AAA Mid-Atlantic Injury Claims

AAA Mid-Atlantic has evolved into a comprehensive service provider that goes far beyond roadside assistance. With over a century of service and nearly four million members across Maryland, Delaware, Pennsylvania, New Jersey, Virginia, and Washington, D.C., AAA offers an impressive range of services. These include auto and homeowners insurance, banking, loans, and travel planning. A subsidiary of the national AAA Federation, Keystone Insurance Company operates under the AAA Mid-Atlantic umbrella, expanding its insurance footprint in the region.

As of 2025, AAA has made significant strides in modernizing its offerings, especially through digital platforms. Members can now manage claims, pay bills, and request roadside service through a mobile app and website portal. Online tools for comparing insurance quotes, renewing vehicle registrations, and scheduling car maintenance appointments have become standard.

Insurance Services and Member Benefits

AAA Mid-Atlantic continues to be known for its well-rounded membership benefits. These include:

• Emergency roadside assistance with towing up to 5 miles
• Battery testing and replacement services
• Trip interruption and travel reimbursement coverage
• Comprehensive identity theft monitoring
• Access to local travel agents and vacation planning assistance
• Discounts on hotels, restaurants, and retail purchases
• Bicycle breakdown assistance
• Vehicle research tools and safety reports

AAA Car Care Insurance Travel Centers are located throughout Maryland in Annapolis, Gambrills, Brandywine, Columbia, Frederick, Gaithersburg, Glen Burnie, Rockville, Towson, and White Marsh. These centers provide a wide range of services, including diagnostics, tire repair and sales, oil changes, brake services, air conditioning repair, and auto glass replacement. Most locations also offer Maryland State Inspections and DMV tag and title renewal services.

Verdicts and Settlements Involving AAA Mid-Atlantic

In the last two decades, AAA Mid-Atlantic has resolved a wide range of claims through both settlements and trial verdicts. A consistent pattern has emerged: when the potential exposure is high, particularly in cases involving serious injury, AAA tends to settle rather than risk a large jury award. This section expands on key case outcomes involving AAA Mid-Atlantic through 2025, highlighting how the company has handled its litigation strategy and where plaintiffs have seen meaningful recoveries.

