Bonneville America Forums Forums Off Topic Discussion Forums Lounge AAA Coverage

Just got an ad in the mail for AAA auto coverage. One question though about how it works; Does the tow truck driver or service station do the work and you pay him on the spot, with the money returned to you by AAA later, OR; does the tow truck driver simply take your card and provide services and HE then bills AAA? And Motorcycle coverage is not provided but is a separate kind of policy?

AAA basic is 3 miles free then you pay by the mile, typically $4 + or - a mile. You get 3 tows a year (maybe 4 I forget) A jump , flat tire , lock out , or out of gas all count as a call for all tiers. Basic you pay for the gas and it's usually more than at the pump.

AAA Plus you get up to 100 mile tows the rest is the same. Then by the mile again.

AAA Premier you got one 200 mile tow and the rest 100 miles and AAA pays tolls for basic and plus you are responsible for any tolls. AAA pays fuel cost for out of gas on this level.

One caution is AAA doesn't pay well and sometimes they have a hard time getting providers and wait time can be long. Depends where you are. If they have a contracted provider in the area of your break down they are contracted to arrive in 45 minutes or less. If they have to search for a provider the time can run into hours. If an outside provider is called by you you can submit the mill but most of the time you will only get partial coverage of the bill. For an example when I was doing it AAA only paid $24 for a lock out, flat tire, jump start, or out of gas to the provider. A basic tow was about the same so very few want to do it. Most will also look for any way they can deny AAA coverage to be able to charge regular rates. Member has to be present at the time of service with picture ID, car must have current registration, insurance , and inspection if applicable (out of state can not be enforced for inspection)

All 3 levels do not cover any trailers, quads, campers,etc... you must have RV coverage for those.
Edit:
I almost forgot, a tow back to the provider's place of business is always covered no matter the distance on all tiers but will still not cover anything but what you are driving unless you have RV.

I do not know much about AAA, but I have the road side assistance service as an add on to my insurance.

I guess I should read up on what is really covered. I know I asked and made sure they would service my bikes and they said yes.

I have AAA RV+ and there hasn't been a year yet that I haven't used at least 1 tow, sometimes I max out and then call my wife to come to whatever I'm in and she has it count towards her 4 tows for the year. I can be in anyone else's vehicle also and get towed or gas. It makes driving old cars and bikes a lot easier when you don't have to really worry about breakdowns. Almost all the AAA drivers I've encountered have been AAA only, not subcontractors. I think 2 have been subs. We provide it for our son as well.

The person is covered not the vehicle, that's why it doesn't matter what car you are in. If someone borrows your car they are not covered unless you go to the car so the member is there with ID.
AAA drivers are never exclusively AAA but are the exclusive company for a given area by contract. If the contracted company can not get to the tow they can kick it back and AAA will dispatch the next closest AAA company or call around to find one to do the job if no other is available. The contracted company has exclusive right to any service in their contracted area though. AAA does not have any tow trucks of their own they simply contract existing companies for a given area. They have specific boundries to the area they cover. AAA does not pay enough for a company to be exclusive to AAA. I used to be a driver for an AAA company and had to know all the ins and out of it. There is even more to it if you want to get into abuse of the system, non-payment of overages, etc... Speaking of payment, most AAA companies will take a check from an AAA member because AAA will cover the check up to a certain amount. (don't remember the amount anymore)

I've noticed nobody mentioned coverage on motorcycles? That is really the only reason I would be interested because of my fairly frequent long distance trips.

RV+ covers bikes

Thanks fellas.

CAA covers motorcycles on the premium level the RV endorsement not required.

Couldn't locate that flatbed Ford?

Didn't break down on the right corner.

https://upload.wikimedia.org/wikipedia/c..._the_Corner.JPG