Member Loyalty^Ⓡ Accident Insurance

AAA wants to help you feel confident about your coverage—and its price. The monthly premium starts at $17 for individuals 18 to 69 years old. For another $4 per month, you can cover your whole family. 

If you choose family coverage, your spouse is covered at 60 percent of the primary insured’s benefits and eligible children are covered at 20 percent. Family coverage is guaranteed.

When accidents happen, it gives you an extra boost of protection. Accident coverage helps:

• Provide additional cash support that is separate from medical coverage: Member Loyalty Accident Insurance provides a cash benefit that you can use to pay for expenses that health insurance doesn't fully cover, including deductibles, copays, and out-of-pocket costs—so you can focus on recovery rather than how you’ll pay for care.
• Potentially protect self-employed people and gig workers: If you don’t have paid leave or short-term disability coverage through an employer-sponsored plan, in some cases, Member Loyalty Accident Insurance may help.
• Pay your beneficiaries if you die in a covered accident: If you’ve been a AAA Member for five years and die in an accident covered under Member Loyalty Accident Insurance, your beneficiaries may receive additional payment.

No. You will be accepted for accident coverage from AAA Life Insurance Company, as long as you are a current AAA Member age 18 or older, regardless of any prior or current medical condition. You won’t need to answer any medical questions or take a health exam to qualify. Your initial benefit level is determined by the number of years you’ve been a AAA Member.

Yes. With Member Loyalty Accident Insurance, your beneficiaries could receive cash benefits if you die in a covered accident.

If you have an accident covered under your policy, benefits are paid directly to you.² Benefits for Member Loyalty Accident Insurance include:

• A hospital benefit, which starts as soon as you are admitted and lasts for a maximum of 365 days per occurrence (hospitalization benefit resets for each covered accident)
• A recuperation benefit equal to the number of days of covered hospitalization (recuperation benefit resets for each covered accident)³
• An annual $375 to $1,500 emergency room and urgent care benefit can be paid for a covered accident
• Free lifetime AAA Classic Membership for your surviving spouse if you lose your life in a covered accident⁴ 

Yes. You can collect payment for more than one accident over your lifetime with Member Loyalty Accident Insurance. Your daily benefits for hospitalization and recuperation begin again with each new covered accident. Some benefits are limited to once a year.

Yes. If your injuries resulted from a covered accident, the policy will help pay for your ER visit.

Getting Member Loyalty Accident Insurance makes sense if:

• You are a AAA Member, you’re 18 years or older, and you want guaranteed accident protection for you and your family. No health exams or medical questions are required to qualify.
• You already have life insurance but want to make sure you’re covered if you have an accident that results in hospitalization, a trip to the emergency room, a lengthy recovery, or death.

You may want to explore our other life insurance options if:

• You want a policy that provides lifelong life insurance coverage for more than accidents. If that’s the case, try whole life insurance instead.
• You’re interested in affordable life insurance that covers more than accidental death for a specific period of time. In that case, consider getting term life insurance. 

For complete details on what is not covered, please read our accident insurance exclusions.

We aim to pay most claims for Member Loyalty Accident Insurance within 30 days of receiving proof of the accident. Proof includes medical records, a doctor’s note, or an accident report from the police or other authorities.

An accidental injury is an injury that is not caused by a health condition or preexisting condition. Member Loyalty Accident Insurance covers accidents that happen nearly anywhere and anytime (although it does not cover work accidents). Read your policy’s exclusion list to see what is not covered.

When you file a claim, your benefit amount is based on your benefit level, the accident type, and the coverage option you select.

If you’re injured, file a claim online with AAA Life Insurance by completing an Accident/Injury Claim Form. If you lose your life to an accident, your designated beneficiary can file a claim by completing an Accidental Death Insurance Claim Form.

Once you’ve filed your claim, a claims adjustor will investigate and may contact you or your beneficiary for additional information.