8. Personal property which is damaged or destroyed;
9. Any liability for injuries or property damage;
10. The commission or attempted commission of an illegal act;
11. The cost of repairs to the vehicle;
12. Cost of fuel expenses;
13. Air and/or sea travel;
14. Carrier-caused delays;
15. Participation in professional athletic events or motor competition
(including training);
16. The cost of meals, Accommodations and Substitute
Transportation resulting from delays caused by routine
maintenance or minor repairs to the Vehicle.
In cases where the Covered Person rents a Vehicle for Covered Travel
and the Vehicle is disabled or stolen, the Covered Person must make
immediate contact with the rental company after the disablement or
theft occurs to arrange replacement of the Vehicle. If such contact is not
attempted, the Covered Person will not be reimbursed for any expenses
incurred as a result of the delay.
Rental car expenses incurred by the Covered Person to continue the
trip will be reimbursed only if the Covered Person rents a Vehicle of
comparable or lesser class. Rentals of expensive or exotic automobiles
are excluded. Examples of such automobiles include Aston-Martin,
Bentley, Ferrari, Lamborghini, Lotus, Maserati, and Rolls-Royce.
Substitute Transportation expenses on common carrier transportation
will be reimbursed for economy fare only.
Trip Interruption coverage is in excess of other insurance or indemnity
covering the losses covered under this program. Expenses after 96
hours from the initial delay are not covered.
General Program Provisions
This guide to the benefit and assistance services is not a policy or
contract of insurance, but is your most complete source of information.
Please be sure to keep it in a safe place.
All information in this document is subject to the terms and conditions of
the Master Policy, a copy of which is in the possession of AAA Reading-
Berks. The terms and conditions of the Master Policy agree with the
terms outlined in this guide to coverage. However, features and benefits
are subject to change without notice.
The Covered Person agrees to use diligence in doing all things reason-
ably prudent to avoid or diminish any loss. We will not unreasonably
apply this provision to avoid claims hereunder.
TRAVEL ASSISTANCE
While on your Covered Travel, make your vacation more memorable or
get help with common travel problems:
Concierge
• Restaurant and spa recommendations and services
• Event tickets
• Pre-trip assistance and tour information
• Flower/gift arrangements
• Business services
• Golf tee-time information
24 Hour Global Travel Emergency Assistance
• Medical referrals
• Emergency message center
• Lost tickets and baggage
• Emergency airline/hotel reservations
• Legal referrals
• Money transfers
How To File A Claim
Please gather the information below if you have a covered loss during
your Covered Travel as it will be requested when you file a claim upon
returning home. All claims must be reported to AGA Service
Company within 60 days from the date of loss or as soon after that
date as is reasonably possible.
Once you report a claim, the Service Associate will set up a claim file
for you and send you a claim form. You must send written proof of loss,
including any required information necessary to support the claim, to
AGA Service Company within 90 days from the date of loss, or as soon
after that date as reasonably possible, and in no event, except in the
absence of legal capacity, later than one year from the time proof is
otherwise required.
General Documentation:
1. Receipts and itemized bills for all expenses (such as itemized food
and lodging receipts);
2. Evidence of accident/theft (i.e. original police report);
3. Copy of payment for automobile repairs;
4. Rental car receipts;
5. Common carrier receipts.
Schedule of coverage
Benefits (per trip) Limit
Trip Interruption $1,500
Concierge Included
24 Hour Global Travel Emergency Assistance Included
Trip Interruption Group Insurance Benefit
AAA Premier
®
Trip Interruption benefit provides members greater
peace of mind when on trips of 100 driving miles or more from home. If
your trip is delayed due to an Accident, mechanical breakdown, car
theft, unexpected Illness or Injury, natural disasters or severe weather,
you can be reimbursed up to $1500 for covered out-of-pocket
expenses, including meals and Accommodations; and/or Substitute
Transportation to continue your trip.
The AAA Reading-Berks AAA Premier Trip Interruption group insurance
benefit and assistance services is provided to all AAA Premier
members as long as the Master Policy with BCS Insurance Company
remains in force.
