I know what you mean. I’ve had a few “premium” policies and even those didn’t exactly roll out the red carpet when I needed them. Funny how you pay extra for peace of mind and still end up sweating over claim forms. Maybe it’s just the nature of insurance? My neighbor waited three months for a windshield replacement... and he went with one of the big guys too. Sometimes I wonder if it’s all just a gamble, no matter who you pick.
I hear you—had a similar runaround with AAA last year when my ‘68 Mustang got a door ding. Took weeks just to get an adjuster out, and the paperwork was a nightmare. You’d think paying extra would mean less hassle, but it’s always a roll of the dice. Maybe it’s just how the industry works now... but it sure makes me nervous about what would happen if I ever had a real claim.
Yeah, I get where you’re coming from. I had a similar experience with my S-Class last year—minor fender bender, nothing dramatic, but it still took forever to get someone out to look at it. I kept thinking, if this is how they handle the small stuff, what happens if there’s a bigger accident or something more complicated? Makes you wonder if the “premium” coverage is just a label these days.
Do you ever worry about how they’d handle sourcing parts for older or specialty cars? I’ve heard stories about people waiting months for repairs just because the insurance dragged their feet on approvals. It’s kind of unsettling, especially when you’re paying top dollar for peace of mind. Maybe it’s just the way things are now, but I can’t help but question if it’s worth sticking with them or shopping around.
I’ve been looking into insurance options for the first time, and honestly, stories like this make me second-guess the whole “premium” thing. If it takes weeks just to get a basic claim sorted, what’s the point of paying extra? Has anyone actually had a positive experience with AAA lately, or is it just hit-or-miss depending on where you live? I’m starting to wonder if all insurers are like this now or if some still actually deliver on service.
Title: Anyone else feel like AAA insurance isn't what it used to be?
If it takes weeks just to get a basic claim sorted, what’s the point of paying extra?
That’s exactly what I’ve been wrestling with lately. I drive a newer BMW and figured paying for “premium” coverage would mean less hassle if anything ever happened. Last year, someone sideswiped me in a parking lot—nothing major, but enough to need a new door panel. I thought AAA would handle it smoothly, but it turned into this weird waiting game. Calls back and forth, adjusters missing appointments, and at one point I was told they were “waiting on parts info” for almost two weeks.
Honestly, I expected more for the price. My neighbor with a Tesla swears by his smaller, local insurer—says they’re way faster and actually pick up the phone. Maybe it really does depend on where you are, or maybe the big names just aren’t what they used to be. Hard to say, but I’m definitely rethinking what “premium” actually gets you these days.
