Accident Insurance

Insurance Accident Insurance

Don't let an accident hit you in the wallet.

Now you can get accident protection that helps cover you, your family, and your finances. Member-Years® Accident Insurance Plans help pay for everyday costs that may otherwise go uncovered. Your AAA membership guarantees your acceptance in this plan. Plus, your benefit amounts grow automatically for each of your first 5 years of AAA membership.

What's Accident Insurance?


Why is it a smart choice?

  • No health questions and no medical exams
  • On average, each crash-related emergency department visit costs about $3,300*
  • You can use the cash for anything you choose
  • Helps protect you and your family at an affordable cost



Your AAA club offers you a choice of three different Member-Years® Accident Insurance Plans. Review the plans below and choose the one that’s right for you and your family.

The Classic Care Accident Insurance Plan

offers members 4 different types of benefits for covered accidents – accidental death insurance plus hospitalization, outpatient and recuperation benefits. Learn More

The Priority Accident Insurance Plan

is a lower-cost option. This plan provides accidental death insurance and hospitalization benefits for covered accidents. Learn More

The High Limit Accidental Loss of Life Insurance Plan

provides anywhere, anytime accidental death coverage. This plan provides benefits for covered accidents resulting in loss of life. Learn More

Policy Form: GBD-1000 A Classic Care: ADD-11330; High Limit: ADD-11358; Priority: ADD-11359 Underwritten by Hartford Life and Accident Insurance Company, One Hartford Plaza, Hartford, CT 06155. Please read the attached links for more information (including costs, exclusions, limitations, and terms of coverage). NEDP0316