Welcome To AAA
Dear AAA Member,
Thank you for joining AAA. We are thrilled to have
you as a member. You have joined one of the largest
membership organizations in the world. AAA has served
members since 1902, and our number one priority
continues to be high-quality, personal service.
You should know that the AAA membership card you
carry is your “passport” to service throughout the USA
and Canada. AAA provides automotive and roadside
services, complete travel planning, top quality insurance,
financial services and AAA Discounts & Rewards. AAA
gives you peace of mind, convenience and savings,
when you are driving, traveling or around home.
This Member Handbook is intended to help you take
full advantage of your membership. Read it over, then
keep it handy for easy reference any time you have
questions about benefits.
Thank you for the opportunity to serve you in the years
ahead.
Sincerely,
James J. McGrath
President
Table of Contents
Membership Information
1
Automatic Renewal
3
Privacy Information
3
Roadside Assistance
4
AAA Plus® and AAA Premier® Benefits
9
Automotive Services
10
Exclusive Premier Membership Benefits
11
Trip Interruption and Vehicle
Return-Terms and Conditions
14
Travel Planning
18
AAA Travel Agency
19
AAA Financial Services
20
Insurance Services
21
AAA Discounts & Rewards
23
Public and Government Relations
25
AAA Branch Directory
26
Important: Benefits, programs and services are subject to change and
have specified limitations. The Club publication, AAA Traveler magazine, is
where you will be informed of changes and new services.
Membership Information
AAA Membership
All AAA membership applications and renewals are subject to approval
and acceptance by AAA. If at any time during the year you decide
AAA is not for you, we will give you a prorated refund of your unused
membership dues, exclusive of the new member admission fee.
Membership eligibility, paid dues, fees, services and benefits are subject
to change without notice. Returned checks and returned electronic
payments may be re-presented electronically for payment. Each
returned check and returned electronic payment is subject to a returned
payment fee. For returned electronic payments, this fee may be debited
electronically.
Types of Membership
The Primary Member is the first person in the household to join
AAA. Membership benefits include Roadside Assistance and all other AAA
services and benefits.
The chart below highlights just some of the Roadside Assistance and
other benefits available to Classic members, and compares them to
benefits available to AAA Plus and AAA Premier Members. AAA Plus,
AAA Plus RV, AAA Premier and AAA Premier RV extended benefits are
effective 7 days after the date of sale, if paid in full.
Classic
*
**
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2
Roadside Assistance
You are entitled to four calls during your
membership year at no extra charge.*
Towing Benefit
Towing up to 3 driving miles or back to the
service provider.
Emergency Fuel
Lock & Key Service
Passport Photos
Free delivery.
Up to $60.00 reimbursement.
Discounted
Identity Theft Monitoring1
Available free after online or phone
enrollment.
Home Lockout Service
N/A
Travel Accident Insurance
N/A
Concierge Service
N/A
24 Hour Global Travel
Emergency Assistance
N/A
Trip Interruption†
N/A
Vehicle Return†
N/A
Roadside Assistance allowable services include battery boost, flat tire change, towing, emergency fuel
delivery, extrication and lockout.
The coverage only extends to covered travel in the U.S. and Canada.
Provided by Consumerinfo.com, an Experian Company.
Underwritten by insurance company subsidiaries or affiliates of American International Group, Inc.
1
Associate Membership
Associate membership is available at substantially reduced rates to the spouse
or another adult residing in the same household as the Primary member. Other
eligible associates are dependent unmarried children aged 14 to 24 who
reside in the same household as the Primary member or who are away at
school. Associate Members must have the same level of membership (Classic,
AAA Plus, AAA Plus RV, AAA Premier, AAA Premier RV) as their Primary Member.
Primary Members are responsible for the conduct and the service demands
of their Associate Members. An individual may only have one membership.
AAA Plus
AAA Plus is an optional plan that expands your Classic membership
coverage to provide even greater peace of mind and money-saving benefits.
AAA Plus provides free towing up to 100 driving miles (see chart for more
details) and vehicle locksmith service up to $100.
AAA Plus RV††
With AAA Plus RV your large motor home, pickup with camper, boat trailer,
travel trailer and motorcycle can get all of the great AAA Plus coverage.
AAA Premier
AAA Premier is an optional plan that expands your AAA Plus coverage to
include one 200 driving mile tow per member per membership year. See
chart for more benefits.
AAA Premier RV††
With AAA Premier RV you expand your AAA Plus RV coverage to include
one allowable RV tow up to 200 driving miles per household per
membership year.
AAA Plus
You are entitled to four calls during
your membership year at no charge.*
Towing up to 100 driving miles or
back to the servicing station.
Free delivery and free fuel.
Up to $100 reimbursement.
Free
Available free after online or phone
enrollment.
N/A
N/A
N/A
N/A
N/A
N/A
AAA Premier
You are entitled to four calls during your
membership year at no charge.*
Towing up to 100 driving miles or back to the
service provider, one tow per member can be
up to 200 driving miles.
Free delivery and free fuel.
Up to $150 reimbursement.
Free
Available free after online or phone enrollment.
Additional benefit of $10,000 in Identity Theft
Insurance.2
One per membership year per household.
Reimbursement up to $100.
$300,000 Loss of life or limb when airline
ticket is purchased through AAA.3
Available when traveling 100 or more miles
from home.** Reserve golf tee time, theater
or sporting event ticketing, etc.
Available when traveling100 or more miles
from home.
Up to $1,500 reimbursement when 100
driving miles or more from home.**
Up to $500 reimbursement when 100 driving
miles or more from home.**
Underwritten by The Federal Insurance Co.
Insurance coverage is underwritten by BCS Insurance Company under a Form no. 50.233B. Allianz Global
Assistance is the licensed producer and administrator for this plan.
††
RV Coverage (covers RVs, motorcycles, and boat trailers):
AAA Plus members may add RV coverage at an additional cost per household; all AAA Plus coverages apply to RV.
AAA Premier members may add RV coverage at an additional cost per household; all AAA Plus towing coverages
apply to RV. One of the allowable RV tows can be up to 200 driving miles, but will be limited to one per
household per membership year.
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†
2
Automatic Renewal
To make renewal more convenient and to avoid the possibility of a lapse
in membership coverage, you may choose to have your membership
automatically renewed each year. This option eliminates the inconvenience
of check writing, postage costs and check fees. For information call 1-888467-3543.
By signing up for the Automatic Renewal program, your credit/debit card
or bank account will automatically be billed each year for your annual
membership dues then in effect. Each year before your membership
expires, we’ll send a statement of your current services and renewal
dues amount. You may cancel Auto Renewal at any time by contacting
AAA. Unless you contact us to make changes to or cancel Auto Renewal,
AAA will automatically renew your membership and charge the dues
shown on your statement to your account on file.
If your VISA®/MasterCard® credit/debit card issuing bank participates
in the Card Account Updater program, unless you opt out of the service
with your issuing bank, we may receive updated credit/debit card
account number and/or expiration date for the card information you
have previously provided us. We will update our files and use the new
information when we bill you for your annual membership dues. We
won’t receive updated information if your account has been closed.
After being a member for several years, if you are enrolled in Automatic
Renewal, you will begin to receive a new membership card every other
year. Your card will be valid for two years when you pay your billed dues
each year.
Privacy Information
Keeping member and non-member client information secure is one of
our most important responsibilities. We value your trust and handle
information about you with care.
The information we use helps us bring you valuable services and
savings, but most importantly, peace of mind as you travel. We limit
who receives member and non-member client information and what
type of information is shared within the Club or business lines and with
our preferred vendors. We may share member and non-member client
information with companies that work with us to provide you products
and services. We share the information in order to provide you a good
customer experience. For our complete Privacy Policy Notice, go to our
Website at AAA.com. Our Privacy Policy Notice is also provided in your
member magazine.
You have choices when it comes to learning about new offers and services
from AAA. You can choose not to receive savings opportunities and
marketing offers by mail, phone and/or email from us or from our preferred
vendors. Call us at 1-888-467-3543 or write us at AAA, 12901 N. Forty
Drive, St. Louis, MO 63141, or go online at AAA.com.
