Does Aaa Cover Rental Cars After An Accident?

Car accidents are never a pleasant experience. The aftermath can be stressful, especially when it comes to rental cars. If you’re a member of AAA, you may be wondering if your coverage extends to rental cars after an accident. In this article, we’ll explore what exactly AAA covers and what you need to know about rental car coverage.

Yes, AAA covers rental cars after an accident if you have rental reimbursement coverage. This coverage is an optional add-on to your AAA auto insurance policy, but it can be extremely helpful in situations where your car is in the shop for repairs. With rental reimbursement coverage, AAA will pay for a rental car while your car is being repaired, up to the limit of your policy.

Does AAA Cover Rental Cars After an Accident?

Getting into a car accident can be a stressful and overwhelming experience. Along with the damage to your car and any injuries you may have sustained, you may also be left without transportation. This is where rental car coverage comes in. One of the most common questions asked by AAA members is whether or not their insurance policy covers rental cars after an accident. In this article, we will explore the answer to this question and provide you with all the information you need to know.

What is AAA Rental Car Coverage?

AAA offers rental car coverage to its members as an optional add-on to their existing insurance policy. This coverage provides reimbursement for the cost of a rental car if you are involved in an accident and your car is no longer drivable. In addition to accidents, rental car coverage may also apply if your car is stolen, vandalized, or damaged due to a natural disaster.

It is important to note that rental car coverage is not included in your standard AAA car insurance policy. You will need to add this coverage to your policy if you want to be covered for rental cars.

What Does AAA Rental Car Coverage Include?

AAA rental car coverage includes reimbursement for the cost of a rental car while your car is being repaired or replaced after an accident or other covered event. The coverage typically includes the cost of the rental car itself, as well as any applicable taxes and fees. Depending on your policy, there may also be a limit on the number of days or total cost that will be covered.

It is important to note that AAA rental car coverage does not include any additional insurance coverage for the rental car itself. You will need to purchase separate insurance coverage through the rental car company if you want to be fully covered while driving the rental car.

How Do I Add AAA Rental Car Coverage to My Policy?

If you are interested in adding rental car coverage to your AAA policy, you can do so by contacting your local AAA agent. They will be able to provide you with more information about the coverage options available to you and help you add the coverage to your policy.

When adding rental car coverage to your policy, be sure to review all of the details of the coverage carefully. Make sure you understand the limits of the coverage, the deductible amount, and any other important details before making a decision.

What are the Benefits of AAA Rental Car Coverage?

There are several benefits to adding rental car coverage to your AAA policy. First and foremost, it provides peace of mind knowing that you will have access to a rental car if your car is damaged or stolen. This can be especially important if you rely on your car for work or other important activities.

Another benefit of rental car coverage is that it can save you money in the long run. Without rental car coverage, you would be responsible for paying out of pocket for the cost of a rental car while your car is being repaired. This can add up quickly, especially if the repairs take several days or even weeks to complete.

AAA Rental Car Coverage vs. Rental Car Company Insurance

While AAA rental car coverage may provide reimbursement for the cost of a rental car, it does not include any additional insurance coverage for the rental car itself. This means that if you are involved in an accident while driving the rental car, you may be responsible for paying for any damages or injuries that occur.

On the other hand, rental car company insurance typically includes liability coverage, collision coverage, and other types of insurance that can protect you financially if you are involved in an accident while driving the rental car. However, rental car company insurance can be expensive and may not be necessary if you already have adequate insurance coverage through your AAA policy.

Conclusion

Adding rental car coverage to your AAA insurance policy can provide peace of mind and financial protection if you are involved in an accident or other covered event. Be sure to review all of the details of the coverage carefully before making a decision, and consider whether additional insurance coverage through the rental car company is necessary for your specific situation.

If you have any questions or concerns about rental car coverage or any other aspect of your AAA insurance policy, be sure to contact your local AAA agent for assistance.

Frequently Asked Questions

AAA is one of the most popular car insurance providers in the United States and has been providing reliable coverage for over a hundred years. One of the most common questions asked by AAA members is whether their policy covers rental cars after an accident. Here are some important things you need to know about AAA and rental car coverage.

What is AAA’s policy on rental car coverage after an accident?

AAA offers rental car coverage as part of its insurance policies. However, the specifics of this coverage vary depending on the type of policy you have. If you have comprehensive or collision coverage, then your policy will likely include rental car coverage after an accident. If you only have liability coverage, then you may not be covered for rental cars. It’s important to check your policy or speak with a representative to understand the specifics of your coverage.

If your policy does include rental car coverage, then you will likely be responsible for paying a deductible before the coverage kicks in. This deductible is typically around $500, but it can vary depending on your policy. Once you have paid the deductible, AAA will cover the cost of your rental car for a certain period of time while your vehicle is being repaired.

What types of rental cars are covered by AAA?

AAA’s rental car coverage typically covers standard rental cars, such as economy, compact, and full-size cars. However, if you need a larger vehicle, such as an SUV or a minivan, then your policy may not cover it. It’s important to check your policy or speak with a representative to understand the specifics of your coverage.

Additionally, if you are traveling outside of the United States and need to rent a car, then your AAA policy may not cover it. It’s important to check with AAA before you travel to ensure that you have the appropriate coverage for your rental car needs.

What should I do if I need to rent a car after an accident?

If you need to rent a car after an accident, then the first thing you should do is check your AAA policy to see if you have rental car coverage. If you do, then you should contact AAA to initiate the rental car process. AAA will typically work with a specific rental car company to provide you with a vehicle while your car is being repaired.

If you don’t have rental car coverage through AAA, then you may still be able to rent a car through your insurance company. Many insurance companies offer rental car coverage as an add-on to their policies, so it’s important to check with your insurance company to see if you have this coverage.

How long will AAA cover my rental car after an accident?

The length of time that AAA will cover your rental car after an accident will vary depending on your policy and the specific circumstances of your accident. However, in general, AAA will cover your rental car for a certain period of time while your vehicle is being repaired. This period of time may be limited by your policy, so it’s important to check with AAA to understand the specifics of your coverage.

Additionally, if your vehicle is deemed a total loss, then your rental car coverage will likely end once the insurance company has determined the value of your car and issued a settlement.

Does AAA cover rental cars for non-members?

No, AAA rental car coverage is only available to AAA members who have purchased the appropriate insurance policy. If you are not a member of AAA, then you will need to purchase rental car coverage through your insurance company or through the rental car company itself.

However, if you are involved in an accident and the other driver is at fault, then you may be able to rent a car through the other driver’s insurance company. This will depend on the specific circumstances of the accident and the insurance policies involved.

In conclusion, AAA is known for providing exceptional roadside assistance services to its members. However, many people are still unsure if AAA covers rental cars after an accident. The answer is yes, but it depends on your specific policy and coverage options.

If you have AAA’s optional rental reimbursement coverage, you can expect to be reimbursed for the cost of a rental car while your vehicle is being repaired. This coverage is typically added to your existing auto insurance policy and comes with a daily limit and a maximum reimbursement amount.

It’s important to review your policy carefully and speak with your AAA representative to understand your coverage options. With the right coverage, you can have peace of mind knowing that you won’t be without a vehicle after an accident.