Membership - AAA Western & Central New York
Membership - AAA Western & Central New York
Membership - AAA Western & Central New York
You also want an ePaper? Increase the reach of your titles
YUMPU automatically turns print PDFs into web optimized ePapers that Google loves.
<strong>Membership</strong><br />
“ <strong>AAA</strong> is the smart<br />
choice for us.”<br />
ANNETTE & SOPHIE<br />
HERMAN<br />
<strong>AAA</strong> MEMBERS<br />
MEMBERSHIP<br />
BENEFITS GUIDE<br />
• ROADSIDE ASSISTANCE<br />
• INSURANCE<br />
• TRAVEL PLANNING<br />
• FINANCIAL SERVICES<br />
• MEMBER SAVINGS<br />
• <strong>AAA</strong>.COM
Dear Member,<br />
As a <strong>AAA</strong> member, you belong to one of the largest<br />
membership organizations in the world. <strong>AAA</strong> has served<br />
members since 1900, and our number-one priority continues<br />
to be high-quality, personal service. Today, there are more<br />
than 51 million members served at over 1,100 Travel and<br />
Insurance Centers in the United States and Canada.<br />
There’s more value in <strong>AAA</strong> membership than you<br />
ever imagined! Take advantage of everything that<br />
<strong>AAA</strong> membership has to offer. <strong>Membership</strong> provides<br />
automotive and emergency services, complete travel<br />
planning, top-quality financial services, Show Your Card &<br />
Save ® discounts and Home, Auto, and Life Insurance. <strong>AAA</strong><br />
gives you protection, convenience and savings when you<br />
are driving, traveling far away or close to home.<br />
The <strong>AAA</strong> Member Benefit Guide is intended to help<br />
you take full advantage of your membership. Read it over,<br />
then keep it handy for easy reference any time you have a<br />
question about your benefits.<br />
Thank you for the opportunity to serve you in the years<br />
ahead.<br />
<strong>AAA</strong> <strong>Western</strong> and <strong>Central</strong> <strong>New</strong> <strong>York</strong><br />
VISIT: YOUR LOCAL <strong>AAA</strong> | CALL: 1-800-836-CLUB | CLICK: <strong>AAA</strong>.COM<br />
2<br />
Welcome
Benefit Guide<br />
<strong>Membership</strong> .......................................................5<br />
•<strong>Membership</strong> Overview<br />
• Additional Coverage Levels<br />
• <strong>Membership</strong> Benefits<br />
<strong>AAA</strong> Car Care Plus ® ..........................................11<br />
Roadside Assistance Services .........................13<br />
• Policies and Procedures<br />
TripTiks ® , TourBooks ® , & Maps ...........................18<br />
• Auto Travel Services<br />
Travel Agency ...................................................20<br />
• Products and Policies<br />
<strong>AAA</strong>.com ..........................................................24<br />
• Online Travel Planning<br />
• Manage Your Own <strong>AAA</strong> <strong>Membership</strong><br />
• Internet TripTik ®<br />
Driver Training....................................................25<br />
• Driver Improvement Program<br />
• 5-Hour Pre-Licensing Course<br />
• <strong>AAA</strong> Driving Academy<br />
• Driving Programs for Seniors<br />
Insurance ..........................................................27<br />
• Automotive Insurance<br />
• Homeowners Insurance<br />
• Life Insurance<br />
• Benefits of <strong>AAA</strong> Insurance<br />
Financial ...........................................................30<br />
• Financial Services<br />
• <strong>AAA</strong> Visa ® Credit Card<br />
Savings & Benefits ............................................32<br />
• Show Your Card & Save ®<br />
• Discount Tickets for Movies, Car Wash and<br />
Amusement Parks<br />
• <strong>AAA</strong> Travel Store<br />
The <strong>AAA</strong> Promise ..............................................37<br />
Privacy Notice ...................................................38<br />
3
EMERGENCY ROAD SERVICE<br />
1-800-222-4357 (1-800-<strong>AAA</strong>-HELP)<br />
4<br />
Phone Numbers<br />
MEMBER SERVICE CENTER<br />
1-800-836-CLUB (2582)<br />
TRAVEL<br />
1-800-937-1222<br />
TTY NUMBER<br />
315-451-5020<br />
Dial 711 for <strong>New</strong> <strong>York</strong><br />
State Relay Service
<strong>Membership</strong><br />
Your <strong>AAA</strong> membership not only provides<br />
peace of mind in the event of a breakdown<br />
but also serves as your special passport to<br />
valuable benefits, services and discounts.<br />
Read on to find out why more than 51 million<br />
members nationwide choose <strong>AAA</strong>.<br />
