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AAA personal lines insurance is provided by Interinsurance Exchange of the Automobile Club in CA, HI, NM, ME, NH, PA, VA, and VT; by Automobile Club Inter Insurance Exchange ACIIE and Auto Club Family Insurance Company in AL, AR, IL, IN, KS, LA, MS, and MO; by Auto Club County Mutual Insurance Company and Auto Club Indemnity Company in TX; by Auto Club Property Casualty Insurance Company in KY and WV; and by MemberSelect Insurance Company in OH. Insurance may also be provided by independent carriers. Life insurance is underwritten by AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states, except NY. The Motor Club or its affiliates act as an authorized agent for insurers they sell insurance on behalf of, including AAA Life and AAA affiliate insurers. Personal lines insurance may not be available in every state or throughout a state. Please consult your local AAA agent. Home and renters coverage is not available in Louisiana LA. Auto insurance in LA is offered by ACIIE. Insurance coverage is not available in NY. What is a policyholder savings dividend?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.

Posted by Anonymous at 3:19PM | (5 comments)

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But an alarming number of drivers continue to drive dangerously, increasing their odds of being involved in a collision ten fold. While drunk driving is a classic example of a dangerous practice that results in avoidable accidents, an even larger proportion of U. S. motorists continue to take huge risks by using their cell phones while driving. Numerous studies have demonstrated that thousands of accidents are caused each year by drivers who are distracted while driving and texting. If you’ve received tickets or been involved in accidents, then your rates will be negatively affected. By having a clean record, you’re premiums are kept favorable. 8. Reduce your drive time. Simply staying off the road is another possible way to save some money on your auto insurance. Some insurers offer discount programs to drivers who meet certain qualifications and put less than a set amount of miles on their cars per year.

Posted by Anonymous at 3:19PM | (8 comments)

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The last number covers property damage. This property damage can cover the other person's vehicle or anything that you hit and damage as a result of the accident. In some states you must purchase Personal Injury Protection which covers medical bills, time lost at work, and many other things. You can also purchase insurance if the other driver does not have insurance or is under insured. Most if not all states require drivers to carry mandatory liability insurance coverage to ensure that their drivers can cover the cost of damage to other people or property in the event of an accident. Some states, such as Wisconsin, have more flexible "proof of financial responsibility" requirements. An example of property damage is where an insured driver or 1st party drives into a telephone pole and damages the pole; liability coverage pays for the damage to the pole. In this example, the drivers insured may also become liable for other expenses related to damaging the telephone pole, such as loss of service claims by the telephone company, depending on the jurisdiction. An example of bodily injury is where an insured driver causes bodily harm to a third party and the insured driver is deemed responsible for the injuries. However, in some jurisdictions, the third party would first exhaust coverage for accident benefits through their own insurer assuming they have one and/or would have to meet a legal definition of severe impairment to have the right to claim or sue under the insured driver's or first party's policy. If the third party sues the insured driver, liability coverage also covers court costs and damages that the insured driver may be deemed responsible for.

Posted by Anonymous at 3:19PM | (7 comments)