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Roadside Assistance
Where to call for service:
1-800-AAA-HELP (222-4357)
(Throughout the U.S.)
To obtain AAA Roadside Assistance, call 1-800-AAA-HELP throughout
the U.S. This number is operated 24 hours per day every day.
Hearing impaired members may call our TTY at 1-800-451-4006.
Members may also request Roadside Assistance online at AAA.com or
download AAA Mobile from your app store.
When contacting AAA for service, please
give your name, membership number, exact
location (including the nearest intersecting
street), vehicle description, type of service
needed, and contact information.
The following provisions define the scope
and extent of this Club’s Roadside Assistance Service. Please note that
these rules are subject to change, so members should read them each time
they are published. When traveling outside AAA Missouri’s territory in an
area served by another AAA Club, their service regulations will apply. Rules
and rates may vary throughout the country. Reimbursement is extended to
include those services covered by your membership that are not available
from another AAA Club.
If you have questions about the Club’s Roadside Assistance Service
policies, please call Member Services at 1-800-222-4357.
Eligibility
You are entitled to specific Roadside Assistance Services, without charge,
when all five of the following conditions are met:
• You have paid membership dues and have a membership card in
your name.
• You are with the car to receive service and present a current
membership card and photo identification. Unless a valid AAA
membership card and identification are presented at the time of service,
you will be expected to pay for the service provided at commercial
rates. (Exceptions can be made in extenuating circumstances.)
• You were either driving the vehicle or riding in the vehicle at the time
of the breakdown.
• The condition of the vehicle is one that prevents you from continuing
or completing your trip in that car.
• Your use of Roadside Assistance has not exceeded four calls during
a membership year, otherwise charges are incurred for the fifth and
subsequent calls.
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Type of Service Requests
The Club allows one normally equipped service vehicle and one driver
for each service request. You must pay for any special or additional
equipment or personnel at the time of service and at the prevailing
commercial rates. Only one service call is allowed per breakdown. The
following types of Roadside Assistance are normally available:
Starting:
If your vehicle’s battery is weak or dead, the Club will provide an electrical
boost (jump start). If it cannot be started, the Club will provide a tow. AAA
Battery Service, a mobile battery testing and replacement service, is available
in some markets and batteries can be purchased at the scene of disablement,
if available. (See details in Automotive Services section under Battery Service.)
Towing:
If your car requires towing, the Club will provide eligible vehicles one
tow per breakdown either back to the Service Provider Facility station
providing the tow (if they provide repair services) or to a destination
(including a AAA Approved Auto Repair facility) within three driving miles
of the point of breakdown. For towing to any other destination, the Club
covers the charge for the hook-up and the first three driving miles of
towing. Towing beyond the benefits described above is at the member’s
expense. The Club will not reimburse such mileage charges.
Towing may be available for light duty trailers being towed at the time of
disablement. The member, however, will be responsible for any related
charges for towing of the trailer.
Members requesting flatbed service will be charged when not required by the
vehicle manufacturer. Flatbed service charges are not applicable if required due
to accident damage or if it is the service provider’s primary service vehicle.
Any long distance tow, or a tow to a facility other than the servicing
facility, may have to be deferred to a time when the contractor can make
the tow without affecting the normal Roadside Assistance Service it
provides. Such a delay will not normally be more than a few hours.
Accident Towing:
Service will be provided to the member in accordance with the rules in the
Towing section shown above, unless prohibited by law. Storage charges or
additional tows are not covered. The Club and/or its service providers may
seek reimbursement from insurance companies and/or repair facilities when
appropriate.
Extrication/Winching Service:
If your vehicle becomes stuck, one normally equipped service vehicle and one
driver will be provided to extricate or winch your vehicle when it can be safely
reached from a normally traveled road or established thoroughfare. Extrication
of vehicles parked on streets; driveways, parking lots or alleys which are
snowbound or flooded is not covered under AAA membership. Shoveling
snow from around a vehicle or cleaning a road or driveway is not provided. If
special equipment, more than one service vehicle or more than one person is
required, the associated costs may be at your expense.
Tire Service:
The Club will replace a flat tire with the inflated spare from your vehicle. If
more than one tire is deflated or if an inflated spare is
not available, we will tow the vehicle. Tire service is
excluded for dual wheel vehicles.
Out of Fuel:
A limited amount of fuel will be delivered to your
disabled vehicle, enabling you to reach the nearest
service station where fuel can be purchased. Payment for the fuel
at prevailing pump rates must be made to the service provider upon
5
2
delivery. AAA Plus and AAA Premier members will not be charged for such
limited amount of fuel.
Lock-Out/Locksmith Service:
If your vehicle’s keys are locked inside your vehicle, service is available
to attempt to unlock your vehicle. If your vehicle key is lost, broken,
or the service provider cannot gain entry, the Club will provide either
locksmith service, a tow as allowed by towing eligibility rules, or
reimbursement of commercial locksmith service up to $60. AAA Plus
reimbursement up to $100 and AAA Premier members up to $150.
Minor Repairs:
Minor mechanical first aid will be attempted at the scene to place the disabled
vehicle in a drivable condition when able to do so safely, conveniently, and
effectively. These small repairs cannot be guaranteed and members should
immediately proceed to a repair facility to consult a mechanic.
Rental Replacement Vehicle Service:
For those instances when your car is mechanically disabled and your vehicle is
towed by AAA Missouri in your home club territory, AAA can help you arrange
for a rental replacement vehicle at special member-only rates. Available in
most areas, AAA-preferred car rental provider offices are able to provide local
pick-up service in your neighborhood. AAA Plus and AAA Premier members
are entitled to one car class upgrade on each vehicle rental, except that AAA
Premier members cannot receive this upgrade when using their AAA Premier
One Day Complimentary Rental benefit (available to each Premier member
once per membership year). To find out if this service is available in your
area, or to make arrangements for a rental replacement vehicle, simply call
1-800-AAA-HELP (222-4357).
Eligible Vehicles
The following motor vehicles are eligible for service, provided they qualify for
highway registration and are not loaded, altered or constructed in such a way
as to cause damage or create a hazard when being serviced:
• Roadside Assistance Service is provided to four-wheeled motor driven
vehicles of the passenger, pleasure, or recreational type, if those
services can be safely delivered. Service does not include the use of
medium duty or heavy duty wreckers for towing of vehicles too heavy
to be safely towed using ordinary equipment, unless that equipment
is the type being used by the provider on the call. Medium duty or
larger equipment is typically required for vehicles exceeding 8,600
GVW. Rented passenger vehicles and commercial vehicles are eligible
for service with the exclusion of for-hire vehicles, such as taxicabs and
limousines.
• Dual wheel pickup trucks are not eligible for tire service.
• Recreational Vehicles (RVs), other than motorcycles, are eligible for
all services with the exception of towing, extrication/winching and
tire change service. Motorcycles are eligible for delivery of fuel and
locksmith service. AAA Plus RV provides towing, extrication/winching
and tire change services for RVs. RVs include motor homes, pickup
trucks with campers, travel trailers (including fifth wheel), camping
trailers, motorcycles, motorcycle and snowmobile trailers and boat
trailers out of water. Service is not provided for horse/livestock
trailers or car haulers/dollies.
Services Not Included
Vehicles and services that are NOT covered include:
• Heavily loaded or over-sized vehicles in which towing, tire change, or
extrication may not be safely performed using provided equipment.
6
2
• Service does not include the use of medium duty or heavy duty
wreckers for towing of vehicles too heavy to be safely towed using
ordinary equipment, unless that equipment is the type being used
by the provider on the call.
• Vehicles altered to the extent that special equipment is required to
safely transport the vehicle. Certain after market options, such as
snowplows or salt spreaders, may prevent the vehicle from being
towed with automobile servicing equipment.
• Vehicles in which parts have been removed or altered that make
the vehicle inoperable (except by theft).
• Vehicles that do not bear valid state license plates, have been towed
under police order due to infractions, or are held under legal restraint.
• Towing service is only provided for a covered vehicle disablement
and will not be provided for the purpose of transporting vehicles
due to a purchase, sale, auction transaction, car show exhibition,
charitable donation, relocation or any other similar situation.