Your Basic <strong>Membership</strong><br />
Your membership doesn’t just cover one car. Your membership<br />
covers you, in any vehicle you are driving or a passenger in that<br />
becomes disabled. See page 13 for eligible vehicles.<br />
You should carry your card with you at all times. The first person in<br />
a household who joins the Club is referred to as the Primary Member.<br />
Other members in your household are not eligible to use your card,<br />
but they can be added to your membership at a discounted Associate<br />
Member rate. A separate membership card will be issued for each<br />
person. Associate Members must carry the same coverage, either Basic,<br />
Plus/RV ® or Premier/RV ® , as the Primary Member.<br />
Here are just a few of the benefits<br />
that all <strong>AAA</strong> members receive:<br />
• Discounts on Home, Auto<br />
and Life Insurance<br />
• Full-service Travel Agency<br />
• 24-Hour Emergency<br />
Roadside Assistance<br />
• Free TripTiks ® , TourBooks ® ,<br />
and maps<br />
• <strong>AAA</strong> Worldpoints ®<br />
Visa ® Card<br />
• Discounted movie tickets and car<br />
wash tickets<br />
• Member Savings through the Show<br />
Your Card & Save ® program<br />
• Driver programs for teens and adults<br />
• <strong>AAA</strong>.com<br />
• <strong>AAA</strong> Approved Auto Repair<br />
• <strong>AAA</strong> Car Care Plus ®<br />
5
6<br />
<strong>Membership</strong><br />
Adding Extended Benefits<br />
Members are eligible to upgrade to <strong>AAA</strong> Plus/RV ® and/or <strong>AAA</strong><br />
Premier/RV ® offering enhanced benefits. See below for a comparison.<br />
Emergency Road Service benefits become available 10 days after your<br />
membership upgrade occurs.<br />
<strong>AAA</strong> Basic ® Benefits<br />
Sets the standard in Roadside Assistance<br />
Towing - Free tow back to <strong>AAA</strong> facility that<br />
comes to your rescue, the closest <strong>AAA</strong> Auto<br />
Repair facility, or up to five miles elsewhere.<br />
Tire Change - Vehicle’s inflated spare<br />
will be installed; dual wheels excluded.<br />
Locksmith Service - Coverage or reimbursement of locksmith<br />
services up to $50 to gain entry or replace broken or missing keys.<br />
Battery Service - An attempt will be made to start your vehicle.<br />
Extrication/Winching - One service vehicle and driver will extricate<br />
your vehicle when it can be safely reached from a normally traveled<br />
road or established thoroughfare.<br />
Fuel Delivery - Delivery of sufficient fuel (at pump prices) to reach<br />
the nearest facility.<br />
Trip Interruption - None.<br />
Free Hertz #1 Club Gold <strong>Membership</strong> - Enjoy all the benefits of<br />
Hertz Gold services free, PLUS get 600 Hertz Gold Plus Rewards Bonus<br />
points after the first Gold rental, enough for One Free Rental Day!<br />
(See details on page 9)<br />
<strong>AAA</strong> Plus/RV ® Benefits<br />
Our most popular membership<br />
<strong>AAA</strong> Plus/RV ® includes all of the above plus…<br />
Towing - Up to 100 miles anywhere.<br />
Tire Change - Same as Basic <strong>Membership</strong>;<br />
dual-wheeled recreational vehicles will<br />
be serviced.<br />
Locksmith Service - Coverage or reimbursement of locksmith services<br />
up to $100 to gain entry, replace broken or missing keys or make the<br />
vehicle operable.<br />
Battery Service - An attempt will be made to start your vehicle.<br />
Extrication/Winching - Second service vehicle and driver for one hour.<br />
Fuel Delivery - Delivery of sufficient fuel (at no charge) to reach the<br />
nearest facility.<br />
Trip Interruption - Protection up to $350. (See details on page 8)<br />
Free Hertz #1 Club Gold <strong>Membership</strong> - Same as Basic <strong>Membership</strong>.<br />
(See details on page 9)
<strong>Membership</strong><br />
<strong>AAA</strong> Premier/RV ® Benefits<br />
For the most personal service<br />
<strong>AAA</strong> Premier/RV ® includes all of the above plus…<br />
Towing - Up to 200 miles towing on one of<br />
four allowable service calls per year. 100 miles<br />
of towing still applies on the remaining three<br />
allowable calls per year.<br />
Complimentary Rental Car - Standard-class rental available for one<br />
day at no charge if member’s vehicle is towed in the <strong>Western</strong> & <strong>Central</strong><br />
<strong>New</strong> <strong>York</strong> area on one of the four allowable service calls per year and<br />
transportation is needed. (See details on page 8).<br />
