Triple AAA Auto Insurance Terrible Experience with AAA Insurance Internet
I was involved in an accident that wasn’t my fault, and the person who hit me has AAA insurance. AAA didn’t reach out to me for over a week, and I had to call them myself—while on vacation—to even start the process. Initially, they told me I couldn’t keep my car at my preferred shop, but once I pushed back, they suddenly changed their stance and allowed it. This deceptive tactic was frustrating.
To make matters worse, they lowballed me on the value of my totaled car, despite the fact that I have receipts for every bolt and all the maintenance done. They were unprofessional in response to my fair valuation. Then they yanked my rental car, leaving me without transportation to work.
I feel like nothing more than a number to them. Even if I had accepted their offer, how could I buy a car on a weekday with a full-time job? I couldn’t even have the rental until the weekend to make arrangements. I didn’t ask to be in this situation, but now I’m left scrambling, trying to figure out how to provide for my family and do basic things like get groceries. Additionally, I now have
2 Updates & Rebuttals
Matt
Flagtown,New Jersey,
United States
Clarification on Valuation, Rental Car Issues, and Fair Treatment
#3Author of original report
Sun, September 15, 2024
Response Time: While I understand that a week might seem reasonable in some cases, the issue is not just the timeline, but the fact that I had to initiate contact. I didn’t ask for my car to be totaled, so it’s frustrating that I had to chase down AAA to start the process, especially when their client is at fault.
Vehicle Valuation: I expect a fair assessment that reflects the true value of my car in its well-maintained condition. Getting a lowball offer feels like another way they are undervaluing what’s rightfully owed.
Rental Car and Damages: I understand insurance companies deal with things mechanically, but pulling the rental car with little notice while I’m still in the process of securing transportation was unprofessional. I have a full-time job and a family to care for—I expect basic courtesy and enough time to make arrangements.
Being Treated Like a Number: Your comment that “I’m nothing more than a property damage claim” is exactly the problem. I expect to be treated with some level of human decency and not just as a number on a claim form. The fact that they’re a multi-million dollar company doesn’t excuse them from providing decent service.
It’s surprising to see you siding with a massive insurance company when all I’m asking for is to be treated fairly. I didn’t ask to be in this situation, but I’m trying to handle it reasonably. Thanks for your thoughts, but I stand by my expectations of fair treatment.
Flint
Rolla,Missouri,
United States
Huh?
#3General Comment
Sat, September 14, 2024
First, getting someone else's insurance to respond in a week is really good. Most insurance companies will blow you off for months and drag out the process as much as possible. Second, the maintenance you have done on your car is completely irrelevant as to its book value. Your car is worth whatever a similar car in similar condition is worth. You could have spent a million dollars maintaining and repairing it, and it wouldn't change the value by a cent. If you wanted to show that their valuation was wrong, you should have found comparable sales. But insurance companies generally know how much cars are worth. They literally look it up in a book. Third, they don't owe you anything beyond direct damages. That means that once they pay you the value of the car, they don't owe you anything beyond that. Costs such as obtaining alternative transportation or loss of time are on you. And yes, you are nothing more than a property damage claim to them. You are not even their customer. I have no idea why you think they should treat you any differently. It sounds like you got your damages settled promptly and in full, and that's about all you can expect.