• 2023, Maryland: $260,000 Settlement. A woman is rear-ended at a stoplight by a distracted driver who was using a mobile device. She suffers significant spinal trauma, including multiple herniated discs, ultimately requiring lumbar fusion surgery. After exhausting the at-fault driver’s $100,000 policy, she files a UIM claim against her own insurer, AAA Mid-Atlantic. Initially disputing the extent of her injuries, AAA eventually agrees to pay an additional $160,000. The settlement reflects both economic damages and the projected cost of future medical care, as well as compensation for pain and suffering.
• 2022, Pennsylvania: $85,000 Verdict. A 61-year-old pedestrian is legally crossing at a marked intersection when struck by an AAA-insured driver making a left turn. He sustains a fractured tibia and requires surgical intervention and months of physical therapy. AAA contests liability, arguing the pedestrian entered the intersection too late and bore partial responsibility. The jury assigns 20% comparative negligence to the pedestrian but still awards $85,000. The net verdict reflects partial reduction due to fault allocation, but it signals jurors’ willingness to hold drivers accountable even when contributory negligence is raised. If this was a Maryland case, the same finding would be zero because of Maryland’s contributory negligence law.
• 2020, Virginia: $110,000 Settlement. In a T-bone crash at a rural intersection, the plaintiff sustains broken ribs, a concussion, and soft tissue neck injuries. The at-fault driver’s insurer pays policy limits of $50,000, prompting the plaintiff to pursue UIM benefits from AAA. The insurer disputes the necessity of continued treatment and downplays the head trauma. Before trial, AAA offers $110,000, resolving the matter through mediation. The plaintiff avoids the uncertainty of litigation while securing compensation for both past medical bills and long-term symptoms.
• 2019, New Jersey: $72,000 Settlement. After a minor collision, the plaintiff experiences delayed-onset neck and back pain. Despite multiple physician visits and imaging studies confirming disc protrusions, AAA delays coverage under the PIP policy. The plaintiff files suit for breach of contract and unreasonable claims handling. Faced with unfavorable discovery results, AAA reverses course and agrees to settle for $72,000, which includes attorneys’ fees and interest. The case illustrates how pressure through litigation can shift insurer behavior, especially where internal claim documentation reflects unjustified denials.
• 2018, Delaware: $180,000 Settlement. A teenage bicyclist is struck by a car making a left turn across traffic. The teen suffers a fractured femur, knee dislocation, and permanent scarring that results in a limp. The at-fault driver tenders policy limits, and a UIM claim is submitted to AAA. The insurer argues the injuries are likely to heal without long-term impact. As trial nears, AAA increases its offer and settles for $180,000, avoiding testimony from the teen’s orthopedic surgeon and life care planner.
• 2016, Pennsylvania: $37,500 Verdict. After losing control on black ice and crashing into a guardrail, the plaintiff brings a UIM claim against AAA, alleging that the at-fault driver failed to reduce speed in icy conditions. AAA argues the accident was caused by an unavoidable weather hazard. The court rejects the “act of God” defense and awards $37,500, finding the defendant’s speed was unsafe given the conditions. The case reflects how the presence of poor weather does not automatically excuse negligent driving.
• 2014, Maryland: $98,000 Settlement. A commercial delivery driver is rear-ended while stopped in traffic. He suffers aggravation of pre-existing back issues, with MRI-confirmed disc degeneration. AAA disputes causation, citing medical records showing chronic conditions. Plaintiff’s expert testifies that the collision caused acute disc herniation requiring epidural injections. The matter resolves in mediation for $98,000. This settlement underscores how even plaintiffs with pre-existing conditions can recover if they show new trauma or symptom exacerbation.
• 2013, New Jersey: $90,000 Settlement. A police officer is rear-ended while returning to his patrol car. He sustains a lumbar disc herniation and is eventually forced into early retirement. The at-fault driver has minimal coverage. AAA initially offers only a fraction of the officer’s wage loss, but agrees to settle the UIM claim for $90,000 the day trial is set to begin. The insurer likely assessed the risk of a sympathetic jury and chose resolution to avoid a potential bad faith claim.
• 2010, Pennsylvania: $9,250 Verdict. A 14-year-old boy riding a skateboard is struck by a side mirror and thrown onto the pavement. He suffers MCL and ACL strains and is placed in a cast. AAA disputes fault, arguing that the child was on the wrong side of the road and obstructed by sun glare. The jury finds the boy 49% at fault, which reduces his damages to $9,250. This is a classic example of how contributory negligence impacts compensation, even in clear injury scenarios.
• 2008, Maryland: $32,940 Verdict. A driver is hit after another motorist swerves to avoid a phantom vehicle. AAA denies UIM coverage, arguing the phantom driver cannot be identified. The court finds sufficient evidence of the phantom vehicle’s involvement and awards damages including medical bills, lost wages, and pain and suffering. AAA is held liable for the UIM portion. This outcome highlights the burden of proving phantom vehicles in uninsured claims.
• 2007, New York: $90,000 Settlement. A woman injured in an intersection collision sustains cervical spine disc derangement. Both drivers involved point fingers, each claiming to have had the green light. To avoid liability exposure, AAA tenders its full $90,000 policy limit without admitting fault. The resolution reflects AAA’s pragmatic approach in disputed-liability cases with clear injury documentation.
• 2004, Pennsylvania: $40,000 Settlement. A 12-year-old riding a bicycle is struck by a speeding car. He suffers hip contusions and a fractured ankle. The driver’s insurer, AAA Mid-Atlantic, pays $15,000. The remaining $25,000 is paid by the boy’s UIM carrier, State Farm. The case resolves without trial, demonstrating how collaborative settlements across insurers can resolve claims involving minors quickly and fairly.
• 2003, New Jersey: $184,000 Settlement. A young woman riding as a passenger in a vehicle is seriously injured when a speeding transit bus crashes into the car. She sustains a femur fracture, orbital fractures, and partial vision loss. A jury assigns 42.5% fault to the bus driver and 57.5% to the vehicle operator, who was insured by AAA. After the liability trial, the damages phase is settled with Transit paying $175,000 and AAA contributing $9,000. This reflects the use of comparative fault allocations to apportion payouts among multiple insurers.
• 2001, Massachusetts: $210,000 Settlement. An 18-year-old student on a bicycle is crossing a street when a taxi stops to allow her to pass. A passing car attempts to overtake the taxi and strikes the girl. She suffers complex fractures of the pelvis and lower leg. AAA initially contests pedestrian status due to her being on a bike. Facing an aggressive litigation posture from the plaintiff’s attorney, AAA agrees to pay the full $210,000 policy limit. This is a reminder that even in gray areas of coverage, risk management often drives settlement.