Trip Interruption - Protection up to $1000. (See details on page 8)<br />
Same rules and regulations apply to both <strong>AAA</strong> Plus/RV ® and <strong>AAA</strong><br />
Premier/RV ® Trip Interruption.<br />
Fee Free Travel Planning and Booking - <strong>AAA</strong> Travel Experts will<br />
book your flights, cruises, or tour packages – as well as provide all kinds<br />
of travel advice – with no service fees charged to Premier members. This<br />
can save you $25 - $50 with every booking!<br />
Free Hertz #1 Club Gold <strong>Membership</strong> - Enjoy all the benefits of<br />
Hertz Gold services free, PLUS <strong>AAA</strong> Premier ® members get 1,000 Hertz<br />
Gold Plus Rewards Bonus points after the first Gold rental, enough for<br />
Two Free Weekend Rental Days! (See details on page 9)<br />
Concierge Travel Services - Exclusive toll-free number at<br />
1-888-222-3666 for services such as: en-route travel directions,<br />
sporting/theater/dinner tickets and reservations, free international maps<br />
and guidebooks, golf tee times and reservations, and more...<br />
Used Car History Info - Receive up to two free vehicle history<br />
“Car Fax” reports annually.<br />
Accident Assist - Help contacting family members, locating<br />
accommodations/restaurants out of town following an accident<br />
or breakdown.<br />
Discounts - Periodic discounts available in our <strong>AAA</strong> Travel Store, <strong>AAA</strong><br />
Driving Academy and classes, extended automobile warranties, special<br />
travel packages, and more...<br />
Mechanical Questions - ASE-certified personnel available to answer<br />
questions on performance, diagnosis of problems and to verify or<br />
estimate repairs.<br />
The extended coverages of <strong>AAA</strong> Plus/RV ® and <strong>AAA</strong> Premier/RV ® also<br />
include motorcycles, motor homes, and pickup trucks with a camper<br />
and travel trailers - in addition to private passenger cars.<br />
<strong>Membership</strong>s can be updated at any time by calling 1-800-836-CLUB, visiting<br />
any of our Travel and Insurance Centers listed on the back cover or by managing<br />
your own account on <strong>AAA</strong>.com.<br />
Note: <strong>AAA</strong> Plus/RV ® benefits begin ten days after receipt of Plus dues. <strong>AAA</strong> Plus/<br />
RV ® and <strong>AAA</strong> Premier/RV ® service will not be rendered for pre-existing problems.<br />
7
8<br />
<strong>Membership</strong><br />
Trip Interruption Protection - up to $350<br />
In the event an auto trip* is delayed or canceled due to mechanical<br />
disablement, a collision causing disablement or theft of your eligible<br />
vehicle, <strong>AAA</strong> Plus/RV ® provides reimbursement up to $350 for food and<br />
lodging OR a car rental (<strong>AAA</strong> Premier/RV ® allows for reimbursement<br />
allowance of up to $1000). At the member’s option, a rental car can<br />
be secured to continue the trip or return home OR seek temporary<br />
lodging and food while waiting for repairs (NOT BOTH). All coverages<br />
cease upon returning home. Coverage for food and lodging ceases<br />
when vehicle is repaired. Members must provide dated, itemized<br />
receipts and proof of disablement for reimbursement consideration.<br />
Miscellaneous expenses, such as telephone charges and car rental<br />
insurance options, are not covered. One claim allowed per incident.<br />
Delays due to extreme weather conditions are not reimbursable in the<br />
absence of specific mechanical failure. Food/Lodging receipts must be<br />
for establishments in the same vicinity as the breakdown.<br />
Note: <strong>AAA</strong> Plus/RV ® benefits begin ten days after receipt of Plus dues.<br />
* Definition of Trip: Travel beyond 50 miles from permanent and alternate<br />
residence with a qualified disablement involving an overnight delay.<br />
To obtain a Trip Interruption Claim form contact <strong>AAA</strong><br />
Member Services at 1-800-836-2582.<br />
Complimentary 1-Day Rental Car<br />
<strong>AAA</strong> Premier/RV ® provides a local rental car for one day per<br />
membership year in the event of a breakdown within the <strong>Western</strong> &<br />
<strong>Central</strong> <strong>New</strong> <strong>York</strong> area in which transportation is needed. <strong>AAA</strong> Premier/<br />
RV ® members will be required to contact <strong>AAA</strong> WCNY in the event of a<br />
roadside service issue. Upon determination that a vehicle tow is required,<br />
<strong>AAA</strong> WCNY will contact Enterprise and must provide a Corporate Class<br />
