Life insurance providers. Auto Insurance

What is a policyholder savings dividend? Auto insurance coverage.

The policyholder savings dividend is a discretionary sum returned to a policyholder by the Interinsurance Exchange of the Automobile Club (“Exchange”) out of its surplus. Dividends are not guaranteed and are paid when approved by the Exchange.

If payment of a dividend has been approved, when would I find out?

If a dividend is approved for payment, it will be listed in your auto renewal offer, which you should receive at least 30 days before the expiration date of your policy. Although you will be notified of a dividend payment in the renewal offer, you are not required to renew your policy to qualify for the dividend.

How do I earn a dividend that has been approved?

To earn any approved policyholder savings dividend, all you need to do is complete your policy term. If your auto policy is canceled before the expiration date, a dividend will not be paid on the policy.

Are dividends guaranteed?

No. Dividends are approved at the discretion of the Exchange, and the amount of any future dividend may vary from year to year. While auto insurance dividends are not guaranteed, they have been paid for more than 20 years.

Please note that available coverages are subject to policy limits and may vary by state. Personal lines insurance may not be available in every state or throughout a state. Please consult your local AAA agent.

Accidental death, dismemberment

This coverage pays within 90 days of an accident if death or dismemberment (hand, foot, finger) occurs while you or a relative are in a covered vehicle.

Bodily injury liability

If you or someone you insure is at fault in a collision that injures someone else, this coverage protects you from injury claims or lawsuits brought against you.

Car rental or transportation expenses

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If your car isn’t drivable or has to be sent to a shop for repairs, this coverage pays for car rental or public transportation expenses.

Once you’ve paid your deductible, this coverage pays for repairs to your vehicle if it’s damaged in a collision with another vehicle or an object.

Once you’ve paid your deductible, this coverage pays for repairs to your vehicle caused by something other than a collision, such as fire, theft, vandalism, glass breakage, or wind damage.

Excess medical payments

This coverage pays for post-collision medical care that you or your passengers may need that isn’t covered by primary medical insurance. If you receive medical care outside of your health carrier’s plan, you may be required to pay the initial $2,000 of medical expenses.

This coverage pays for medical expenses if you or occupants in your car are injured in a collision, no matter who's at fault.

Personal injury protection

If you and your passengers are injured in an auto collision, this coverage pays for medical expenses and lost wages no matter who’s at fault. It also provides coverage if you or relatives who live with you are injured as a pedestrian.

Property damage liability

If you or someone you insure is at fault in a collision that damages someone else’s property, such as a vehicle or building, this coverage pays for repairs and protects you from lawsuits.

If you don’t have collision coverage, this coverage pays for repairs to your car or the cash value of your car (whichever is less) up to $3,500 if it’s damaged by an uninsured motorist.

Uninsured/underinsured motorist – bodily injury

This coverage pays for bodily injury damages if you’re injured by an uninsured or underinsured driver and they’re at fault.

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Uninsured/underinsured motorist – property damage

This coverage pays for damage to your property that results from an accident caused by an uninsured or underinsured driver. A deductible may apply if the vehicle owner/driver cannot be identified or if the accident is a hit-and-run.

Of course you can have your vehicle serviced at a repair facility of your choice. But with AAA Member Preferred Repairs, we’ll point you to pre-qualified facilities, including specialists in stereo equipment and auto glass replacement. The service you receive is maximized with a lifetime warranty on workmanship.

Get in touch with our claims team and we'll provide you with the names of pre-qualified facilities closest to you.

The lifetime warranty on workmanship applies to each claims repair under the program. A facility must first be given the chance to correct the issue before AAA facilitates correcting the issue. Parts and materials, normal wear and tear, rust, and damage from unreasonable use, improper maintenance, and modifications are excluded. The warranty is non-transferable, and does not apply to those with liability-only or other limited coverage. Other restrictions apply.

Product not available in all markets

AAA policyholders can get assistance after a crash by contacting our claims team. With AAA Accident Assist

Send a truck to tow your vehicle to the repair shop of your choice

At your request, contact family members on your behalf

Arrange a rental vehicle if coverage applies

Complete your claim notice at your convenience

If you’re in a crash, call AAA Accident Assist from a safe location and provide the following information:

Street and city where crash happened

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Police report information, if any (officer name, badge number, report number)

Other party’s name, address, driver’s license number, insurance information, policy number

Involved vehicle’s license plate number, make/model of vehicle, color of vehicle, number of passengers

Witnesses and description of damage, if applicable

Having your car repaired at a AAA Member Preferred Repair shop:

Saves you time by scheduling a repair without you having to wait for an adjuster

Gives you a lifetime warranty on workmanship for the repair

For members with liability-only or other limited coverage with AAA’s affiliate insurer, roadside assistance service is provided under your membership (not your insurance policy), and may be subject to membership restrictions. Repairs, rentals, and other benefits are subject to policy coverages and limits.

Product not available in all markets.