Six Things to Do to Maximize Your AAA Accident Settlement

Most people want one thing after a car accident: to move on. But that can be difficult when you are dealing with medical bills, missed work, and insurance companies that are in no rush to pay what your claim is worth. If you are filing an auto accident claim with AAA, there are smart things you can do to increase the value of your settlement compensation and avoid leaving money on the table. And that is the biggest risk of not having a lawyer–leaving money on the table.

Here is what you need to know if you want to maximize your AAA settlement.

1. Document Everything, and Do It Early

From the moment the accident happens, start gathering evidence. That means photos of the damage, the scene, your injuries, and anything else that tells the story of what happened. Get a copy of the police report. Save every medical bill, prescription receipt, and time-off record.  Without it, AAA will have every excuse to offer less than your claim deserves.

2. Get Medical Treatment Promptly and Follow Through

Delays in treatment are one of the biggest reasons AAA and other insurers downplay injury claims. If you wait a week to see a doctor, AAA will argue that your injuries were not serious, or that they were caused by something else, and that will get reflected in your settlement offer.  But, ironically, our lawyers think the best way to maximize your settlement payout is to pretend you do not have an accident claim.  Just be a patient.  Follow your provider’s recommendations. Go to your physical therapy appointments. Fill your prescriptions. Your medical records will not only show that you were injured, but also that you took your recovery seriously.

3. Do Not Rush to Settle

AAA may contact you shortly after the accident with a settlement offer. They may even tell you it is the best they can do. It rarely is. Initial offers are almost invariably far below the full value of the claim, especially before you know how serious the injuries will turn out to be. Once you sign a release, you cannot go back and ask for more (at least in most cases), no matter what happens later. Be cautious. A fair settlement should reflect your full medical expenses, your pain and suffering, and your long-term impact, not just your ER bill. If you are in a major rush for whatever reason, sure you can settle quickly.  But you have to understand that you are almost certainly leaving a lot of money on the table.

4. Be Careful What You Say to Adjusters

AAA adjusters may seem friendly, but their job is to minimize payouts. Do not forget this.  You should never assume a recorded phone call is informal. Statements like “I’m feeling better” or “I don’t think I need more treatment” can and will be used against you later. Keep your answers factual. Do not guess. If you are not sure, say that. And if your injuries are still being evaluated, make that clear. Again, having a lawyer go through this process with you protects you against some of this risk.

5. Know the Full Scope of Your Damages

A proper claim includes more than just your hospital bill. Think about future medical care. Will you need physical therapy? Injections? Surgery? Have you missed work? Will you miss more? Do you have lasting pain, anxiety, or limitations in your daily life? These are all valid elements of a personal injury claim. The more clearly you can present them, the more accurately your claim can be valued.

6. Consider Getting a Lawyer

There is a reason insurance companies are quicker to resolve claims when an experienced personal injury attorney is involved. A lawyer can calculate your full damages, handle all communications with AAA, and negotiate from a position of strength. Most importantly, a lawyer will recognize when a settlement offer is too low, and will know how to respond. If your case is denied, delayed, or undervalued, legal help can make the difference between frustration and resolution.

Are there cases where you do not need a lawyer, and you will put more money in your pocket, avoiding that 33% attorneys’ fee?  Absolutely.  But if you have a real injury claim, having a lawyer could exponentially increase your offer.  We are always telling clients that our ability to help you get significantly higher compensation is directly related to the severity of your injuries.

Common Mistakes That Delay AAA Accident Claims

Many people assume that filing an accident claim with AAA is a simple and straightforward process. In many cases, it is. But delays happen more often than you might think, and they are often the result of mistakes that could have been avoided. Whether you are dealing with property damage, personal injury, or both, avoiding these common missteps can help ensure your AAA accident claim moves forward without unnecessary setbacks.

1. Waiting Too Long to Report the Accident

One of the most frequent causes of delay is failing to notify AAA promptly after an accident. The longer you wait, the more questions AAA may have about how the crash occurred, and the harder it becomes to gather supporting evidence. Some policyholders assume they can wait until after they have spoken to the other driver, seen a doctor, or gotten an estimate. That delay can complicate the claims process, especially if liability is contested. AAA expects reasonably timely notice, and so does the law.

2. Misplacing or Failing to Record Your Claim Number

Once you initiate your claim, AAA will assign a claim reference number. This number is critical. Every call, every email, every document you submit should include it. Unfortunately, many claimants forget to write it down, lose the original email or letter, or confuse it with another reference number from a different provider. Without the correct AAA accident claim number, there may be confusion or duplication in your file, which can slow down the process. Keep the claim number accessible and use it consistently.