ID at the time of reservation for the rental to qualify for the terms of this<br />
agreement.<br />
Liability Protection:<br />
Premier Members will be required to protect themselves, Enterprise<br />
and <strong>AAA</strong> WCNY from liability exposure. Liability will be carried by, and<br />
maintained at the members expense on their personal auto policy or<br />
by purchasing supplemental coverage from Enterprise. The member<br />
assumes full financial responsibility for damage or loss to the rental<br />
vehicle.<br />
In the event that the rental term exceeds one day (portion covered<br />
by <strong>AAA</strong> Premier Program) the member will be responsible for the cost<br />
of the rental for any time period beyond the first day, including all<br />
liability/collision/comprehensive protection.<br />
Vehicles under these terms will be available at any Enterprise<br />
location in <strong>Western</strong> or <strong>Central</strong> <strong>New</strong> <strong>York</strong> during regular business hours.
<strong>Membership</strong><br />
After business hours, reservations may be made in order to acquire a<br />
vehicle immediately at the open of business the next day. Members<br />
may pick up the vehicle at the rental office or may take advantage of<br />
the Enterprise free pick-up service if available.<br />
This offer is available to renters/members ages 25 and up with<br />
a valid credit card in their name. Those under age 25 are subject to<br />
surcharges payable to Enterprise.<br />
Arrangements can also be made directly with Enterprise for renters<br />
who do not possess a credit card in their name.<br />
<strong>AAA</strong> Premier/RV ® will cover the cost of a mid-size vehicle for a period of one<br />
24 hour day. Maximum reimbursement is $45.00. Members may upgrade the<br />
vehicle taken at their own expense. <strong>AAA</strong> is not responsible for Enterprise hours<br />
of operation, locations, inventory or service.<br />
Hertz #1 Club Gold <strong>Membership</strong><br />
<strong>AAA</strong> Member Exclusive:<br />
• Hertz #1 Club Gold is free to all members, a $60 value<br />
• <strong>AAA</strong> members get 600 Hertz Gold Plus Rewards Bonus points, after<br />
the first Gold rental, enough for One Free Rental Day!<br />
• <strong>AAA</strong> Premier ® members get 1,000 Hertz Gold Plus Rewards Bonus<br />
points, after the first Gold rental, enough for Two Free Weekend<br />
Rental Days!<br />
Benefits of Hertz #1 Club Gold <strong>Membership</strong><br />
• Speed and expedited service<br />
• By-pass the rental counter and go straight to your vehicle<br />
• Instant vehicle return<br />
How to enroll<br />
• <strong>AAA</strong> Members can enroll online at www.<strong>AAA</strong>.com/HertzGold.<br />
• <strong>AAA</strong> Members already enrolled in the #1 Club Gold program may<br />
call Hertz at 800-CAR-GOLD and advise that you are a <strong>AAA</strong> Member<br />
entitled to a fee-waived membership. Hertz will verify and authorize<br />
the fee waiver.<br />
Members must enroll using the www.<strong>AAA</strong>.com/HertzGold on<br />
<strong>AAA</strong>.com. Hertz Gold Plus Rewards Bonus Points will be provided to<br />
member’s account up to 4 weeks from the first Gold rental return. Gold<br />
profile and reservation must include your <strong>AAA</strong>/Hertz CDP# 84. Only paid<br />
rentals of $25 or more will qualify for this promotion.<br />
COMPARE MEMBERSHIPS NOW<br />
9
10<br />
<strong>Membership</strong><br />
<strong>Membership</strong> Refund Policy<br />
Members will receive a refund if the membership is canceled within<br />
thirty days of the renewal date or join date. Entrance fees will not be<br />
refunded. If road service, travel, or attraction discounts are used within<br />
thirty days, the cost of service or discount will be deducted from the refund.<br />
Automatic Dues Renewal<br />
Authorize your <strong>AAA</strong> dues to be charged each year to your <strong>AAA</strong>/<br />
Visa ® or another credit card (Visa ® , MasterCard or Discover) to prevent<br />
any lapse in your <strong>AAA</strong> membership coverage.<br />
<strong>Membership</strong> Review<br />
<strong>AAA</strong> <strong>Western</strong> and <strong>Central</strong> <strong>New</strong> <strong>York</strong> is a not-for-profit organization.<br />
Annual membership dues fund the member services. It is the responsibility<br />
of the organization to monitor individual member expenses in order to<br />
maintain reasonable membership dues for all members.<br />
