Drivers could save an average of $483 with AAA auto insurance¹

Immediately following damage to your car, file a claim with AAA. To get started, you'll need:

• The date and time of when the accident/incident occurred
• The year, make, and model of the vehicle you were driving
• The information for the person driving your vehicle

Providing more information will increase the likelihood your adjuster will be able to expedite your claim. Useful information includes, but isn't limited to:

• Year, make, and model of the other vehicle(s) involved
• Insurance information for the other vehicle(s)
• Contact information for the other drivers
• Witness information
• Police report number
• Photos from the scene of the accident

For more information on the auto insurance claims process and to get started - Insurance claims

It is unlawful to drive an uninsured vehicle. To legally operate a motor vehicle, you must carry at least the minimum liability insurance required. Most states require liability insurance that will cover other people who are injured in and property belonging to others that was damaged in an accident that you are found to be legally responsible for.

Yes, there are several common types of auto insurance coverages including:

• Bodily injury liability coverage – Pays for the medical expenses and damages of other people who are injured in an accident you're at fault for.
• Property damage liability coverage – Pays for third-party property damages resulting from an accident you caused.
• Medical payments coverage – Pays medical expenses for you and/or occupants in your car who are injured in an accident regardless of fault.
• Collision coverage – Pays for accidental damages to your car when it is involved in a collision.
  
• Comprehensive coverage – Pays for accidental damages to your car that aren't the result of a collision, such as fire or theft.
• Uninsured motorist and underinsured motorist coverage – Provide protection, up to the policy limit, when you're in an accident caused by someone else without sufficient insurance.

No. You must have a valid driver’s license to legally operate a vehicle, therefore only licensed individuals can purchase auto insurance.

Comprehensive coverage will cover this type of claim and provide payment equivalent to the actual cash value of your vehicle at the time of theft, less your deductible.

Comprehensive coverage will pay for damages caused during storms including hail damage, less your deductible.

Repairs that are a part of normal maintenance or due to wear and tear are not covered by auto insurance.

Auto insurance usually follows the car, not the driver. If someone borrows your vehicle with your permission and is in an accident, they'll be covered under your insurance unless they're specifically excluded from your policy.

In California, the car owner's insurance will apply first. If the expenses exceed their coverage limits, then your insurance will apply. Laws may vary in other states.

If your child lives in the same household and drives your car(s), they can remain on your insurance policy. There is no cutoff for age. However, your child may need to purchase separate insurance for vehicles they own.

A premium is the amount you pay, usually in monthly installments, to keep your insurance active.

Your deductible is the amount you'll pay out of pocket for a claim before your insurance company pays. A higher deductible can help lower your monthly premiums, but will increase the amount you're responsible for in an accident.