AAA Insurance Claims

The Challenges of Settling Car Accident Claims with AAA Insurance in Las Vegas.

No matter how safe a driver you are, car accidents happen. The average driver in the US can expect to be involved in 3-4 car accidents in their lifetime. Handling the aftermath of a car accident can be daunting, particularly if you find yourself injured or facing significant vehicle damage. These incidents often result in injuries, loss of income, and a surge of accumulating expenses. When dealing with AAA, the situation becomes even more complex. Insurance companies are notorious for complicating matters, often resorting to delaying tactics or offering inadequate settlements. Consulting a seasoned personal injury attorney, such as Kaplan Young, is imperative if you’ve experienced a car accident in Las Vegas and are struggling to receive proper compensation. Working with a car accident attorney specializing in navigating and succeeding in car accident cases can make all the difference.
About AAA Insurance Company:  
The American Automobile Association, AAA, was founded in Chicago, IL 1902. It is the US’s 17th biggest car insurance company, with 0.71% of the market share. While most people know AAA as a not-for-profit, members-only motor club, it offers car insurance to over 60 million members. However, unlike other insurance companies, AAA does not write its policies. Each “auto club” operates independently. So, when you file a claim, you will work with one of AAA’s regional insurance partners.
AAA has a generally positive reputation but has yet to keep it out of trouble when paying claims. In 2021, a court awarded 26 million dollars to a claimant for breach of good faith and fair dealing. This claimant was only seeking $25,000, but AAA’s refusal to pay ended up costing them 1,000 times that amount. The jury found that AAA could have settled this out of court for the policy limits but instead made the victim go through the entire litigation process. In this case, the victim received more compensation than their policy limits, and AAA received punishment for their actions.
How to File a Car Accident Claim with AAA:  

You can file a car accident claim with AAA online, by phone, or through their mobile app. During this conversation, ask about the documentation they need – estimates, reports, etc. Usually, they will be looking for:

  • Date, time, and location of the collision
  • Names of drivers involved in the collision
  • Vehicles involved in the collision
  • Descriptions of any damage resulting from the collision
  • A police report of the collision
  • Photos or videos of the collision
You will submit your information through your chosen avenue, and AAA will officially open a claim and assign a claims adjuster.
The insurance companies employ claims adjusters to investigate and resolve claims. At this point, the claims adjuster will ask for an official statement. Any statement you give to an adjuster will be considered evidence and can be used against you in court. Any inconsistencies, misinterpretations, and admissions will be used in an attempt to pay as little as possible. We recommend working with an experienced lawyer to craft and submit this statement to protect your rights.
If the AAA adjuster determines that their policyholder caused the car accident in Las Vegas, NV, they will offer an initial settlement. This offer should include all the costs of your car accident and injuries. Review this offer with your attorney; they’ll be able to tell you if the offer is fair or unlikely to cover all accident-related expenses. Remember that offer letters generally include a waiver that will prevent you from seeking additional compensation in the future.
If your insurance company has denied your claim or if someone has offered you an unfair settlement, consider hiring an accident lawyer and filing a lawsuit.
Will working with an accident lawyer get me a better settlement?

Generally, yes. According to a 2017 study by Martindale-Nolo Research, accident victims with legal representation receive settlements nearly three times higher than those without. Working with an attorney will also make the process easier. Your lawyer can take on many of the tasks requested by the insurance company:

  • Gathering and preserving evidence to establish liability
  • Investigating the incident and establishing the fault
  • Review all applicable insurance policies
  • File a lawsuit and represent you in court
How Can Kaplan Young Law Firm Help Me with AAA?
After years of expertise, Kaplan Young knows the best way to handle AAA insurance claims. If you’ve been injured in a car accident in Las Vegas and are negotiating with AAA, our team is ready to assist you. Contact Kaplan Young Law Firm today at 702-381-8888 to schedule a complimentary consultation with one of our dedicated personal injury attorneys.