During this annual monitoring, all memberships that have service<br />
expenses significantly exceeding generated revenue will be reduced to<br />
the Basic level of membership the next membership year.<br />
<strong>Membership</strong> Renewal<br />
If payment is late and received within 90 days after the due date,<br />
the original expiration date of your membership will not be changed,<br />
unless you request otherwise. If requested, the revised membership<br />
will commence upon payment and will expire the following year on the<br />
last day of the month in which payment was received. In that event,<br />
additional fees will apply as follows:<br />
• Entrance fee<br />
• 10-day wait for <strong>AAA</strong> Plus/RV ® or <strong>AAA</strong> Premier/RV ® road service<br />
• Your membership tenure will not be affected<br />
Code of Conduct<br />
<strong>AAA</strong> <strong>Western</strong> and <strong>Central</strong> <strong>New</strong> <strong>York</strong> is a member organization<br />
that proudly relies upon the partnership between our members and<br />
our associates. As a place of business, we expect both parties to<br />
communicate in a professional and courteous manner and cannot<br />
accommodate disruptive and unprofessional behavior toward our<br />
associates or other members. Management reserves the right to cancel<br />
membership for inappropriate behavior.
<strong>AAA</strong> Car Care Plus ®<br />
<strong>AAA</strong> Car Care Plus ®<br />
Members find honest repairs by expert technicians at <strong>AAA</strong> Car Care<br />
Plus ® , state-of-the-art auto repair facilities owned and operated by <strong>AAA</strong><br />
<strong>Western</strong> and <strong>Central</strong> <strong>New</strong> <strong>York</strong>.<br />
At <strong>AAA</strong> Car Care Plus ® , professional service advisors explain complex<br />
automotive issues in simple terms, and they are committed to giving you<br />
the information you need to make smart choices about your vehicle’s<br />
maintenance.<br />
As a <strong>AAA</strong> member, you will get great rates, PLUS:<br />
• An unprecedented, industry-leading warranty on parts<br />
and labor (2 years, 24,000 miles)*<br />
• Free vehicle report card<br />
To make an appointment<br />
Visit one of our two locations, call or click <strong>AAA</strong>.com/CarCarePlus<br />
<strong>Membership</strong> • Travel • Insurance<br />
AMHERST<br />
2131 Eggert Road<br />
716-362-0562<br />
CLARENCE<br />
8120 Main Street<br />
716-932-3900<br />
*Most vehicles<br />
11
Approved Auto Repair<br />
12<br />
Approved Auto Repair<br />
Over 30 years ago, <strong>AAA</strong> recognized that the repair process was<br />
stressful for drivers who may not have known whom they could trust<br />
with their automotive repairs and maintenance. Since its launch in<br />
1975, <strong>AAA</strong>’s Approved Auto Repair program has been the answer to<br />
that common problem.<br />
<strong>AAA</strong>’s Approved Auto Repair facilities have been thoroughly<br />
inspected and are tested annually to ensure they meet <strong>AAA</strong>’s demanding<br />
quality service criteria. These shops are judged not just by the services<br />
they provide, but also by their community reputation, appearance, staff<br />
qualifications, and equipment.<br />
When you choose a <strong>AAA</strong> Approved Auto Repair facility, you can feel<br />
confident that your car will cared for by reliable technicians who can<br />
take care of all your auto maintenance and repair needs.<br />
To locate an Approved Auto Repair facility near you,<br />
CALL: (800) 836-CLUB or VISIT: <strong>AAA</strong>.com/Auto.<br />
The <strong>AAA</strong> Approved Auto Repair Advantage<br />
• Free maintenance inspections<br />
• Written estimates<br />
• A 12-month or 12,000-mile warranty on repairs<br />
• Dispute resolution
Roadside Assistance<br />
Emergency Roadside Assistance<br />
Emergency Roadside Assistance is available 24 hours a day, 7 days<br />
a week and is designed to assist you in an emergency when the vehicle<br />
you are either driving or riding in becomes disabled. Service will not be<br />
provided for pre-existing problems. Your membership coverage applies<br />
to those emergency and towing services listed in this handbook.<br />
Your membership doesn’t just cover one car. Your membership<br />
covers you, in any vehicle you are driving or a passenger in that<br />
becomes disabled.<br />
Eligible Vehicles - Basic Service<br />
Service applies to all properly licensed four-wheeled motor vehicles<br />
