Definition: The word 'American Automobile Association Insurance' (AAA) refers to a comprehensive insurance policy offered by AAA, which is the leading provider of automobile insurance in the United States. Here's an overview of the basic features of an American Automobile Association Insurance policy: 1.

Coverage

: The main coverage available under an AA policy covers damage to or loss of personal property on your vehicle if you are involved in a collision with another vehicle, pedestrian, or object. 2.

Standard Coverage

: There are several standard options that cover most common types of damages: -

Liability

: This is the type of damage covered when someone is at fault for an accident and is responsible for all other expenses. -

Collision

: Applies to property damage caused by accidents, including bodily injuries (including death), property damage, or loss of personal property, such as lost belongings. -

Property Damage

: Covers damage to the structure or interior of your vehicle that is not covered under standard coverage. -

Uninsured/Underinsured Motorist

: For those who have no liability insurance but are at fault for an accident and you were involved in, it provides coverage for their own property damage claims up to a certain amount. 3.

Coverage Limits

: Depending on your policy, the limits of coverage can vary based on factors such as the type of car, state's requirements, and any additional riders that might be included like rental insurance. 4.

Inclusion

: Coverage is often included in the policy for your own personal use (such as your vehicle), so it should not exceed what you are prepared to pay out under liability or collision limits. 5.

Exclusions

: Some policies may exclude coverage for certain types of damages, such as damage caused by faulty equipment or accidents on public roads. 6.

Claims Process

: The process for filing claims can vary based on your policy and the type of claim you have made (i.e., a repair, replacement, collision damage, etc.). 7.

Maximum Coverage

: Your policy can cover only certain damages, so it's important to consider what you need and whether you would be able to afford any additional coverage. 8.

Charges

: Some policies may charge an initial fee for the claim process or other charges before your insurance payment is made. The AA offers a range of different types of policies and riders to choose from based on specific needs, such as those that include roadside assistance, towing services, and additional services like collision damage waiver (CDW). It's important to review your policy regularly to stay updated with any changes or coverage options offered.

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