• Vehicles that have been driven into an area which is not
maintained as a road, or into an area or road that is flooded .
• Tire repair, putting a replacement tire on your wheel, tire rotation,
or the installation or removal of snow tires or chains.
• Delivery of fuel when the vehicle is at a facility that sells fuel.
• Fuel delivery for use in a portable or onboard generator, boat
engine, snowmobile, or jet ski.
• Service for trailers (unless the member has Plus/Premier RV
membership and then only eligible RV trailers are covered).
Service Providers
Most AAA service providers are independent contractors and not agents
or employees of the Club. In some areas service is provided by Club
employees and Club owned vehicles. The Club cannot guarantee that
they will have all of the parts or facilities you need for your car, nor will
the Club accept responsibility for repairs, or the availability, delivery,
or installation of parts. All parts used and services provided must be
authorized and paid for by you. Any claim for damage caused by a
service provider or Club employee should be reported promptly to the
facility’s owner within 10 days of occurrence. If such a claim is not
met to your satisfaction, please report it to the Club’s Field Operations
Department within 30 days of claim damage. AAA will make an effort to
mediate the dispute after an investigation.
Excessive or Ineligible Use
The most equitable way to ensure reasonable membership dues is to ask
the few members who use Roadside Assistance Service excessively to share
in the cost of providing this expensive service. Therefore, each AAA member
is limited to four service requests per membership year at no charge. Your
associate members have different membership numbers and are each
entitled to four service requests. Service requests are not accumulative
among members and are not transferable. The membership number used
when requesting service will be the account charged with the service
request. Although rules limit service to one request per problem, multiple
service requests for the same problem will be counted separately on your
service record. A service request is defined as the provision of any service
listed in the “Type of Service Requests” section.
First year members’ membership period begins from time of enrollment
and continues until the members’ anniversary date. Each year thereafter,
your 12 month membership period begins and ends on your anniversary
date. Your official membership card is only effective if your current
7
annual membership dues are paid in full. You will be billed for any
service obtained without paying your annual membership dues.
For those times when it is necessary to exceed the four-request-per-year
limit, service will be provided and you will be charged a service charge.
Non-payment of a billed service charge will result in the cancellation
of your membership and your associate memberships. Collection
procedures will also be instituted. The Club reserves the right to cancel a
membership(s) in which the privileges of membership have been abused.
Without limiting any other rights or remedies it may have, AAA may
seek reimbursement from a member or associate for roadside assistance
services fraudulently or wrongfully obtained by the member or associate.
Primary members are responsible for the conduct and the service demands
of their associate. A complete accounting of your service requests can only
be obtained by contacting the Service Review Department at 314-5237350, or 1-800-AAA-7623 ext. 6860, Monday-Friday, 8:30 a.m. to 5:00
p.m. When traveling outside of the AAA Missouri territory, other AAA Clubs
will not have access to your Roadside Assistance usage history.
Reimbursements
If you made a reasonable attempt to get help from the Club’s Member
Services Center and were unable to do so, or if you were directed by the Club
to seek commercial service, you may apply to the Club for reimbursement
of the bill obtained from whatever nearby service facility was used. When
applying, include the original itemized receipt on the billhead of the servicing
firm which must contain the name of the member incurring the expense, and
the following details: the nature of the trouble, the location, the date and time,
and the amount paid. The application must be sent within 60 days after the
incident to Roadside Assistance/Home Lockout Refund Department, 12901
North Forty Drive, St. Louis, Missouri 63141. Reimbursement application
forms are available at any Club service office or online at AAA.com.
Reimbursement will be considered only if it is a service allowed by
these rules and if it is a covered service provided without charge, and
all eligibility requirements have been met. The Club reserves the right to
adjust a reimbursement application where the amount charged is higher
than the prevailing commercial rate for that region and to deny or adjust a
reimbursement application for service obtained from anyone not engaged in
the automobile service or locksmith business. When AAA is not contacted, a
valid membership card is not presented, or your membership dues were not
paid at the time of service, the reimbursement will be adjusted according to
the servicing contractor’s rate for that area.
Extreme Weather
The Club makes every effort to ensure that the provision of Roadside
Assistance Service can be made under all conditions. When the weather or
roads are extremely bad, however, there may be some delay before help can
reach you. Because towing is by far the most time-consuming type of service
the Club provides, towing operations may be temporarily suspended to avoid
excessive delays to members waiting for other services. During such times,
the Club tries to give priority to members stranded away from shelter. When
such conditions exist, we ask you to please be patient – of course you can
seek help from any nearby station.
Emergency Repair Check Guarantee
The Club guarantees your personal check drawn for an amount not over
$250, given as payment to any AAA contracted service provider for roadside
assistance or repairs that are required as a result of the breakdown of the car
you were driving. If the bank dishonors your check, the Club will reimburse
the service provider and will attempt to collect from you. If you fail to
make good on such a loss, collection procedures will be instituted and your
membership may be subject to non-renewal or cancellation.
8
AAA Plus and AAA Premier
AAA Plus, AAA Plus RV, AAA Premier and AAA Premier RV are enhanced
membership levels available at an additional cost. They expand on the
benefits offered by the Classic membership. Extended benefits are effective
seven days after the date of sale, if paid in full.
AAA Plus
AAA Plus provides all the benefits of the Classic membership, plus
the following additional Roadside Assistance related benefits on your
allowable calls.
• Towing to any destination within 100 driving miles of the breakdown
on your allowable service calls.
• An additional truck and driver for one hour for the extrication of
covered vehicles.
• Delivery of a limited amount of fuel free of charge.
• Up to $100 reimbursement for parts and labor of a locksmith, when
required.
If the AAA Plus member elects to have his or her car towed back to the
servicing contract station after a breakdown and that station is unable to
make the necessary repair or the member chooses not to have the car
repaired by the contractor, the member is entitled to a tow to another service
facility within the towing benefit limits provided by the membership.
AAA Premier
AAA Premier provides all the benefits as AAA Plus, plus the following additional
Roadside Assistance related benefits.
• AAA Premier extends the towing benefit to any destination within 200
driving miles of the breakdown on one of your four allowable service
calls per member per year. The remaining service calls may be used
for tows of up to 100 driving miles.
• Up to $150 reimbursement for parts and labor of a locksmith
when required.
AAA Plus RV and Premier RV Services
AAA Plus RV and AAA Premier RV are enhanced membership levels available at an
additional cost. They expand on the benefits offered by AAA Plus and AAA Premier
respectively by extending Roadside Assistance to Recreational Vehicles (RVs).
Covered RVs include motor homes, pickup trucks with campers, travel trailers
(including fifth-wheel travel trailers), camping trailers, motorcycles, motorcycle and
snowmobile trailers and boat trailers. Coverage is not provided for horse/livestock
trailers, for utility trailers, for boat trailers in water, or other trailers not containing
living accommodations or not carrying a boat, motorcycle, or snowmobile. A
seven-day wait period exists from the date of sale prior to use of the extended
benefits. For AAA Premier RV members, one of the four allowable service calls can
be a tow of up to 200 driving miles for a Recreational Vehicle, but will be limited
to one per household per year.
Whatever type of truck or special equipment is required to safely provide covered
services for eligible RVs will be used. In the event an RV is disabled while pulling a
trailer covered by the rules, including fifth wheel trailers, a tow will be provided to
the disabled vehicle and the trailer. Car haulers/dollies are not a covered trailer.
However, if the vehicle typically used by the member to pull an RV is a heavy duty
vehicle (typically over 8600 GVW), and is NOT towing an RV trailer, then towing
service would be at the member’s expense if the vehicle cannot be safely towed
with the equipment provided by the service provider.
If the tire of an RV cannot be changed, or if the RV is a motorcycle, towing of the
RV will be provided.