3. Sending Documentation to the Wrong Address

This is another one of those unforced errors that can slow you down.  AAA has multiple regional offices and processing centers. Mailing accident-related forms, medical records, or estimates to the wrong place is a surefire way to create a delay. If you are mailing anything to AAA, you need to verify the correct AAA auto claims mailing address. This is especially important if you are dealing with a regional office like AAA Atlantic City or another Mid-Atlantic branch. Do not rely on outdated paperwork or online guesses. Always confirm the mailing address directly through AAA or in your claims correspondence.

4. Allowing a Repair Shop to Handle Communication Without Oversight

It is common for vehicle repair shops to deal directly with insurance companies, including AAA, to handle estimates and repairs. That may sound convenient, but handing off communication without staying informed is a mistake. If the shop misses something, delays paperwork, or fails to respond to a question from AAA, your claim may stall, and you may not even be aware of it. You are still the claimant, and it is your responsibility to keep the process on track. Check in regularly with both AAA and the shop to avoid unnecessary hold-ups.

5. Waiting Too Long to Speak With an Attorney

Many people try to handle AAA auto accident claims on their own, especially in minor crashes. That is understandable. But when the injuries are more serious, when medical bills start to pile up, or when AAA begins pushing back on liability or coverage, you need to consider involving legal counsel. Waiting too long to speak with an attorney can limit your options and give AAA too much control over how the claim develops. A lawyer can help you avoid documentation errors, deal with unreasonable delays, and negotiate from a stronger position. In many cases, legal representation makes the difference between a fair settlement and a frustrating, drawn-out battle.

Filing an AAA Accident Claim in 2025

After an auto accident, knowing how to start the claims process with AAA can make all the difference between moving the ball forward and let the thing drag out.

If you are a policyholder with AAA Mid-Atlantic, the first step is to report the crash and request assistance.  Whether you are dealing with a minor fender bender or a serious collision, AAA accident assist services are available 24/7 to help you navigate the next steps. Should you do this without a lawyer involved?  That is very dependent on the situation.  If you have serious injuries, your first step should be to call a lawyer.

If you choose to call AAA Insurance directly, call (800) 207-3618 to initiate your AAA accident claim. This number connects you to claims intake where you can request your official AAA accident claim number and get instructions specific to your coverage. Having your insurance information ready when calling.

Most claims fall under either liability or AAA auto insurance accident claim categories. Depending on the situation, you may need to confirm your AAA accident insurance coverage limits or inquire about uninsured/underinsured motorist benefits. This is especially important in multi-vehicle collisions or if you were hit by a driver with insufficient coverage. If you are mailing documentation, you should also confirm the correct AAA auto claims mailing address or ask a representative when you call.

Drivers who need follow-up should save the AAA auto accident claim phone number in their contacts and use their claim number for reference. In some regions, AAA claims may be processed through a regional office, so be prepared to verify your location when speaking with a claims rep.

If you experience a delay, denial, or low settlement offer, it may be time to consult with a personal injury attorney. Our law firm regularly handles AAA accident claims, and we can help you deal with stalled negotiations or coverage disputes. We are familiar with how the process works and what documentation AAA typically requires to move a case forward. Do we handle smaller injury claims?  Sometimes.  But we often sent out smaller cases to a partner firm and let them handle the legwork. But we do stay involved and the Miller & Zois name does increase settlement payouts.

For help with an AAA auto insurance claim, or to review your legal options, contact us today. We can make sure your claim is handled correctly and fight for the full compensation you are owed.

Contact AAA Mid-Atlantic Insurance

If you need to reach AAA Mid-Atlantic to file a claim or discuss your policy, you can contact them at:

AAA Mid-Atlantic
One River Place
Wilmington, Delaware 19801
Phone Number:  800-207-3618

Need Legal Help With an AAA Mid-Atlantic Claim?

The attorneys at Miller & Zois have years of experience handling car accident and insurance claims involving AAA Mid-Atlantic. Whether you are facing a denied claim, an underinsured motorist dispute, or bad faith conduct, our lawyers can help you get the compensation you deserve. Contact us for a free consultation at 800-553-8082 or online here.

More Resources

• How to Negotiate With Insurers
• Car Accident Claim FAQs
• Should You Handle Your Own Case?
• How Much Is Your Case Worth?
• Lost Wages After an Accident