of the passenger, pleasure or recreational type (vans, campers and<br />
motor homes) regardless of license plate designation--if those services<br />
can be safely delivered.<br />
Dual-wheeled campers/motor homes are eligible for all services<br />
except towing, extrication/winching and tire service. Dual-wheeled<br />
unloaded pickup trucks are eligible for all services. Dual-wheeled<br />
vans, utility, boat and snowmobile trailers are not eligible for service.<br />
Rented passenger vehicles and commercial vehicles are eligible for<br />
service, with the exception of taxi cabs and limousines.<br />
<strong>AAA</strong> Plus/RV ® and <strong>AAA</strong> Premier/RV ® members receive extended vehicle<br />
coverage for all services to include motorcycles, all motor homes, pickup trucks<br />
with campers and travel trailers.<br />
Emergency Services<br />
The following emergency services will be provided to place your<br />
vehicle in a drivable condition. If these attempts are unsuccessful after<br />
a reasonable effort by the service provider, the towing service provision<br />
will apply.<br />
13
Mechanical Adjustments<br />
Minor/temporary adjustments will be made in an attempt to enable<br />
your vehicle to operate safely under its own power.<br />
Towing Services<br />
When your vehicle cannot be safely driven after attempting any of<br />
the listed emergency services, your vehicle will be towed to the ERS<br />
facility rendering the service, to the closest <strong>AAA</strong> Approved Auto Repair<br />
facility, or a maximum of five miles in any direction from the point of<br />
disablement at no charge. In instances when your vehicle becomes<br />
disabled while towing a light-duty trailer, service will be provided<br />
for the trailer (excludes fifth-wheel trailers). You will be required to<br />
pay for trailer towing. Flatbed service may require an additional fee<br />
if it is requested but not required. Towing is limited to one tow per<br />
breakdown. Tows exceeding the allowed mileage will pay a discounted<br />
rate for each additional mile, payable at the time of service.<br />
<strong>AAA</strong> Plus/RV ® provides up to 100 miles of free towing in any direction from<br />
the point of disablement to the destination of your choice. <strong>AAA</strong> Premier/RV ®<br />
provides up to 200 miles of towing on one of your four allowable service calls,<br />
and up to 100 miles of towing on the three remaining allowable calls.<br />
Tire Change<br />
Your spare will be installed to replace a flat tire. For safety reasons,<br />
the rim should be free of rust and the tire inflated and serviceable. If<br />
the spare cannot be safely installed, the towing provision will apply.<br />
Locksmith Service<br />
If your keys are locked inside the vehicle, service will be sent to gain<br />
entrance. If the key that operates or provides access to the passenger<br />
compartment of the vehicle is lost or broken or the service provider<br />
cannot gain entrance to your vehicle, locksmith service up to $50 or<br />
reimbursement for commercial locksmith service up to $50 will be<br />
provided. In cases where the vehicle cannot be made operable, towing<br />
services will be provided in accordance with the towing provision.<br />
<strong>AAA</strong> Plus/RV ® and <strong>AAA</strong> Premier/RV ® provide added coverage or reimbursement<br />
up to $100 in parts and labor for locksmith service if such service is required to<br />
unlock your vehicle or make it operable.<br />
Battery Service<br />
A battery boost will be provided in an attempt to start your vehicle.<br />
All inclusive mobile battery testing and replacement service (at a<br />
member discounted rate) is also available to members in many areas.<br />
Please contact us for additional information.<br />
14<br />
Roadside Assistance
Roadside Assistance<br />
Extrication/Winching<br />
Your vehicle will be extricated/winched when it can be safely<br />
reached from a normally traveled or established thoroughfare. If<br />
special equipment, more than one truck or more than one person is<br />
required, the associated costs may be at your expense.<br />
<strong>AAA</strong> Plus/RV ® and <strong>AAA</strong> Premier/RV ® provide coverage to include the delivery of<br />
services by a second truck and operator for one hour at the scene.<br />
Fuel Delivery<br />
A limited supply of fuel will be delivered to your disabled vehicle<br />
to enable you to reach the nearest service station. Specific brands<br />
