AAA insureds should think twice about loaning their car

December 26, 2012

Unique provision to AAA’s personal auto policy means there’s a lot less coverage for someone else driving your car than what you have.

  POSTAGE  by Rob Stamp

If you carry AAA auto insurance and loan your car to someone not listed as a driver on your policy, you need to be aware of the drop-down liability coverage stated in the policy. Basically, in this situation, the AAA insurance contract in Missouri

  • Only provides liability coverage up to state minimum limits of $25,000 per person, $50,000 per accident for bodily injury and $10,000 per accident for property damage when the covered vehicle is being operated by a person not listed as a driver on the policy.

Any injuries or damages beyond those limits would fall to the driver’s insurance, provided there is coverage driving another car. Should there be no other coverage, or not enough other coverage, you may still be held responsible for further amounts because it’s your car.

Other items of note specific to the AAA insurance contract:

  • AAA does not waive the comprehensive deductible for windshield repairs. Glass damage remains subject to the comprehensive deductible listed on the policy whether the windshield needs to be replaced or repaired.


  •  The policy could be subject to non-renewal if you fail to maintain a AAA membership.

AAA Insurance remains a great value for many families in the St. Louis area and we believe our customers will be taken care of should a claim get filed. Partly because of my father’s past association with the Auto Club, we’re proud to represent AAA as an Independent Insurance Agent and recommend its policies and services to our customers. But, because the limitations outlined here differ from our other carriers, we insist that our clients are made aware of them and can decide for themselves if that presents a concern.

I realize this is only a brief summary of how AAA’s policy may be different from others. However, all the terms, conditions and exclusions are detailed only in the actual policy itself. You didn’t think we could close without a disclaimer, did you?