Table of Contents
The rain was just starting to slick the asphalt on a Tuesday afternoon when it happened.
A low-speed, almost apologetic crunch of metal—a classic fender-bender.
No one was hurt, thank goodness, but my rear bumper now had a very personal relationship with the other driver’s headlight.
Adrenaline, annoyance, and a sudden, urgent need for a phone number.
“It’s fine,” I thought, pulling out my phone.
“I’ll just call AAA.”
That’s when I fell down the rabbit hole.
A quick search for “AAA claims phone number” unleashed a torrent of results.
Was it the 1-800 number on one website? The different number on my membership card? The other one listed for “Auto Club Enterprises”? Each click led to more confusion, not less.
In that stressful moment, standing on the wet shoulder of the road, I realized the one thing I thought was simple—calling my insurance company—was a frustrating, bewildering maze.
My mistake was a simple one, an assumption I think most of us make: that AAA is one giant, monolithic company.
It’s not.
The breakthrough came later, after the tow truck had left and I was staring at my stack of paperwork.
I stopped looking at my membership card, with its iconic red, white, and blue logo, and instead picked up my insurance policy declaration page.
And there it was, in the fine print: the actual name of the company that underwrote my policy.
That was the epiphany.
To get help, you don’t need a number for AAA; you need to know how to find the number for your specific insurer.
AAA isn’t a single insurance company.
It’s a federation of regional motor clubs that partner with a constellation of different insurance groups to offer policies to members.
Understanding this structure isn’t just trivia; it’s the key that unlocks the entire claims process.
This guide is the map I wish I’d had on that rainy Tuesday—a way to turn your moment of crisis into a clear, manageable process.
In a Nutshell: The Most Common Claims Numbers
If you’re in a hurry, these are the primary claims numbers for the largest AAA-affiliated insurance groups.
But I urge you to read the next section to confirm which one is yours—calling the wrong number will only lead to delays.
- For Auto Club Enterprises (Interinsurance Exchange) members (Often in Southern California and other affiliated states): Call 1-800-672-5246 (1-800-67-CLAIM). Reporting is available 24/7.1
- For CSAA Insurance Group members (Serves 23 states, including Northern California, Nevada, Utah): Call 800-922-8228. This line is open 24/7.2
- For The Auto Club Group (ACG) members (Serves states like Florida, Georgia, Michigan, Tennessee, etc.): Call 1-800-228-9224. This line is open from 8 a.m. to 8 p.m. EST, 7 days a week.3
- For Life Insurance Claims (All Regions): Call 855-598-0857. This is handled by the separate AAA Life Insurance Company.4
Now, let’s make sure you know exactly which number is the right one for you.
Part 1: Cracking the Code – Understanding the AAA Universe
The core reason finding the right claims number is so confusing is that most of us misunderstand what “AAA” Is. We see the logo and think of it as one entity.
The reality is a three-layer system.
Think of it like a major fast-food franchise: there’s the global brand everyone knows (McDonald’s), the local restaurant owner you actually buy your burger from, and the separate, often invisible company that supplies the beef.
For AAA, the structure is remarkably similar.
The Three Layers of AAA: Brand, Club, and Insurer
To navigate the claims process, you must understand which layer you’re dealing with at any given moment.
- Layer 1: The National Brand (The Umbrella)
This is the American Automobile Association (AAA). Founded in 1902, it’s a not-for-profit federation of motor clubs across North America.5 It sets the standards, provides the famous brand identity, advocates for motorists, and creates the travel guides and maps we all know.6 However, the national AAA brand does
not sell you insurance or pay your claims. It’s the umbrella over everything, but it’s not the entity you have a direct financial contract with for your insurance policy. - Layer 2: The Regional Motor Club (Your Local Branch)
This is the specific club you join based on where you live. This is the organization that sends you your membership card and renewal notices. Examples include Auto Club Enterprises (the largest federation of clubs in the nation, serving 17 million members in 21 states), The Auto Club Group (ACG), or AAA Northeast.7 You interact with your regional club for membership services, travel planning, and, crucially, when you purchase your insurance policy. They are the storefront, the local franchise owner you know and trust. - Layer 3: The Insurance Underwriter (The Money)
This is the most critical and least visible layer. The underwriter is the actual, state-regulated insurance company that holds your financial risk, issues your policy, and—most importantly—manages and pays your claims. While your policy is branded with the AAA logo, the legal contract is with this underwriting company. Your regional club acts as an agent, selling you a policy from one of these insurers.
