What Medical Coverages Does AAA Auto Insurance Offer

Medical Coverage Options in AAA Auto Insurance

AAA auto insurance offers medical payments coverage and personal injury protection as its primary medical coverages, with specific limits and availability depending on the state and the insurance plan selected. These coverages help pay for necessary medical expenses following an accident, regardless of who is at fault.

Medical Payments Coverage

Medical payments coverage, often called MedPay, helps cover medical bills for you and your passengers after an accident. It can include hospital stays, doctor visits, surgery, and ambulance costs. AAA typically offers MedPay with limits that vary by state, often ranging from $1,000 to $25,000 or more per person.

Personal Injury Protection

Personal injury protection, or PIP, provides broader coverage than MedPay in states where it is required or available. PIP can cover medical expenses, lost wages, and essential services you cannot perform while recovering. Availability and benefit levels depend on state regulations and the specific AAA policy chosen.

Optional and State-Specific Limits

The level of medical coverage you can purchase through AAA depends on your state's minimum requirements and your insurer's options. AAA allows drivers to choose coverage limits that match their needs, and higher limits are often available for an additional premium. Review your policy or consult an AAA agent to confirm exact medical coverage levels for your plan.

Adding Medical Coverage to a AAA Policy

Drivers can usually add or adjust medical coverage limits when purchasing a new AAA policy or during renewal. Because options vary by state, checking with an AAA representative ensures you select the right level of protection for your situation.