AAA is a privately held motor club that’s known for emergency roadside services, which can be helpful if you get into an accident. You can belong to one of 42 clubs based on your location, and most of them have “AAA” in their name. The only exceptions are the Auto Club Group and the Automobile Club of Southern California. One program that many people sign up for is Member Loyalty Accident Insurance, which includes cash benefits that you can access while you recover from your injuries. However, much of these benefits have to do with hospital stays and medical treatments, which may have you asking, “Does AAA have to pay for your lost wages if I miss work after an accident?”
To answer that question, you must understand precisely what is covered under the Accident Insurance program and how you can maximize your payments from AAA. Below are some of the topics we will cover in this article:
- What documentation do I have to show to get lost wages compensation from AAA?
- Why is AAA refusing to pay for my lost wages?
- Can I sue AAA for refusing to pay for my lost wages?
As we can only offer general information, please contact our attorneys for a one-on-one consultation. We look forward to meeting you and fighting for the compensation you deserve.
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What is AAA’s Member Loyalty Accident Insurance Program?
AAA Auto Club members enroll in this program as a supplement to their regular insurance policy. It can be very helpful to have these benefits on hand while you wait to resolve an accident claim with the at-fault party’s insurance company. Here is what the plan offers:
- Hospitalization costs – Those with serious injuries may need to be hospitalized. Members receive $375 to $1,500 for each day of hospitalization for up to 1 year.
- ER and urgent care – These visits can be very expensive, as you are charged for many expenses, including tests and medications, along with each doctor and nurse that treats you. You can receive an annual allowance of $375 to $1,500 for urgent care and emergency room visits.
- Recuperation payments – For some people, it can take weeks or months to recover from an injury. In the meantime, AAA will pay you $375 to $1,500 per day while you recuperate from a qualifying accident.
Recuperation payments are similar to lost wages, which you would receive from a traditional insurance company. However, the average insurance claim can take quite a while to process, and those people are definitely not on your side. AAA, on the other hand, is a members-only club that you belong to; surely, these people will pay you what you are owed, right?
Unfortunately, it’s not always that easy, as the accident insurance program has many restrictions for the types of accidents they will cover. This is probably the first excuse they will give you in their attempt to deny you payment. But what if you’ve done your research, and you are 100% sure that you are eligible for recuperation payments due to missed time off at work?
Help – I need a Lawyer that can Help me with a Lost Wages Claim against AAA!
As previously mentioned, AAA offers several types of accident coverage that can compensate you for losses, including lost wages. If you are being denied recuperation payments by AAA’s Auto Club, don’t be surprised. Of course, there may be valid reasons as to why they’re rejecting your claim, which we can assist you with here at our office. But many AAA members that come to us are eligible for payment under the terms of the Accident Insurance Program. In that case, why is AAA refusing to pay you?
Frankly, AAA is no different than any other company that offers insurance coverage. The Auto Club is technically a not-for-profit entity, which is attractive to many people. But make no mistake – this doesn’t mean that AAA doesn’t care about money. They still charge you for membership, as well as each family member that you add to the plan. This is a huge source of profit for the company, and chances are, they’re not going to release these funds without a fight.
The good news is, you are not out of luck if AAA is refusing to pay for your lost wages. We have many years of experience representing AAA Auto Club members and know what it takes to recover your benefits. Evidence is a major component to winning these cases, which we will explain in the next section.
How can I Prove that I am Entitled to Lost Wages?
Proof of your injuries, how they’ve impacted your ability to work, and the wages you’ve lost as a result, are essential to getting paid by AAA after an accident. When we assemble a case for lost wages on behalf of a client, here are some of the documents we use:
- Medical records
- Medical expert testimony for serious / long-term injuries
- Paystubs or some other proof of your salary / hourly rate
- W2 (or another tax form sent by your employer)
- Tax returns
- Bank statements
It’s okay if you don’t know where to start. Depending on your job situation, you may not have all these documents at your disposal. But there are plenty of other ways to show the income you have lost due to your injuries from an accident. Our lawyers are here to guide you every step of the way, so please give us a call at your earliest convenience.
What are my Rights if I’m being Denied Lost Wages by AAA? Can I Sue?
If you have been harmed due to the careless or negligent act of another party, you can file an accident claim with that individual or company’s insurance provider. However, supplemental coverage through AAA can be valuable, as these payments are issued fairly quickly. This can take a load off your shoulders while you recuperate from your injuries. However, that peace of mind is only there for you if your claim goes off without a hitch.
To ensure that the claims process with AAA is as smooth as possible, make sure to speak with an attorney right from the start. The lawyers of Normandie are familiar with AAA’s accident coverage policy. We will not fall for any manipulations tactics that are used by these agents, which is why so many claimants end up with low settlements. We will act immediately on your case and fight for every penny of the benefits you are entitled to.
As for suing AAA, we find that this is unnecessary in most cases if you’ve retained high quality representation. But if the company is acting in bad faith – meaning they are unjustly denying you payment or using stall tactics to break you down – we will not hesitate to file a lawsuit and ensure that you are fairly compensated for everything you’ve gone through. To learn more about your rights and legal options, contact us to speak with a bad faith insurance lawsuit attorney.
I’m not Happy with my Current Lawyer. What should I do?
First, let us reassure you that you are not alone. Many claimants find themselves with attorneys who are difficult to reach, and as a result, their claim is unresolved month after month. Alternatively, you may be suspicious about your lawyer’s lack of knowledge when you ask them questions, such as:
- What is the average case value among people with injuries similar to mine?
- How long does it take to settle these cases?
- What is the statute of limitations if I want to file a lawsuit against AAA?
We can provide you with a second opinion on any issue you are having with your case. If we sound like a law firm you want to work with, the transfer process is taken care of by us, so you won’t have to fire your attorney in person. On the other hand, you can just come to us for advice, as switching your lawyer is a big decision that may not be right for your situation. The second opinion is completely free of charge, so please take some time to speak with one of our lawyers.
Speak to a AAA Accident Insurance Attorney
AAA prides itself on being a company “for the people,” but in reality, their goal is to hold on to the money they receive from their members. That means they will look for any reason to deny your claim or shave as much off your payment as they can get away with. Due to the complexities of supplemental insurance coverage, many victims are taken advantage of and left without the funds they desperately need.
Normandie Law Firm is here to fight for you if AAA is refusing to cover your expenses after an accident. We have what it takes to recover the payments you’ve been promised as a member of the Auto Club. Along with our skill and experience, you will receive the Zero fee guarantee, which means you don’t pay a cent while we work on your case. We only get paid by winning your claim, and if we lose, you won’t be responsible for any of our expenses.
Our lawyers are here for you 24/7, so call us right away to schedule a free case evaluation.
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