does aaa insurance cover the car or the driver

When it comes to insurance coverage, it’s important to understand the specifics of your policy to ensure you have the protection you need. AAA insurance is a well-known provider offering various types of coverage, including auto insurance. One common question that arises among policyholders is whether AAA insurance covers the car or the driver. In this article, we will delve into this topic and provide clarity on how AAA insurance handles coverage for both the car and the driver.

Understanding AAA Auto Insurance:
AAA auto insurance policies typically provide coverage for both the car and the driver, but it’s essential to review your specific policy details to understand the extent of your coverage. AAA offers a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, and more. Let’s explore how each of these coverage types applies to the car and the driver.

1. Liability Coverage:
AAA’s liability coverage primarily focuses on protecting the driver financially if they cause an accident resulting in property damage or injuries to others. This coverage does not typically extend to the car itself but rather covers the driver’s legal responsibility.

2. Collision Coverage:
Collision coverage offered by AAA is designed to cover the cost of repairs or replacement for your vehicle in the event of an accident. It applies regardless of who is at fault for the collision. This coverage protects both the car and the driver by ensuring that damages to the vehicle are covered.

3. Comprehensive Coverage:
Comprehensive coverage goes beyond collisions and includes coverage for various non-collision incidents such as theft, vandalism, fire, or natural disasters. This coverage extends to both the car and the driver, providing financial protection against unexpected events that may damage or result in the loss of the vehicle.

4. Uninsured/Underinsured Motorist Coverage:
AAA also offers uninsured/underinsured motorist coverage, which protects you as the driver if you are involved in an accident with a driver who lacks sufficient insurance coverage. This coverage is designed to compensate for medical expenses and property damage incurred as a result of the accident.

ConclusionIn summary, AAA insurance typically covers both the car and the driver, depending on the type of coverage. Liability coverage primarily protects the driver in case of accidents involving third parties, while collision coverage and comprehensive coverage provide protection for the car in various circumstances. Uninsured/underinsured motorist coverage further ensures that you, as the driver, are financially protected in the event of an accident with an inadequately insured driver. However, it is essential to review your specific AAA insurance policy to fully understand the coverage details and any exclusions that may apply.

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