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There are two different types of AAA Auto Insurance, one is through the card membership, and varies from club to club, or the Personal Auto Insurance plan.

Your personal Auto insurance can vary depending upon which plan you select from AAA at the time of contracting. Some of the policies cover an extremely limited section of coverage, usually limited to Liability, but does not cover essentials such as loss or damage to vehicle, CDW (Collision Damage Waiver), PAI (Personal Accident Insurance), PEC (Personal Effects Coverage), etc. And, in many cases, it can even exclude the LDW (Liability Damage Waiver).

Many of the AAA club memberships offer a minimum traffic surety bond, meaning, should you be in a traffic accident and are subject to arrest, the AAA bond covers the posting of the surety, up to a limited amount. However, should there be the presence of alcohol, of any sort, the AAA surety absolves itself from any offer of surety.

It might also be considered that items not covered through car hire insurance, may be covered through your home owner's policy.

In every instance, it is best to obtain clear information from your insurance carrier directly to ensure you have the appropriate and legally required coverage. An accident or loss pertaining to a hire car vehicle can have impacting and lasting consequences. It is best to be informed in advance, especially when it comes to having to pay for daily policy options, offered through the Hire Car agency, which can often dramatically increase the cost of your hire car far beyond the total rental cost.

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Q: How long a period of time does AAA Auto Insurance cover a rental car?
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