anyone else feel like AAA insurance isn't what it used to be?

sometimes it feels like they want your whole life story just to process a claim.

That’s been my experience lately too. I get that fraud’s a concern, but the paperwork is getting out of hand. I actually had to dig up an old email chain from two years ago just to prove a repair was legit. Roadside’s still solid, but the claims process? Definitely more hoops than it used to be. Maybe it’s just the industry now, but it feels like AAA’s changed how they handle things.

Title: Anyone Else Feel Like AAA Insurance Isn't What It Used to Be?

sometimes it feels like they want your whole life story just to process a claim.

Yeah, I hear you on that. I’ve been with AAA for over a decade, and the shift in how much they want from you these days is pretty noticeable. Used to be, you’d call in, answer a few questions, and things would get rolling. Now I’m triple-checking my records before I even pick up the phone.

One thing I’ve found that helps—keep a folder (digital or paper) with every single repair receipt, estimate, or related email. It’s a pain, but it’s saved me from digging through old inboxes more than once. They asked me for proof of regular maintenance last year for a pretty straightforward claim. Wasn’t expecting that at all.

I get the fraud issue, but sometimes it feels like they’re just making it harder for everyone. That said, I do think some of this is industry-wide. My brother-in-law’s with State Farm and he’s started seeing similar stuff—extra forms, more “documentation,” whatever. Still, AAA’s roadside has bailed me out more times than I can count, so I stick with them...for now.

If you’re dealing with a claim, here’s what’s worked for me:
1. Gather every doc you think might be remotely relevant before you call.
2. Take photos of paperwork—sometimes they’ll accept a pic instead of a scan.
3. Don’t be afraid to ask them exactly what they need up front. Sometimes the reps aren’t super clear.
4. If you get stuck, ask for a supervisor. Not always fun, but it can speed things up.

It’s definitely not as simple as it used to be, but with a little prep, you can dodge some of the headaches. Just wish it didn’t have to be this complicated now.

I get where you’re coming from, but honestly, I don’t think AAA is that much worse than anyone else these days. Like you said,

“some of this is industry-wide”

I do think the extra paperwork can actually help in some cases. When I had to file after a minor fender bender, having all my maintenance records ready made the process smoother. Maybe it’s not ideal, but at least it keeps things transparent on both sides.

I still trust AAA more than most, especially for roadside stuff. The claims process isn’t fun, but I’d rather have them be thorough than risk getting denied for missing something small. Just my two cents.

I get why having all the paperwork helps, but honestly, the amount they ask for now just feels like a hassle. I switched to Progressive last year and the process was way less of a headache. Maybe AAA’s still good for roadside, but for insurance stuff, I’m not convinced it’s worth the extra steps anymore.

I hear you on the paperwork. Last time I tried to update my policy with AAA, it felt like applying for a mortgage—so many forms and hoops. I get that they want to be thorough, but when I switched my Porsche over to Progressive, it was all digital and done in under 20 minutes. Maybe AAA’s old-school approach works for some, but for me, the convenience factor is huge. Still, I do keep their roadside just in case... can’t beat them when you’re stranded with a flat tire in the middle of nowhere.