a good idea to contact AAA directly or check their official website for the most accurate information.
Frequently Asked Question
Is rental car insurance included with AAA automatically?
Check your AAA policy to see if rental car insurance is automatically provided or if you need to add it separately.
What specific rental car coverages does AAA offer?
AAA provides for rental cars, such as liability, collision, and comprehensive options.
Are there extra charges for AAA rental car insurance?
Find out if there are additional costs for specific rental car insurance options beyond what may be included in your basic AAA membership.
Does AAA cover rental cars outside the United States?
Contact AAA insurance providers and ask about car rental insurance covers outside of the US or not.
How do I go about filing a rental car insurance claim with AAA?
If you need to use your AAA rental car insurance, understand the process for filing a claim. Contact AAA immediately and follow their guidelines to ensure a straightforward claims experience.
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