9
Automotive Services
Battery Service
AAA Battery Service is a mobile battery testing and replacement service. In
areas where the service is available, a AAA Battery Service technician will
test and assess the vehicle’s battery and electrical system. If the existing
battery fails the test and the member would like to have the battery
replaced, the technician will install a new AAA battery, if available, that
meets or exceeds the vehicle’s original specifications. All AAA batteries
come with a 72-month limited warranty with a 36-month free replacement
period valid in the U.S. and Canada. Copies of the warranties are available
from the technician at any time upon request. AAA Battery Service is
generally provided by independent service providers and is
only available in select areas, during select hours. Batteries
and battery warranties are provided by independent
suppliers. AAA Batteries are available for most makes and models and
can be purchased at the scene of disablement. Membership Roadside
Assistance terms and conditions apply. To find out if this service is available
in your area, simply call 1-800-AAA-HELP (222-4357), or use our
online battery instant quote tool at AAA.com.
CarFax®
Order a CarFax® Vehicle History Report to help protect against buying a used
car with costly, hidden problems. CarFax® searches a nationwide database and
provides a detailed report that helps you identify odometer fraud and avoid
buying a used car with reported accident or flood damage. Classic and AAA
Plus® members are entitled to a 20 percent discount off the retail price when
purchasing CARFAX Vehicle History Reports online at AAA.com.
Every AAA Premier® member is entitled to one (1) free CARFAX Vehicle History
Report per member per membership year. The free report must be ordered by
telephone by calling the Premier Member Services number listed on the back
of the membership card. Subsequent reports are available at a 40 percent
discount off the retail price for AAA Premier members when purchased online
at AAA.com. For more details, or to order your report, visit our web site at
AAA.com, or call 1-800-852-7188.
Approved Auto Repair
AAA members are guaranteed quality auto care service by facilities that
have passed stringent AAA standards and display the AAA Approved Auto
Repair sign. AAA continuously monitors the performance of qualified
facilities, making sure that standards are maintained. Show your AAA
Membership card at any Approved Auto Repair facility before any work is
done and receive the following benefits:
1. Dispute Resolution – AAR facilities have agreed, by contract, to
accept AAA as an independent and final authority in the unlikely event
a member has a dispute with an AAR facility over repairs involving a
member’s car. Members are not bound by AAA’s decision and may seek
other recourse.
2. Free Maintenance Inspection – Members can get a free 40-point
maintenance inspection, including a comprehensive battery test and
brake inspection, with any paid service.
3. Warranty – All repairs are guaranteed by the facility for 24 months or
24,000 miles, whichever occurs first, under normal operating conditions,
unless otherwise stated in writing. Other restrictions may apply. See
facility for details.
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4. Savings – Upon requesting the discount, members save 10% (up
to $50) on regularly priced parts and labor. Cannot be combined with
any other discount or coupon. A valid AAA membership card must be
presented at time of service.
To find an Approved Auto Repair facility visit our web site at
AAA.com/repair, or call 1-800-222-7623, ext. 8161.
Vehicle Identification Number (VIN) Etching
Etching the VIN on a vehicle’s windshield and other glass is a significant
vehicle theft deterrent. Thieves will usually pass them up in favor of an
un-etched auto. The Automobile Club Inter-Insurance Exchange offers a 5%
discount off comprehensive coverage on VIN-etched vehicles. For VIN-etching
locations or to schedule an appointment, call 1-800-222-7623, ext. 6821.
AAA Car Buying Service
The free AAA Car Buying Service* provides an easy-to-use, no-hassle
car buying experience. Choose from a network of certified dealers to
purchase your next new or pre-owned vehicle. The AAA Car Buying Service
allows you to research vehicles, obtain average price paid by others, view
Estimated Dealer Prices for AAA Members, receive a Guaranteed Savings
Certificate (new cars) or Used Vehicle Certificate, and find a dealer in
your area ready to provide a no-hassle car buying experience.** To access
the AAA Car Buying service, visit AAA.com/Auto or call 1-800-222-7623,
ext. 6880.
AAA Car Buying Service is managed by TrueCar, Inc. Available for select makes and models and in select areas.
Limited supply and special edition vehicles may be excluded. Other restrictions may apply. See certified dealer
for details. Not all dealers participate in the Car Buying Service program and dealers may be subject to change
at any time without notice.
**
Estimated Dealer Price is an estimate of the pricing from certified dealers in your local area based on your
selected vehicle as configured with your preferred options and colors. The Guaranteed Savings Certificate
shows the Estimated Dealer Price and Guaranteed Savings off MSRP for your selected vehicle. With Guaranteed
Savings, the selected certified dealer guarantees, on in-stock vehicles, that you will receive at least a certain,
stated minimum savings amount off the base Manufacturer¹s Suggested Retail Price (MSRP), including any
vehicle specific manufacturer incentives currently available. Because the vehicle with the exact color and
options you selected may not be in stock, your actual price and savings may differ. Used Vehicle Certificate
*
Exclusive Premier
Membership Benefits
AAA Premier members have access to the highest level of value-added
member services and benefits.
Reduced Airline and Rail Service Fees
For airline and rail reservations, visit a AAA Travel location. We’ll be happy
to make all the arrangements for you. As a AAA Premier member, you can
take advantage of reduced airline and rail ticket service fees, a $20 value.
Identity Theft Insurance
With this benefit, your Experian® credit report is monitored daily. Plus
you’ll receive free email alerts, if key changes are detected on your
credit report, free fraud resolution support and Lost Wallet Protection.
AAA Premier Members also receive $10,000 in Identity Theft Insurance.
There no hidden charges or fees to receive this FREE member benefit, but
requires enrollment.
Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of American International
Group, Inc. For details visit AAA.com/Safeguard
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Home Lockout Service
AAA Premier provides for up to $100 reimbursement in commercial
locksmith costs for home lockout service. Covered locksmith services are
limited to the cost of re-keying, changing locks, or making a new key in
order to gain entry to the home from outside, or if the keys are lost or
stolen. Any charges in excess of $100, as well as all charges associated
with any other residential locksmith services, are at the member’s
expense. Home lockout service is limited to one usage per AAA Premier
household per membership year, but is not counted as one of the four
allowable Roadside Assistance Service requests. Home lockout service is
reserved for a AAA Premier member’s primary residence within the area
served by AAA Missouri only and excludes all other buildings or locked
areas. Home lockout service is not transferable to any other person. The
AAA Premier member must be present and have photo identification and
proof of residence. In the case of rental property, approval of the property
owner may be required. See the Reimbursements section for additional
information on obtaining reimbursement for home lockout service.
One Day Complimentary Car Rental
If your vehicle is towed by AAA Missouri in your home club territory
and you are stranded without transportation, just ask us for help! We’ll
arrange a standard class rental car for one day at no charge from a AAA
preferred rental car provider. (Rental cars are subject to availability.)
With AAA Premier, each cardholder is entitled to a one-day standard
class rental car per membership year, when the tow is one of the
four allowable Roadside Assistance calls. Service must be provided by
the preferred rental car provider and arranged through AAA. The AAA
Premier member has up to 48 hours from the time of the tow to call
AAA and request the one-day complimentary rental car. AAA Premier
members are responsible for subsequent days rental charges, one way
rental fees, upgrades, vehicle insurance, mileage and fuel charges,
and any other charges, fees and taxes. Normal rental qualifications,
including age restrictions, and other restrictions apply.
If a AAA Premier member is at least 100 driving miles away from their primary
residence at the point of the tow, and needs to use their complimentary
rental car benefit, the member may be able to take advantage of their “Trip
Interruption” benefit (administered by Allianz Global Assistance).
Trip Interruption & Vehicle Return Coverage
If you are a AAA Premier member, are at least 100 driving miles from home,
and your trip is delayed due to an accident, mechanical breakdown, car theft,
unexpected illness or injury, natural disaster or severe weather, you can be
reimbursed up to $1,500 for covered out-of-pocket expenses, including meals
and accommodations; and/or for substitute transportation to continue your trip.
And, AAA Premier members can be reimbursed up to $500 to help you get
your car back home if an unexpected illness or injury prevents you from
completing your trip.
Exclusions, conditions and limitations may apply. See AAA Premier Trip
Interruption & Vehicle Return Section for complete details.
Ride Assist
If a AAA Premier member is involved in an accident or a breakdown, a
AAA representative can help you make rental car and other transportation
reservations.
