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Everything

You have years of good experience with AAA roadside assistance. You think their auto insurance must be good too. Wrong!!! The price you got from the online quota is not the price you actually pay. You will get a higher number once you walk into the agent's office. But that’s not the end of the story. The agent will submit the application to the so called underwriter, who made the final decision on how much you have to pay, which usually leads to another higher number.

The AAA agents only sell the policy to you, once you made the payment, they are done with you. You are in no way to reach them by the phone for any types of problems. You think you can walk into their office and ask them in the face, but I am sure you will still get no answer. All they can say is, I don’t know, but you can call the corporate headquarter.

One of my colleagues said his uncle got so frustrated with AAA auto insurance that he decided to pay the penalty to cancel the policy in order to switch to another company. Another colleague told me he was fine until he had a car accident. Then the nightmare began.

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billing errors and lack of responsibility adjusting claims

they will do anything to get out of paying for a claim. I have a complaint filed with the State and have a private adjuster working to rectify a recent denial.

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They are not insurers. They delegate to an underwriter. All they do is collect fees and be the front for the underwriters.

Unfortunately had an accident while having AAA as my insurance. Their accounting dept forgot to withdraw my monthly payment from checking account although they acknowledged having received my request and example check. Since they forgot, their other department canceled my policy without my knowledge. 3 months after start of policy, my wife was involved in fender bender and we learned that they declined due to a canceled policy. Hours of explanation with their office changed nothing. They are scum ... I paid all myself to avoid the collection agency from the other party ... Never again will I use amateurs that pose for professional insurance agents ! They talk the talk but they dont walk the walk !!

Similar Products Used:

Geico much much better. Can be trusted at least.

Member Relations

I work for AAA and just want to let you know that if you ever have a problem AAA Member Relations wants to help. Contact them at MemberRelations@national.aaa.com. They'd love to hear from you!

I was recently in a car accident and my car totaled by an 88 year old lady who, in my opinion, should have never been behind the wheel. I have to say that I wish I had a better auto insurance company than AAA. It feels like I'm doing all the leg work and in an effort to get the answers to what do I do next they are not even returning my calls. When I was in a fender bender a few years ago I had Esurance and they were fantastic. I filed the claim and they took it from there-touching base with me from time to time. This is what I get for trying to save a buck.

I can't fault them for their speed. They arranged to have my vehicle towed almost immediately. Service up to that point was fast and great. They sent out my check for the estimated work. Service up to that point was still fast and great.

When it came to having my car mechanically fixed... suddenly all that great service went down the toilet. It was frustrating to have my car sit there for over a month... while *I* had to do all the work. I made all the calls. I drove down to the bodyshop myself. I had to do all the communication and be the middle man. I'm the one who was hit by one of *THEIR* insured drivers.

I personally am not insuranced through AAA. A while back a man crashed into the side of my car while it was parked at work. He was gracious enough to leave a note on my car, and by the time I discovered the damage and had called him... he had already filed the claim. I was pleasantly surprised by his responsiveness and was eager to get the claim all squared away and have my vehicle either repaired or totaled out.

I called AAA and the CSR I talked to was helpful. The next day my car was towed off to one of their "authorized" repair centers. One of their adjusters went out and soon after I got a fax of the quote to repair my vehicle. The quote was for $2200 some odd dollars, but was just for body work. It didn't include damage to the rear axle.

That is where my frustrations began to happen. Over the next *MONTH* I constantly had to deal with the body shop and with AAA. To their credit I got the check for the initial estimate, but never to get the rear axle fixed. Instead of the AAA rep calling "their" approved bodyshop... it was left to ME to make all the calls.

The cliffnotes version of our conversations.

Me [to bodyshop]: I have the check for the estimate amount. I'd be more than willing to sign the check over to you to do the bodywork. I need however a quote for the rear axle. I have no doubt you can make my car look like new, but it will do me no good with the rear axle messed up how it is.

