Does Aaa Raise Insurance After Damaging Car Own Fault

Does AAA Raise Insurance After Damaging Your Own Car?

The Basics of Car Insurance

Accidents are an unfortunate part of life, and they can be especially devastating when you’re the one at fault. In most cases, if you cause damage to your own car, your car insurance will cover the costs of repairs. But, what happens when you’re a member of AAA? Does AAA raise insurance after damaging your own car?

The answer is not as straightforward as you might think. In order to understand how AAA handles insurance for members who have caused damage to their own cars, you first have to understand the basics of car insurance.

Car insurance is designed to provide financial coverage for damages that occur to your vehicle, as well as other people’s property, in the event of an accident. Typically, car insurance policies are divided into two categories: liability and collision. Liability insurance covers damages that you cause to other people’s property, while collision insurance covers damages to your own car.

Does AAA Raise Insurance After Damaging Your Own Car?

The short answer is no – AAA does not raise insurance after damaging your own car. However, it’s important to understand that there are certain conditions that must be met in order for this to be true.

First, you must be a member of AAA. If you’re not a member, then you’re not eligible for the benefits of AAA car insurance, which includes not having your premiums increased after an at-fault accident.

Second, even if you are a member of AAA, your insurance premiums may still be increased after an at-fault accident. This will depend on the severity of the damage and the amount of coverage that you have. For example, if you’re only covered for liability and the repairs to your car are more expensive than the coverage that you have, then your premiums could be increased.

Finally, if you’re a member of AAA and you’re involved in an at-fault accident, you may still be subject to an increase in your premiums, but the increase may be less than if you were not a member of AAA. This is because AAA provides discounts to members who have a good driving record and who have not been involved in at-fault accidents in the past.

What Are the Benefits of Being a Member of AAA?

In addition to not having your insurance premiums raised after an at-fault accident, there are a number of other benefits to being a member of AAA. These include discounts on car rentals, roadside assistance, and a variety of other services.

Members of AAA also have access to a wide range of travel services. These services include discounts on flights, hotels, and car rentals, as well as access to exclusive travel deals.

Finally, members of AAA also have access to a variety of other services, such as home and auto repair services, and discounts on auto parts and accessories.

Conclusion

In conclusion, AAA does not raise insurance after damaging your own car, provided that you’re a member of AAA and the damage is not more extensive than the coverage that you have. However, even if you are a member of AAA, your premiums may still be increased depending on the severity of the damage and the amount of coverage that you have.

Regardless, the benefits of being a member of AAA far outweigh the potential drawbacks, as members have access to a wide range of travel services, discounts on car rentals and auto parts, and roadside assistance.