The benefit is subject to the following conditions and exclusions:
Trip Interruption Coverage
What is Covered
Covered Persons on Covered Travel are reimbursed up to $1500 per
trip for out-of-pocket expenses for the cost of reasonable additional
Accommodations and meal expenses or the cost of Substitute
Transportation to continue the trip, incurred as a result of overnight
covered trip delay. Only expenses for the first 96 hours from the initial
delay are eligible for coverage. The coverage only extends to Covered
Travel in the United States and Canada. The covered reasons for delay
are:
1. Vehicle disablement due to mechanical failure (excluding tire
trouble) or an accident that renders the Vehicle inoperable at least
overnight;
2. Theft of a Vehicle;
3. Unexpected illness or injury requiring the Covered Person to
receive treatment by a Physician who advises delay of the trip;
4. Natural disasters; or
5. Severe storms or unusual weather phenomena validated by
National Weather Service records.
What is Not Covered
Benefits are not payable for travel which does not meet the
definition of Covered Travel, and for any loss, injury, illness, delays and/
or expenses due to:
1. War (whether declared or undeclared), acts of war, military duty,
or hostilities of any kind (for example, invasion, rebellion, riots, or
insurrections);
2. Tire trouble;
3. Intentionally self-inflicted harm, including suicide;
4. Normal pregnancy or childbirth;
5. Mental or nervous health disorders;
6. Alcohol or substance abuse, or related illnesses;
7. An Accident occurring when the Vehicle is being driven by an
unlicensed driver or a driver who is not a Covered Person;
AAA Premier Toll Free Number: 1-800-390-4339
AAA Premier Membership Covered Services and Limitations
Definitions
“AAA Premier Member” means AAA Reading-Berks AAA Premier
Member, AAA Premier adult associate or AAA Premier dependent
associate in good standing.
“Accident” means an unexpected, unintended unforeseeable event
causing injury or property damage.
“Accommodations” means temporary lodging in an establishment
licensed to provide temporary lodging to paying guests.
“Covered Person” means a AAA Premier Member whose Primary
Residence is in the United States and his/her Immediate Family
Members traveling in the same Vehicle during Covered Travel.
“Covered Travel” means a planned leisure automobile trip in the
Covered Person’s Vehicle which has taken the Covered Person at least
one hundred (100) driving miles from his or her Primary Residence
when the incident occurs; which was intended to include at least one
overnight stay within the United States or Canada; and which does not
exceed, and was not planned to exceed, forty-five (45) consecutive
days.
Please note: the Covered Person must be at least 100 driving miles
from the AAA Premier Member’s Primary Residence when the
incident occurs in order to be eligible for the benefits.
“Family Member” means your spouse; parent; child(ren); including
children who are or are in the process of becoming adopted; sibling;
grandparent or grandchild(ren); step-parent; step-child; or step-sibling;
in-laws (parent, son, daughter, brother or sister); aunt; uncle; niece; or
nephew.
“Illness” means a sickness, infirmity or disease that causes a loss that
begins during Covered Travel.
“Immediate Family Member” means the AAA Premier Member’s
spouse and/or unmarried dependent children age 21 or under, including
stepchildren and legally adopted children. A grandparent traveling with
his or her grandchild who is a AAA Premier dependent associate is also
considered an Immediate Family Member.
“Injury” means bodily Injury caused by an Accident, directly and
independently of all other causes and sustained during Covered Travel.
Benefits for Injury will not be paid for any loss caused by sickness or
other bodily diseases or infirmity.
“Physician” means a person who is licensed and legally entitled to
practice medicine and who is not a Covered Person or an Immediate
Family Member of, nor related to, a Covered Person.
Car Rental Reimbursement
Reimbursement of one day car rental (up to full size). Coverage applies
when your vehicle is inoperable in conjunction with a non-collision
covered towing event. The AAA Premier Member has up to 48 hours
from the time of the tow to make arrangements to secure a rental car.
