AAA Informative - Insurance Companies Suck
People, the title says it all (well, almost all.) It does not matter very much which company you choose. They are all going to play hard-ball because that is what they do. Anyone who works for an insurance company & is honest will tell you the same.
The cards are stacked against us, even for those of us who do NOT love in a no-fault state, they have decided for us whether we will be considered responsible in every situation conceivable to man. Usually they will fault all of us, so they should really call it ALL-FAULT.
Regarding AAA specifically, I had insurance with them for a number of years. One incident in '94 (I was not at fault), was when the AAA Rep actually told me he felt sorry for the guy making the (ahem, false) claim against me because he, himself had experienced how expensive insurance is for young men (the reason for his ratty car?). What did that have to do with the important issue, that AAA had no responsability to pay out his claim? The claimant's car was 7 years old, had dents & scratches all over the car & bumper, but AAA insisted on inspecting my vehicle to make sure that my bumper showed no damage in the area where the guy claimed my bumper hit his bumper. He just wanted a new bumper at my expense!
Then there was the accident in '95, where a car cut off another car in front of me, & AAA declared the person in front of me, and ME, at fault, instead of the person who caused the accident by driving recklessly. It looks like a set up, in hind sight, because I didn't like the way that car was driving & I slowed down considerably to avoid him. So he picked on the car in front of me, but I got caught in it. I would have had plenty of room to stop in time if it hadn't happened at the bottom of the freeway on-ramp, which was downhill, and if it had not been raining. My brakes locked up at the last minute & I found myself drifting into the back of the 2nd car.
In '98 AAA refused to replace the bumper on my pristine, dentless & scratchless car with an OEM part; instead, they used a cheap part & the body shop could not get it to align properly. No amount of complaining could convince them to fix the PROBLEM (OEM!OEM!OEM!) Hopefully they can't get away with that nowadays, I think the laws changed shortly afterward. This was an accident that was caused by the guy behind me, so HIS insurance was supposed to pay for it anyway! If his company did refuse, AAA should have payed the difference to keep me happy. I ended up selling that beautiful car & shaving $500 off the sale price because of that stupid bumper!
It was the last straw, I switched to another company & never looked back.