Accident Assist
As a AAA Premier member, at the time of an accident or breakdown,
when you call for Roadside Assistance, a AAA representative can
help you contact family members, locate restaurants and find hotel
accommodations if you are out of town.
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Route Assist
If a AAA Premier member should get lost on the road within the United
States, call us for directions.
Travel Assistance
AAA Premier members can receive Global Travel Emergency Assistance
and Concierge Services 24 hours a day, 7 days a week–in the United
States or internationally–when they are on planned leisure trips 100
miles or more from the AAA Premier member’s primary residence which
include at least one overnight stay and are not more than 45 days in
duration. These services are available to AAA Premier members and
their spouses and unmarried dependent children age 24 or under who
are traveling with the AAA Premier member.
24-Hour Global Travel Emergency Assistance* for AAA Premier
members includes:
• Medical provider referrals, appointments and admission
arrangements
• Emergency translation service arrangements
• Lost tickets and document replacement arrangements
• Prescription replacement arrangements
• Emergency medical transportation arrangements
• Emergency medical visitation arrangements
• Emergency cash transfer arrangements
• Emergency message center service
Concierge Services* for AAA Premier members include:
• Theater, sporting event and other entertainment ticketing/
reservations
• Golf tee times and reservations (reservations subject to availability)
• Limousine and car service information and reservations
• Shopping and health club referrals and information
• Exhibition, shows and festival information
• Messenger service referral and arrangements
• Gift basket and floral delivery arrangements
• ATM location information
• Weather forecast information
The member must purchase AAA Premier service prior to travel departure
date in order to use these services. AAA Premier membership benefits include
these services, which are service benefits and not financial benefits. Any costs
associated with these services are paid by the member.
*Allianz Global Assistance is the administrator for this plan.
Certain restrictions and limitations apply.
Benefits and service provider are subject to change without notice.
Automotive Information Service
If you have a concern about the performance of your car, you can take
your questions straight to our experts. As a AAA Premier member, you
can receive free advice on vehicle problems and repairs. This service is
available Mon-Fri., 8:30 a.m. to 5:00 p.m.
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AAA Premier Trip
Interruption & Vehicle Return
Terms & Conditions
The AAA Premier Trip Interruption and Vehicle Return group insurance
benefits are provided to all AAA Premier members as long as the Master
Policy with BCS Insurance Company remains in force. These benefits are
subject to the following conditions and exclusions:
Definitions
“AAA Premier Member” means an Automobile Club of Missouri AAA
Premier member, AAA Premier adult associate or AAA Premier dependent
associate in good standing.
“Accident” means an unexpected, unintended, unforeseeable event
causing Injury or property damage.
“Accommodations” means temporary lodging in an establishment
licensed to provide temporary lodging to paying guests.
“Covered Person” means a AAA Premier member whose Primary
Residence is in the United States and his or her Immediate Family
Members traveling in the same Vehicle during Covered Travel.
“Covered Travel” means a planned leisure automobile trip in the Covered
Person’s Vehicle which has taken the Covered Person at least one
hundred (100) driving miles from his or her Primary Residence when the
incident occurs, which was intended to include at least one overnight stay
within the United States or Canada; and which does not exceed, and was
not planned to exceed, forty-five (45) consecutive days. Please note:
the Covered Person must be at least 100 driving miles from
the AAA Premier Member’s Primary Residence when the
incident occurs in order to be eligible for the benefits.
“Illness” means a sickness, infirmity or disease that causes a loss that
begins during Covered Travel.
“Immediate Family Member” means the AAA Premier Member’s spouse
and/or unmarried dependent children age 21 or under, including
stepchildren and legally adopted children. A grandparent traveling with
his or her grandchild who is a AAA Premier dependent associate is also
considered an Immediate Family Member.
“Injury” means bodily injury caused by an Accident, directly or
independently of all other causes and sustained during Covered Travel.
Benefits for Injury will not be paid for any loss caused by sickness or
other bodily diseases or infirmity.
“Physician” means a person who is licensed and legally entitled to
practice medicine and who is not a Covered Person or an Immediate
Family Member of, nor related to, a Covered Person.
“Primary Residence” means the AAA Premier Member’s billing address
which is recognized by Automobile Club of Missouri, and which must be
in the United States.
“Substitute Transportation” means any form of common carrier
transportation (i.e., licensed for the transportation of fare-paying
passengers, with the exclusion of taxis and limousines) and/or a
rental car of equal or lesser value to the Vehicle. Expensive or exotic
automobiles are excluded under this definition.
“Vehicle” means any two-axle motor vehicle designated for private use
for travel on paved public roads in which the Covered Person is either
driving or riding as a passenger. Moving vans are excluded.
“We, Us, or Our” refers to BCS Insurance Company and its agents.
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Trip Interruption Coverage*
What is Covered
Covered Persons on Covered Travel are reimbursed up to $1,500 per
trip for out-of-pocket expenses for the cost of reasonable additional
Accommodations and meal expenses and/or for the cost of Substitute
Transportation to continue the trip, incurred as a result of overnight
covered delay. Only expenses for the first 96 hours from the initial delay
are eligible for coverage. The coverage only extends to Covered Travel in
the United States and Canada.
The covered reasons for delay are:
1. Vehicle disablement due to mechanical failure (excluding tire trouble)
or an Accident that renders the Vehicle inoperable at least overnight;
2. Theft of a Vehicle;
3. Unexpected Illness or Injury requiring the Covered Person to receive
treatment by a Physician who advises delay of the trip;
4. Natural disasters;
5. Severe storms or unusual weather phenomena validated by National
Weather Service records
What is Not Covered
Benefits are not payable for travel which does not meet the definition of
Covered Travel, and for any loss, injury, illness, delays and/or expenses due to:
1. War (whether declared or undeclared), acts of war, military duty,
or hostilities of any kind (for example, invasion, rebellion, riots, or
insurrections);
2. Tire trouble;
3. Intentionally self-inflicted harm, including suicide;
4. Normal pregnancy or childbirth;
5. Mental or nervous health disorders;
6. Alcohol or substance abuse, or related illnesses;
7. An Accident occurring when the Vehicle is being driven by an
unlicensed driver or a driver who is not a Covered Person;
8. Personal property which is damaged or destroyed;
9. Any liability for injuries or property damage;
10. The commission or attempted commission of an illegal act;
11. The cost of repairs to the Vehicle;
12. Cost of fuel expenses;
13. Air and/or sea travel;
14. Carrier-caused delays;
15. Participation in professional athletic events or motor competition
(including training);
16. The cost of meals, Accommodations and Substitute Transportation
resulting from delays caused by routine maintenance or minor repairs to
the Vehicle
In cases where the Covered Person rents a Vehicle for Covered Travel
and the Vehicle is disabled or stolen, the Covered Person must make
immediate contact with the rental company after the disablement or
theft occurs to arrange replacement of the Vehicle. If such contact is not
attempted, the Covered Person will not be reimbursed for any expenses
incurred as a result of the delay.
Rental car expenses incurred by the Covered Person to continue the
trip will be reimbursed only if the Covered Person rents a vehicle of
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comparable or lesser class. Rentals of expensive or exotic automobiles are
excluded. Examples of such automobiles include Aston-Martin, Bentley,
Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen, Lamborghini,
Lotus, Maserati and Rolls-Royce.
Substitute Transportation expenses on common carrier transportation
will be reimbursed for economy fare only. Trip Interruption coverage is in
excess of other insurance or indemnity covering the losses covered under
this program. Expenses after 96 hours from the initial delay
are not covered.
Vehicle Return Coverage*
What is Covered
Covered Persons on Covered Travel are reimbursed up to $500 for
transportation of the Vehicle back to the Covered Person’s Primary Residence
when an unexpected Illness or Injury prevents completion of the Covered
Travel. Unexpected Illness or Injury must require the Covered Person to receive
treatment by a Physician who advises that Covered Travel cannot be completed.
The Vehicle must be operable. Transportation must be performed by an
accredited professional transport company.
What is Not Covered
In addition to the exclusions listed under Trip Interruption Coverage,
Vehicle Return benefits will not be payable if the Vehicle is a rental
vehicle or a Vehicle with an original lease term of less than one year
OR if the transportation of the Vehicle could have been performed by a
Covered Person or by a traveling companion of a Covered Person.