Major underwriters in the AAA ecosystem include:
- CSAA Insurance Group: A major insurer that partners with AAA clubs in 23 states and the District of Columbia.10
- Interinsurance Exchange of the Automobile Club: The primary insurance subsidiary under the Auto Club Enterprises Insurance Group.12
- The Members Insurance Company: One of the carriers used by The Auto Club Group (ACG).3
- AAA Life Insurance Company: A completely separate and distinct company that handles only life insurance and annuities.13
The reason for this structure is rooted in history and regulation; insurance is managed on a state-by-state basis, making a federated model more practical than a single national insurer.
But for you, the policyholder, the consequence is clear: your primary point of failure is searching for the “Brand” (AAA) or the “Club” (Auto Club Enterprises) when you need to be contacting the “Insurer” (CSAA, Interinsurance Exchange, etc.).
This fundamental misunderstanding is the source of the maze.
As some legal experts point out, “when you call to file your claim, you are not filing a claim with AAA.
Instead, you are filing a claim with one of AAA’s insurance partners who serve your area”.14
Your Mission: Identify Your True Insurer
This is the single most important step you can take to prepare for a claim.
It transforms you from a confused searcher into an informed policyholder.
Here is exactly where to find the name of your underwriting company.
- Step 1: Your Insurance ID Card. Pull out the proof-of-insurance card you keep in your car. Look closely. While the AAA logo will be prominent, there is often smaller print that names the specific underwriting company, such as “CSAA Insurance Group, a AAA Insurer” or “Issued by Interinsurance Exchange of the Automobile Club.”
- Step 2: The Policy Declarations Page. This is your most reliable source. The declarations page is the one- or two-page summary at the very front of your insurance policy documents. It lists your coverages, vehicles, drivers, and policy number. By law, it must also clearly state the full legal name of the insurance company underwriting the policy. This is the definitive answer.
- Step 3: Your Online Account. Log in to your regional AAA club’s website. Navigate to the “Insurance” section and view your policy details. The full name of the underwriting company should be listed there.
Once you have this name, you have the key.
You can now use the directory below to find the exact phone number you need, bypassing the confusion and getting straight to the source of help.
Part 2: The Definitive AAA Claims Contact Directory
Armed with the name of your specific insurer, this directory will guide you to the right person.
I’ve organized the contact numbers not by the AAA brand, but by the actual corporate entities that handle the claims, saving you the frustration of navigating a complex phone tree.
Master Claims Hotline Directory
This table lists the primary phone numbers for auto and home insurance claims for the major AAA-affiliated insurance groups and some of their key partners.
Find the name that matches your policy documents.