AAA Premier Members are responsible for subsequent days’ rental
charges, upgrades, vehicle insurance, mileage and fuel charges, and
any other charges, fees and taxes. Normal rental qualifications,
including age restrictions, and other restrictions apply. Reimbursement
requests must be accompanied by the original receipt and be submitted
within 90 days of the towing incident.
*Car rental reimbursement cannot be used in conjunction with a 2-day or more
car rental.
Travel Store Discount
AAA Premier Members save 10% on all AAA Reading-Berks travel
store merchandise in addition to special member pricing. Our AAA
Travel Store is filled with products every traveler needs including
luggage, travel guides and maps, and car accessories
The 10% AAA Premier merchandise discount is not valid when paying AAA
Membership dues or purchasing AAA Travel Money products, attraction tickets
or gift cards. AAA Premier discount cannot be combined with other coupons or
discount offers.
Travel Agency Fee Waiver
As a AAA Premier Member, when you book your travel through AAA,
we will waive all the AAA Reading-Berks Travel Agency processing
fees.
Passport Photos
AAA Reading-Berks Premier Members receive a free set of passport
photos each membership year.
Free Hertz #1 Club Gold Membership
AAA Premier Members are entitled to a one-year complimentary
membership in Hertz #1 Club Gold. To receive your free membership in
Hertz #1 Club Gold, just visit AAA.com/Premier to enroll.
Theft Reward
AAA will pay a $2500 reward for information leading to the arrest and
conviction of anyone stealing a car owned by you. All information must
be reported to the police and entered on an official police report. This is
not payable to the owner of the stolen car or member of any law en-
forcement agency.
Free Notarization Service
Notarization of documents fee waived.
*Excludes title transactions. Premier Notary Limit: 15 per membership calendar
year
“Primary Residence” means AAA Premier Member’s billing address
which is recognized by AAA Reading-Berks, and which must be in the
United States.
“Substitute Transportation” means any form of common carrier
transportation (i.e., licensed for the transportation of fare-paying
passengers, with the exclusion of taxis and limousines) and/or a rental
car of equal or lesser vehicle class to the Vehicle. Expensive or exotic
automobiles are excluded under this definition.
“Vehicle” means any two-axle motor vehicle designated for private use
for travel on paved public roads in which the Covered Person is either
driving or riding as a passenger. Moving vans are excluded.
“We, Us, or Our” refers to BCS Insurance Company and its agents.
*Insurance coverage is underwritten by BCS Insurance Company under a
Form No. 50.233B. AGA Service Company is the licensed producer and
administrator for this plan.
Covered Services and Limitations
While the additional benefits of AAA Premier
®
Membership provide
higher levels of coverage and service, they are subject to certain
exclusions and limitations. Please take time to read through the
following information so you have a complete understanding of your
benefits and conditions for using them.
Premier dues provides benefits to the entire family. All members in the
household must have Plus coverage prior to upgrading to Premier.
Extended Towing Mileage Up to 200 Miles*
AAA Premier Members can use one of their four roadside assistance
calls on a tow of up to 200 miles to ensure that you get your car back
where you want it. You can be towed up to 100 miles on all your
remaining calls.
*7-day waiting period required after Premier enrollment for 200 mile tow. One (1)
tow of up to 200 miles per household allowed per year.
Home Lockout Service
If you lock yourself out of the house, AAA will reimburse you up to $150
for locksmith services to gain entry. AAA will cover the cost of a
locksmith and/or the cost of replacing the locks if they are damaged to
gain entry into the house.
One (1) home locksmith per household per year.
Lock & Key Service
If your keys are locked inside the vehicle, service will be sent to gain
entry. If your keys are lost, broken or the service provider cannot gain
entry to your vehicle, reimbursement for commercial locksmith service
up to $150 will be provided for Premier Members for parts and labor to
make vehicle operable.
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AAA Premier Toll Free Number: 1-800-390-4339
AAA Premier Membership Covered Services and Limitations