Vehicle Return coverage is in excess of other insurance or indemnity
covering the losses covered under this program. Expenses after 96 hours
from the initial delay are not covered.
General Program Provisions
This guide to benefits is not a policy or contract of insurance, but is your most
complete source of information. Please be sure to keep it in a safe place.
All information in this document is subject to the terms and conditions of
the Master Policy, a copy of which is in the possession of the Automobile
Club of Missouri. The terms and conditions of the Master Policy agree
with the terms outlined in this guide to coverage. However, features and
benefits are subject to change without notice.
The Covered Person agrees to use diligence in doing all things reasonably
prudent to avoid or diminish any loss. Allianz Global Assistance will not
unreasonably apply this provision to avoid claims hereunder.
How to File a Claim
Please gather the information below if you have a covered loss during
your Covered Travel as it will be requested when you file a claim upon
returning home.
All claims must be reported to Allianz Global Assistance
within 60 days from the date of loss or as soon after that
date as is reasonably possible.
Once you report a claim, the Service Associate will set up a claim file
for you and send you a claim form. You must send written proof of loss,
including any required information necessary to support the claim, to
Allianz Global Assistance within 90 days from the date of loss, or as
soon after that date as reasonably possible, and in no event, except in
the absence of legal capacity, later than one year from the time proof is
otherwise required.
*Insurance coverage is underwritten by BCS Insurance Company under a Form No. 50.233B. Allianz Global
Assistance is the licensed producer and administrator for this plan.
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General Documentation
1. Receipts and itemized bills for all expenses (such as itemized food and
lodging receipts)
2. Evidence of accident/theft (i.e. official police report)
3. Copy of payment for automobile repairs
4. Rental car receipts
5. Common carrier receipts
6. Copy of invoice from accredited professional transport company (Vehicle
Return Benefit)
If you have a question or need to file a claim, please contact
Allianz Global Assistance at 1-800-586-8456.
The Allianz Global Assistance will confirm your request and provide you
with assistance.
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Travel Planning
Hertz #1 Club Gold Plus Rewards Membership
Each member is entitled to a complimentary Hertz #1 Club Gold Plus
Rewards membership. Hertz #1 Club Gold Plus Rewards program provides
outstanding express rental service to its members to help make each rental
as personal and effortless as possible. To enroll please do the following:
• You must register as a AAA member on AAA.com prior to
applying for the Hertz #1 Club Gold Plus Rewards benefit.
• To enroll in Hertz #1 Club Gold Plus Rewards you must then go to
AAA.com/gold and complete the online application.
• You will then be given your priority code, which you can use for
future Hertz #1 Club Gold Plus Rewards rentals. In addition, if you
enroll in Hertz Gold Plus Rewards, Classic and AAA Plus members
receive 600 Hertz Gold Plus Reward Bonus points after their
first Gold rental, enough for One Free Rental Day. AAA Premier
members get 1,000 Hertz Gold Plus Reward Bonus points after
their first Gold rental, enough for Two Free Weekend Rental Days.
Certain terms, conditions and restrictions apply. See AAA.com/gold for
details.
Personal Travel Planning
All your travel planning can be accomplished with one phone call or visit to
your nearest AAA service office. Our trained travel counselors will help you
plan your route, sightseeing and accommodations and prepare a custom
travel package for every driving trip. We can also arrange your travel by air,
cruise ship or train, as well as booking tours and travel packages. To make
reservations visit your local branch, or call 1-888-366-4222 or book online
at AAA.com.
Maps & TripTik® Routings
Only AAA could make your auto trips this simple. Your free personalized
TripTik routing is an easy-to-follow, easy-to-carry strip map. Detailed AAA
city, state and region maps are also available for free. AAA marks your route
and prepares a TripTik routing that details your trip, with information about
construction, driving conditions, restaurants, lodging and fuel stops along
your way. AAA also offers TripTik Planner….an electronic version you can
create by visiting AAA.com and print using a home or office printer.
TourBook® Guides
Domestic TourBook guides are free of charge to
members. CampBooks, Caribbean, Mexican and
European Travel Books are for sale to members at
a discounted price. These books provide valuable
information about points of interest and AAA approved
accommodations throughout the U.S., Canada and Mexico.
Where indicated, AAA accommodation rates are guaranteed
for the duration of the current TourBook edition. Other
properties offer members a discount off their current rates. AAA
inspectors carefully evaluate each facility listed in the AAA TourBooks. Visit
or call a AAA service office or visit AAA.com to request TourBook guides
and maps.
AAA Travel Money
Let AAA help you determine the right type of travel money for your next
trip! Members can choose from products including foreign currency TipPaks
(available at select offices), prepaid travel, and credit cards. Just visit any
participating AAA office or log on to AAA.com.
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AAA Travel Agency
AAA Clubs operate over 1,000
Travel Agency offices throughout
the U.S. and Canada to give you
full service travel agency benefits
wherever you go. All your travel
arrangements can be made quickly
and easily with AAA. You can take
advantage of valuable travel benefits like these:
Cruises, Tours and Rail Tickets
AAA Travel Agencies are full service agencies which
handle arrangements for escorted or independent
tours and cruises all over the world. As accredited
agents for tour operators, cruise lines and Amtrak,
our experienced Travel Agents can help you get the
trip best suited to your budget. We are able to offer
you exclusive cruise and tour savings and added
value benefits with selected travel companies that
cater to AAA members. Call or visit your nearest AAA Travel Agency
(1-888-366-4222).
Airfares, Reservations and Tickets
One great advantage of having a AAA Travel Agency office handle
your airline reservations is that we represent the major airlines, not a
particular one. We are able to provide you with choices that best fit your
needs. Stop by or call the nearest AAA Travel Agency office (1-888-3664222) to make your reservations. If you prefer, you can purchase airline
tickets, cruise packages, various tours, lodging and car rentals online at
www.AAA.com.
International Travel Assistance
AAA is the only authorized source in the U.S. for
International Driving Permits (IDPs). AAA also
provides Passport and IDP photos (photos are free
to AAA Plus and AAA Premier members). The AAA
European travel book is available for purchase at a
discounted price to members.
Travel Accident Insurance
AAA Premier Members automatically receive $300,000 in Travel
Accident Insurance coverage when you purchase regularly scheduled
airline tickets through AAA Travel. Insurance coverage underwritten by
The Federal Insurance Company. Certain restrictions apply.
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17
AAA Financial Services
AAA Credit Card
The AAA Member Rewards Visa Signature®
credit card offers an array of exceptional
benefits. Earn unlimited rewards for everyday
purchases, such as:
• TRIPLE POINTS on all qualifying AAA and travel purchases
• DOUBLE POINTS for gas, grocery and drug store purchases
• 1 POINT PER $1 spent on purchases everywhere else
• EXCLUSIVE REWARDS including AAA vouchers good for travel,
even car repairs...or choose gift cards or 1% cash back
• No limit to the points you can earn
• Chip technology on the card helps make international travel
easier with expanded purchase options and convenience.
And many more benefits.
For information about the rates, fees, other costs, and benefits associated with
the use of this credit card or to apply, visit AAA.com/credit card or call
1-866-665-3581.
Earn 1 point per dollar of new net retail purchase transactions (qualifying
purchases less credits, returns, and adjustments) charged to the card
each billing cycle. Earn 2 points per dollar for purchases made with the
card at any eligible gas, grocery or pharmacy retail merchant categories
as designated by the issuer. Earn 3 points per dollar for purchases
made with the card through any participating AAA Club when AAA is the
merchant of record, or at eligible retail travel merchant categories as
designated by the issuer. Additional restrictions apply. Details accompany
new account materials.
This credit card program is issued and administered by Bank of America, N. A.
Visa and Visa Signature are registered trademarks of Visa International
Service Association and are used by the issuer pursuant to license from Visa
U.S.A. Inc. ©2015 Bank of America Corporation.