| Insurer / Entity Name | Primary Claims Phone Number(s) | Hours of Operation | Key Regions / Notes |
| Auto Club Enterprises (Interinsurance Exchange) | 1-800-672-5246 (1-800-67-CLAIM) | Reporting available 24/7 1 | The largest federation, serving Southern California and 20 other states. This is the primary number for auto and home claims.7 |
| CSAA Insurance Group | 800-922-8228 | 24 hours a day / 7 days a week 2 | Serves AAA members in 23 states and DC, including Northern California, Nevada, and Utah.10 |
| The Auto Club Group (ACG) | 1-800-228-9224 (The Members Ins. Co.) 1-800-228-9224 (Universal Ins. Co.) | 8 a.m. to 8 p.m. EST, 7 days a week 3 | Serves members in CO, FL, GA, MI, NC, SC, TN, WI, and parts of IL, IN, IA, MN.16 Note the different carriers under their umbrella. |
| AAA Missouri (Auto Club Inter Ins Exchg) | 314-523-7350 (press 3) | Business hours likely; 24/7 reporting may be available via a general number.17 | Specific to the Missouri region. |
| AAA Northeast | 800-222-4242 (Insurance Customer Service) 866-284-7222 (Motor Club Ins. Co.) | Mon-Fri: 8:45am-5:30pm, Sat: 9am-2pm (NY) Mon-Thu: 8am-7pm, Fri: 8am-6pm, Sat: 9am-4pm | Serves members in states like NY, MA, CT, RI, NH, and NJ.8 |
| Partner Carrier: Progressive | 1-800-274-4499 | 24/7 | If your policy is underwritten by Progressive through a AAA club.3 |
| Partner Carrier: Travelers | 1-800-252-4633 (1-800-CLAIM33) | 24/7 | If your policy is underwritten by Travelers through a AAA club.3 |
| Partner Carrier: Foremost Insurance | 1-800-527-3907 | 24/7 | Often used for specialty vehicles (motorcycles, RVs) or mobile homes.3 |
Note: Many regional clubs partner with dozens of other insurance companies.
If you do not see your insurer listed here, the name on your policy declaration page is the one to search for directly.
Specialized Contacts: Glass, Life, and Roadside Assistance
Not all issues involve a collision.
Using these direct lines for specific needs can save you significant time.
The very existence of these separate channels is further proof of the specialized, decentralized nature of the AAA ecosystem; different business units or even third-party vendors are often responsible for these distinct services.
| Service / Claim Type | Primary Phone Number(s) | Associated Entity / Notes | ||
| Auto Glass / Windshield | 855-522-2349 (Auto Club South) 19 | 866-315-1254 (AAA Carolinas) 20 | 1-888-40GLASS (AAA Auto Glass) 21 | Glass claims are often handled by regional or third-party specialists. The best first step is to check your local club’s website for “Auto Glass Repair.” |
| Life Insurance Claims | 855-598-0857 (Claims Support) 4 | 800-624-1662 (MWG region) 23 | Handled exclusively by AAA Life Insurance Company, a distinct entity from the auto/home insurers.13 Do not call your auto claims number for life insurance matters. | |
| Roadside Assistance | 1-800-AAA-HELP (800-222-4357) 23 | 1-800-400-4222 (ACE region) 1 | Critical Distinction: This is for membership services (towing, battery jumps, lockouts, flat tires). This is NOT for filing an insurance claim related to an accident. |
Digital Channels: Filing Online and Through the App
For those who prefer a keyboard to a phone call, digital options are robust and available 24/7.
- Online Filing: Nearly every regional club’s website has a dedicated “Claims Center”.24 After logging into your account, you can initiate a claim. The online forms will ask for the same detailed information as a phone call, so it’s best to have everything ready before you start.25
- Mobile App Filing: The AAA Mobile App is a powerful tool. In addition to requesting roadside assistance, you can often file a claim directly through the app.24 A key feature available in some regions is
AAA Accelerate, which allows you to submit photos of your vehicle’s damage directly from your phone, potentially speeding up the appraisal process.28
Part 3: The Claims Playbook – A Step-by-Step Guide from Incident to Resolution
Knowing who to call is the first step.
Knowing what to do next provides confidence and control.
This playbook walks you through the entire claims journey, from the chaotic moments after an incident to the final resolution.
The First 60 Minutes: Your Post-Incident Checklist
What you do immediately after an accident can have a significant impact on your claim.
Stay calm and follow this checklist.
- Safety First: Before anything else, assess the situation. If your vehicle is in a dangerous spot, move it to the shoulder or a safe location if possible. Check on all drivers and passengers. If there are any injuries or significant damage, call 911 immediately.24
- Information is Power: Do not leave the scene without gathering the essentials from the other party. Use your phone to take a picture of their driver’s license, insurance card, and license plate. This ensures you have their name, contact information, insurance company, and policy number.25
- Document Everything: Your phone is your best tool. Take wide shots of the accident scene, including road signs and traffic signals. Take multiple, detailed photos of the damage to all vehicles involved. The more photos, the better.29
- Witnesses and Police: If there are witnesses, politely ask for their names and phone numbers. If the police respond, get the officer’s name, badge number, and the police report number. A police report is an authoritative, third-party account of the incident and can be vital evidence for your claim.31
Making First Contact: Initiating Your Claim
When you are in a safe place, it’s time to report the incident.
