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If, by AAA, you are referring to the American Automobile Association, it is not an insurer, per se. Instead, it acts more like an agent and sells insurance and insurance-like products of other companies. It also has branded products, such as its well-knowing towing service. However, AAA does not bear the risk for these services--that is, it is not financially responsible for the payment of the claims, which is the essence of insurance.

In direct answer to your question, your best bet would be to contact your local AAA office (which may look much like an insurance agency), bring them the claim information (such as your claim for rental reimbursement benefits), and they will take it from there. Naturally, you need to have been a member in good standing at the time of the occurrence to be entitled to benefits.

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