Identity Theft Monitoring
Each AAA member age 18 or older can
receive FREE identity theft monitoring with
ProtectMyID® Essential. This free benefit
includes: daily monitoring of your Experian®
credit report, email alerts when key changes
are detected, monthly “all clear” alerts, lost
wallet assistance and fraud resolution support. To get this benefit, members
must have a valid email address and may enroll online or by phone. AAA
Premier members with ProtectMyID Essential receive the additional benefit
of $10,000 in identity theft insurance at no extra charge.
Also available exclusively to members at a discounted rate is ProtectMyID
Deluxe. This enhances the ProtectMyID Essential product by offering daily
monitoring of all three credit bureaus,$1 million in Identity Theft Insurance
for all enrolled members, Internet scans looking for possible criminal activity
and ChildSecureSM alerts if accounts are opened in your child’s name.
Members who are enrolled in earlier Identity Theft monitoring products
with AAA can continue to use those products or call (877) 440-6943 to
request to be moved into one of the newer products.
ProtectMyID® Essential and ProtectMyID Deluxe are monitoring products
designed to help you identify and resolve identity theft incidents. These
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products are provided in addition to any precautions you should reasonably
be expected to take yourself, including protecting your account numbers,
passwords, social security number and other personally identifying information.
ProtectMyID Essential and ProtectMyID Deluxe cannot stop, prevent, or
guarantee protection against incidents of identity theft, or guarantee
satisfactory resolution.
ProtectMyID Essential and ProtectMyID Deluxe are provided by ConsumerInfo.
com, Inc., an Experian company. To be eligible to enroll in either product, you
must be 18 years of age or older and a current valid AAA member. Products
subject to change or termination at any time without notice. For more
information, including terms and conditions, visit AAA.com/safeguard.
Identity theft insurance underwritten by insurance company subsidiaries or
affiliates of American International Group, Inc. Refer to the actual policies
for complete terms, conditions, and exclusions of coverage. Coverage may
not be available in all jurisdictions.
Insurance Services
Insurance through AAA provides value and money-saving
discounts. We offer a wide range of insurance products
including auto, home,* renters,* condo,* and life.
*
Not available in Louisiana.
Auto Insurance
When shopping for auto insurance, members can count on dependable
AAA Insurance coverage at great rates. Our insurance plans include a
large variety of coverage types, amounts, and deductibles. And you’ll
find the rates are competitive with other insurers. We offer flexibility
when paying your insurance premium. Ask your AAA sales agent to
review your payment options in detail.
AAA Insurance coverage offers significant discounts for drivers who qualify:
• Multi-car discount. Save if you insure two or more cars.
• Anti-theft device. Save up to 25% off your comprehensive
coverage.
• Air bag discount. Save up to 30% on select coverages.
• Anti-lock brakes discount. Save up to 10% on select
coverage. (Not available in all states)
• Good student discount. Save up to 15% on select coverages.
• Driver training discount. Save up to 10% for youthful
operators who have completed an approved driver training course,
on select coverages.
• Multi-Line discount. Save up to 12% on select coverages
on your auto insurance and up to 25% on your homeowners
insurance. Not Available in Louisiana.
• Defensive driver discount. In some states, mature drivers
can save up to 10% on certain coverages by completing an
approved defensive driver course.
• 10% AAA member discount. Rates may be reduced by 10%
on select coverages for policyholders who are current members.
Discount savings are approximate and may vary by policy and by state of residence. Discounts may not be available
in every state AAA offers insurance. Other restrictions may apply and you must qualify for any discount. Auto
insurance provided by Automobile Club Inter-Insurance Exchange.
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1
Home Insurance
AAA can meet the insurance needs of homeowners, condominium owners
and renters. Not Available in Louisiana.
We offer:
• Fast, convenient claim service
• Easy Pay Plans
• AAA Member households save an additional $40 on Homeowners
premium or $10 on condo/renters insurance premium, with a
member discount.
For a free analysis and proposal without obligation, call your AAA agent
or 1-877-222-3179.
Homeowners, condominium and renters insurance provided by Auto Club Family Insurance Company. Not
available in all areas. Other insurance products provided by independent insurance companies.
Life Insurance
AAA has been providing peace of mind for its members for quite some
time on the road to life. With Term life insurance from AAA Life Insurance
Company, we can help provide you with peace of mind in knowing that
your family is protected for the future. Get a free no-obligation life
insurance quote for up to $5,000,000 in coverage. Term life insurance
can guarantee your premiums for up to 30 years.* Get a no-obligation
quote today to help pave the road for added peace of mind. For more
details, call (1-877-222-3179), click AAA.com or visit a local office.
Policy Form Series ICC11-1201, TL-1201. Life insurance underwritten
by our affiliate, AAA Life Insurance Company, Livonia, MI. AAA Life is
licensed in all states except NY.
*
Premiums increase annually after the initial term period. Coverage ends at age 95.
AAA Accident Assist
With AAA auto insurance, you have access to AAA Accident Assist,
which provides world-class roadside assistance, minimizes the hassle
associated with a collision and helps get you back on the road.
If you have AAA auto insurance and you get into a serious enough
crash that you need a tow, just call right from the accident scene.
1-866-AAA-BEST (866-222-2378). We will take care of the rest.
For members with liability only or other limited coverage with
Automobile Club Inter-Insurance Exchange, Roadside Assistance after an
accident is provided under your membership, not your insurance policy,
and is subject to membership restrictions. Repairs, rentals and other
benefits are subject to policy coverages and limits.
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AAA Discounts & Rewards
Your membership card entitles you
to valuable discounts and savings at
thousands of participating businesses
around the country, many right in your
neighborhood. Save on travel, automotive
services, entertainment, attractions and
more. For details, call your local office, refer to your club publication, or visit
AAA.com for discounts.
Save 10%, 20%, up to 30% on dining, shopping, travel and more.
You can shop online with 30,000 retailers and restaurants, including
well known brands such as Macy’s, Best Buy, The Home Depot and
Restaurant.com.1 Your online purchases may even earn you reward
points to apply toward future purchases – to save even more! Or, simply
Show Your Card & Save® at 7,100 participating businesses with over
100,000 locations nationwide. Many of our Members save more than
their AAA Membership costs every year, and so can you!
Discounted Movie and Attraction Tickets
Save time and money by purchasing discounted tickets to theme parks
and attractions at one of our local AAA branches or at AAA.com/
tickets. Tickets are available for these and other attractions: Walt
DisneyWorld, Universal Studios, Busch Gardens, Six Flags, Kennedy
Space Center and many more. In addition, members can purchase
discounted movie tickets in advance for AMC, MALCO, the Regal
Entertainment Group and Wehrenberg. Visit AAA.com/tickets or
your local branch.
Other Participating Businesses
• Penske Truck Rental 1-877-222-7924
• AAA Prescription Savings 1-866-222-7283
• Sprint 1-800-754-6907
• AAA Lodging Line 1-866-AAA-SAVE
• Hertz Car Rental 1-800-654-3080
AAA Mobile Solutions
Get mobile access to:
• Turn-by-turn directions
• AAA Member Roadside Assistance
• AAA Diamond rated hotels and restaurants
• AAA TourBook guide listings for attractions, events and
campgrounds
• AAA Discounts & Rewards
For more information, visit AAA.com/mobile.
1
Discounts, products and vendors are subject to change at any time without notice. Other restrictions
apply. AAA does not endorse any vendor and disclaims responsibility for any product, promotion or content
featured herein or on the AAA Discount website. Discounts and vendors herein current as of 3/31/15. For
full terms and conditions and to view current discounts, visit AAA.com/discounts.
23
Participating Retailers
Automotive
Travel &
Lodging
Personal
Services
1-800-654-3080
Travel With Someone You TrustSM
Food and
Entertainment
AAA.com/prescriptions
TM
1-800-532-1496
1-877-222-7924
Participating businesses are subject to change without notice. Discounts may not be combined with other offers.
Certain restrictions apply. Offer good at participating locations only. Businesses shown are current as of 3-31-15.
For more discounts visit AAA.com/discounts
AAA.com
24
Public and Government
Relations
Throughout our history, AAA has worked to make streets and highways
safer. We work closely with schools, law enforcement agencies, legislators
and private industry to strengthen laws and improve driving habits.