- Be Prepared: Before you call or log in, gather your documents: your policy number, the police report number, and all the information you collected at the scene.25
- What to Expect: During the initial report, you will provide the basic facts: when and where the incident occurred, who was involved, and a description of what happened. You will be assigned a claim number. This number is the unique identifier for your case; write it down and keep it handy for all future communications. Shortly after, a claims service representative, often called an adjuster, will be assigned to your case.25
The Investigation Phase: Working with Your Adjuster
The claims adjuster is the person who will guide your claim through the system.
- The Adjuster’s Role: The adjuster’s job is to investigate the facts of the loss, review police reports and witness statements, examine the damage, and determine who is at fault (this is called determining liability). Based on this investigation, they will assess the value of the damages according to the terms of your policy and applicable state laws.25 It is important to remember that the adjuster works for the insurance company, and their primary goal is to resolve the claim according to the contract you both signed.14
- Your Communication Strategy: Be honest, factual, and prompt in your communications. Provide all the documentation you collected. It is often wise to stick to the facts and avoid speculating about fault or minimizing any potential injuries. Many legal experts recommend communicating with your adjuster via email whenever possible, as this creates a written record of your conversations.33
The Path to Repair: From Appraisal to Getting Back on the Road
Once liability is determined, the focus shifts to repairing your vehicle.
- The Appraisal: An appraiser (who may or may not be your primary adjuster) will evaluate your vehicle’s damage to write a detailed repair estimate.30
- Choosing a Repair Shop: You have the legal right to have your vehicle repaired at any shop of your choice. Your insurer cannot force you to use a specific facility. However, AAA often has a network of “Member Preferred” or “Direct Repair Program” shops. Using one of these shops can streamline the process, as they have a working relationship with the insurer, and payment may be sent directly to them. At these shops, AAA may also guarantee the repairs for the life of the vehicle.30
- Your Deductible: The deductible is the portion of the repair cost that you are responsible for paying. You will pay this amount directly to the repair shop when you pick up your vehicle.
- Rental Car: If your policy includes rental reimbursement coverage, your adjuster will authorize and assist you in setting up a rental car to use while your vehicle is in the shop.25
Claim Closure and Beyond: Subrogation
The final steps wrap up the financial aspects of the claim.
- Closing the File: Once all repairs are complete and payments have been issued, your claims representative will formally close your claim file.25
- Understanding Subrogation: This is a term you might hear, and it’s important. If the accident was not your fault, your insurance company has the right to “subrogate,” which means they will seek reimbursement for the money they paid out from the at-fault party’s insurance company. This process also includes recovering the deductible you paid. If they are successful, you will receive a refund check for your deductible. This can sometimes take several months, but the insurer handles the entire process on your behalf.25
Your Roadmap to Peace of Mind
That rainy Tuesday was a masterclass in frustration, but it led me to a place of clarity.
The feeling of being lost in a corporate maze was replaced by the confidence that comes from understanding the system.
The secret wasn’t finding a single magic phone number; it was learning how to read the map.
The solution is a simple, three-part strategy that you now possess:
- Identify: Look past the logo on your membership card and find the true name of your insurer on your policy documents.
- Contact: Use the curated directory in this guide to call that specific company directly, bypassing the front-line confusion.
- Navigate: Follow the claims playbook step-by-step, moving through the process with the knowledge of what to expect and what to do.
I hope you never need this guide.
But accidents happen.
My advice is to take five minutes right now, before you ever need it.
Find your insurance declaration page, identify your underwriter, and save their specific claims number in your phone’s contacts.
Turn a future moment of crisis into a simple, manageable task.
You now have the map.
You’re ready for the journey.
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