Bodyshop: We'll have to get back to you, because the work is done off-site. An AAA adjuster will have to come out and look at the vehicle to look for any mechanical damages.

Me [to AAA]: What is going on with the adjuster? The bodyshop can fix the exterior just fine, but I need to get it mechanically fixed as well.

AAA: I'll call the bodyshop and get it sorted out.

This was essentially what went on for a nearly a month. Me calling back and forth and not receiving ANY positive news at all. In the meantime I was sitting on a check for the estimate, and I was more than willing to pay whomever it f'n took get my car repaired.

Eventually I got so frustrated I ended up towing my car from the bodyshop to my house. I bought an air compressor, impact wrench, impact sockets, and a few other various tools. I went to the junkyard and pulled the entire rear subframe from another Probe. I ended up swapping in all drivers side suspension components, lateral arms, etc, etc by myself.

The body work was never fixed and it was an eyesore. I however ended up with a lot of new tools and a lot of cash left in my pocket.

Good coverage

Everything else-price, employees... just everything.

AAA is garbage. My mother has had AAA insurance for almost 30 years so when I've gotten my last few cars i decided to go with AAA to get a discount. I am a poor college student doing the best I possible can in the economy we're living in today. I've tried to pay my insurance in a timely fashion. Whenever I call them or go into a branch to pay my bill they always ask for usually twice the amount thats on my statement. For example, today I called and said I had my $252 payment and i was going to go into my local branch to pay it. Well, surprise! actually your $252 is no good to us, we need $636! They did absolutely nothing to help me and were far from understanding of my financial situation. I cannot wait to find a reasonably priced insurance company that will work with my budget and be understanding of my budget as well! Todays a new day! If you've got lots of extra money to burn, AAA is the insurance company for you!

Ease of reporting claim, reimbursement of deductible, rental reimbursement efficiency, friendliness of staff, professional insurance adjustor

It took a few months to verify the other person did not have insurance. It was approximately three months before I was reimbursed for my deductible. It was not all their fault. GEICO had to provide verification of a cancelled policy.

My husband was hit by an uninsured, unlicensed driver January, 2006. AAA paid to repair the vehicle. They also would rent a car for us. AAA had a Hertz employee working for them in their claim office and would take care of all of the paperwork and would deliver the car to our home, work, or the repair shop.

Our policy had waiver of deductible for uninsured drivers. After it was verified that they car was uninsured, they reimbursed us our $500 deductible.

We were happy with how quickly the claim was handled and how our claim was adjusted.

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Horace Mann, Travelers, Safeco

I don't have AAA. However, the man who doesn't use his eyes while driving does. I was parking on the street (residential) when he hits the gas pedal to back up out of his driveway. I have talked to AAA 3 times, the first two were with very confusing people who tried to get me twisted up and tongue tied,they lost that battle very quickly. The third time I talked to AAA I finally got to speak with the adjuster who informed me that they hadn't even spoke to the man in other other car because he wasn't answering his phone so they were taking my report first. She scheduled a time for someone to come out and look at my car, and review the quote from the auto collision center. When I went to the auto collision center, the man informed me that if the other driver was at fault then he owed me a rental while my car was in the shop. So I tried to call AAA to see if they ever talked to the man and what their say in the matter was, if he admitted guilt or was found at fault. No answer, I left a message. Then I called my insurance Geico and asked a few questions like if I was owed a rental, and informed them that I had been trying to reach the adjuster at AAA with no answer, or calls back, and she put me on hold, tried to call the adjuster, left a message, and told me she'd call me when they heard from her. I tried to call the local office where the claim was filed for AAA and before the lady let me finish, she transferred me to the adjuster who did not answer her phone. I am currently waiting for the person who is supposed to come out to inspect my car from AAA. To all who consider AAA rethink....

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Everything

AAA is bunch of Jerks trying to rip you off. They do not have any courtesy towards customers and they are not at all customer friendly. They expect you to get into an accident next to your door step every time so that they need not authorize rental vehicle.