Traffic Safety and Driver Education
Since the 1920’s, AAA has aggressively promoted the development
of safety on highways. We provide material for parents of pre-school
children and classroom material for kindergarten and grade schools. AAA
also sponsors the AAA School Safety Patrol program and supports high
school driver education programs and the AAA Foundation for Traffic
Safety. Visit teendriving.AAA.com for helpful material for teen drivers.
Legislation
AAA continually evaluates and responds to legislation and regulatory
measures that affect motorists and travelers. Our concern is to protect
your interests as a motorist, to ensure that automobile drivers are not
the targets of discriminatory legislation and to promote safe and efficient
travel.
Public Information
AAA keeps members and the public informed on legislation, safety, and
consumer affairs through frequent news releases, public appearances and
public service oriented brochures.
AAA Traveler Magazine*
AAA Traveler magazine is published for AAA
members and is included as part of
your AAA membership. This
colorful, informative publication
is sent directly to the primary
member’s home six times a
year to help keep you up to date
on benefits, services and other
opportunities available to you as a
ler
member. Each issue of AAA Traveler
includes features providing helpfull
information on a variety of travel subjects and destinations.
*Annual Primary membership dues include a one year subscription to AAA Midwest Traveler or AAA Southern
Traveler magazine.
25
Branch Office Directory
24 Hour Roadside Assistance
1-800-AAA-HELP
(1-800-222-4357)
Speech/Hearing Impaired
1-800-451-4006
Customer Care Center
1-888-467-3543
Auto Travel/Maps/TripTik Guides
®
1-888-366-4222
Travel Agency
1-888-FON-4AAA
(1-888-366-4222)
Insurance Agency
1-877-222-3179
All Other Services
1-800-222-7623
Club Headquarters
12901 N. Forty Drive
St. Louis, MO 63141
314-523-7350
AAA.com
Serving AAA Members in MO, AR, KS, IL, IN, LA, MS
Service Offices
Missouri – St. Louis
Arnold – sales only
3510 Jeffco Blvd.
636-464-6222
Ballwin – full service
477 Lafayette Center
636-394-0052
Brentwood – full service
8308 Eager Rd.
314-862-8021
Chesterfield – sales only
15510 Olive Blvd., Suite 202
636-532-9229
Creve Coeur – sales only
13035 Olive, Suite 101
314-434-5555
Creve Coeur – East – sales only
11441 Olive Blvd.
314-998-0793
Florissant – full service
8194 N. Lindbergh Blvd.
314-838-9900
Midtown – sales & auto travel
3917 Lindell Blvd.
314-531-0700
O’Fallon – sales only
844 Bryan Rd.
636-272-1365
Toll Free 636-240-3201
O’Fallon – full service
2277 Hwy K
636-272-2362 • 636-926-0426
South County – full service
9005 Watson Rd.
314-962-2282
St. Charles – sales only
1046 Country Club Rd.
636-946-2229
St. Peters – full service
591 Mid Rivers Mall Dr.
636-279-2299 • 636-441-6001
Tesson Ferry – full service
9960 Kennerly Center Plaza
314-849-6663
Town & Country – full service
12901 North Forty Dr.
314-514-7888
Weldon Springs – sales only
6173 Mid Rivers Mall
636-922-2522 • 636-477-0222
Kansas City Area
Blue Valley– sales only
8300 W. 151st St.
913-851-8383
Broadway – sales & auto travel
3245 Broadway
816-931-5252 • 800-345-4283
26
Service Offices
Independence – full service
19210 E. 39th St.
816-373-1717 • 800-722-6978
Lee’s Summit – full service
621 NW Murray Rd.
816-623-3369 • 877-458-1433
Liberty – sales only
810 W. Liberty
816-781-9999
Nieman – sales only
6445 Nieman Rd
913-631-1700
Olathe – sales only
113-C Mur-Len
913-764-5300
Overland Park – full service
10600 Metcalf
913-649-2280 • 800-422-6375
Platte Woods – full service
7679 N.W. Prairie View
816-455-4900
Raytown – sales only
9812 E. 87th St.
816-353-3205
Shawnee – full service
15810B Shawnee Mission Pkwy.
913-248-1627
Joplin – full service
2639 E. 32nd St.
417-624-2000 • 800-822-9132
Kirksville – sales only
516 N. Baltimore #A
660-665-3737 • 800-922-7117
Moberly – sales only
213 N. Williams
660-263-8844 • 888-222-1916
Rolla – sales only
602 West 6th, Suite B
573-364-1117 • 800-822-1454
St. Joseph – sales only
3823 Frederick
816-233-1377 • 800-863-4222
Sedalia – full service
1204 Winchester
660-826-1800 • 800-822-8692
Springfield – full service
2552 South Campbell
417-882-8040 • 800-922-7350
Springfield – sales only
3030 E. Battlefield St. Suite A
417-823-3805
Washington – full service
2000 Washington Crossing
636-239-6791 • 800-922-2451
Other Missouri Offices
Branson – sales only
500 West Main, Suite 102B
417-334-3222
Cape Girardeau – full service
1903 Broadway
573-334-3038 • 800-922-0941
Columbia – full service
2101 W. Broadway, Suite E
573-445-8426 • 800-822-5567
Columbia – sales only
313 S. Providence
573-874-1909 • 888-645-5222
Farmington – sales only
725B Maple Valley Dr.
573-756-4299 • 800-922-7471
Jefferson City – sales &
auto travel
757 A West Stadium
573-634-3322 • 800-438-5222
Jefferson City – sales only
925 Madison St.
573-761-1500
Arkansas
Bentonville – full service
1501 SE Walton Rd., Suite 111
479-254-9223
Conway – sales only
930 Wingate #D1
501-327-0233 • 800-822-7705
27
Conway – sales only
603 Court
501-327-9222
Fayetteville – full service
4262 Frontage
479-444-9222 • 800-822-5356
Ft. Smith – sales only
1401 S. Waldron
479-452-2010 • 800-622-7389
Hot Springs – sales only
227 Hobson Ave.
501-624-1222 • 800-305-5094
Little Rock – full service
9116 Rodney Parham
501-223-9222 • 800-632-6808
Service Offices
N. Little Rock – sales only
4718 JFK Blvd.
501-771-9100 • 877-741-9100
New Orleans - full service
3445 N. Causeway Blvd.
504-838-7500 • 800-452-7198
Illinois
Carbondale – sales &
auto travel
1348 E. Main
618-457-8448 • 800-554-8820
Edwardsville – full service
6655A Edwardsville Crossing Dr.
618-659-4622 • 800-922-6813
Glen Carbon – sales only
11 Glen Ed. Professional Park
618-692-1428
Swansea – full service
2629 N. Illinois Ave.
618-235-5700 • 800-922-6129
Shreveport - full service
6570 Youree Dr., Suite 500
318-797-0262 • 877-415-3071
Slidell - full service
1300 Gause Blvd.
985-781-7068 • 866-325-2371
Mississippi
Jackson - full service
900 E. County Line Road
601-957-8484
Southaven – full service
7111 Southcrest Pkwy., Suite 102
662-349-4021
Indiana
Evansville – full service
7820 Eagle Crest Blvd.
812-477-9966 • 800-851-0222
Louisiana
Baton Rouge - full service
5454 Bluebonnet Rd., Suite M
225-293-1200 • 888-718-7968
Full Service includes: AAA Travel Agency, Airline Tickets, Cruises, Passport Photos, International Driving
Permits, Rental Car Reservations, Domestic Travel Routings, Hotel Reservations, Membership, Insurance Sales.
Sales & Auto Travel includes: Domestic Travel Routings, Hotel Reservations, Passport Photos, International
Driving Permits, Rental Car Reservations, Membership, Insurance Sales.
Sales Only includes: Membership, Insurance Sales.
28
Automobile Club of Missouri
12901 N. Forty Drive
St Louis, MO 63141
314.523.7350
Toll Free: 1.800.222.7623
For more information and to access many
of the services described in this Member
Handbook, visit our website:
AAA.com
We’re always with you.®
Copyright © 2015 Automobile Club of Missouri. All rights reserved.
67942
Rev 03/15