or octane ratings cannot be promised. <strong>AAA</strong> Basic ® Members will be<br />
charged the current pump price for the fuel.<br />
<strong>AAA</strong> Plus/RV ® and <strong>AAA</strong> Premier/RV ® provide, at no additional cost, a sufficient<br />
amount of fuel to enable you to reach the nearest service station.<br />
Scope of Service<br />
Under your membership, Emergency Roadside Assistance will be<br />
provided without charge from the nearest available <strong>AAA</strong> contract<br />
facility. Your service call will include <strong>AAA</strong>’s operator/truck traveling to the<br />
disabled vehicle, where the service operator will attempt to make your<br />
vehicle operable.<br />
When your vehicle cannot be made operable upon providing the<br />
services listed in this handbook, we will assist you in finding the<br />
nearest open place of repair. If a repair facility cannot be located, we<br />
will assist you in locating lodging or alternative transportation.<br />
A $25 Service Fee, in addition to standard membership dues, will be<br />
assessed for <strong>New</strong> or Past Due members in need of roadside assistance<br />
at the time of activation.<br />
Charges for service that exceed the benefits listed will be at prevailing<br />
hourly or mileage rate of the region where service is provided. Payment<br />
is due at the time of service by cash, check or credit card.<br />
Roadside Assistance is provided by <strong>AAA</strong> owned fleets as well as<br />
a nationwide network of independent contractors. We welcome<br />
comments concerning your experience and will work with you to<br />
resolve any concerns. Call us 24/7 at 1-800-<strong>AAA</strong>-HELP.<br />
How to Obtain<br />
Emergency Roadside Assistance<br />
Call 1-800-222-4357 (1-800-<strong>AAA</strong>-HELP). You may also place your<br />
service request or check the status of your service request by visiting<br />
<strong>AAA</strong>.com. For those members who have a hearing impairment and use<br />
a TTY device or relay service, please refer to the telephone numbers on<br />
page 4 of this handbook. Some cellular phone users may dial *<strong>AAA</strong> or<br />
*<strong>AAA</strong>1 for a free call (check with your carrier).<br />
15
Service will be provided to any member driving or riding in an<br />
eligible vehicle when it becomes disabled.<br />
When you place your call, please give all information asked for by<br />
the operator. Be prepared to give your name, address, membership<br />
number, vehicle description, location of vehicle and probable trouble.<br />
This information is required for us to properly service you. If you have a<br />
physical disability that requires special transportation or needs please<br />
let us know at the time of call placement.<br />
When the service provider arrives, you will be requested to present<br />
your driver’s license or other photo ID and a valid membership card in<br />
order to obtain service.<br />
16<br />
Roadside Assistance<br />
Stay with Your Vehicle<br />
You should remain at or near your car to receive service. Unattended<br />
vehicles cannot be put in running order, since they may be stolen or<br />
need additional starting if the engine is turned off. Of course, exceptions<br />
will be made in extenuating circumstances.<br />
Safety<br />
If you do not feel safe, let our call receiver know. We will notify the<br />
proper authorities and expedite your service.<br />
Canceling Calls<br />
If your car starts or you remedy your problem before the service<br />
provider arrives, please call to cancel your request so service can<br />
be expedited for others and to assure the call won’t count against<br />
your usage.<br />
When Services Do Not Apply<br />
Emergency Roadside Assistance will not be rendered to any<br />
vehicle when towing is requested other than for mechanical<br />
breakdown or accidents.<br />
Unavoidable Delays<br />
Because of our geographic location, calls for service can number<br />
well over 3,000 per day on especially severe winter days, with every<br />
piece of equipment in use around the clock. In these circumstances,<br />
long delays cannot be avoided. We appreciate your patience and<br />
assure you that you will receive service as quickly as possible.
Roadside Assistance<br />
Alternate Service<br />
If you have followed the procedure outlined to obtain ERS and <strong>AAA</strong><br />
service is not available or <strong>AAA</strong> contractor access is restricted (toll roads,<br />
limited-access highways), the Club will provide reimbursement for<br />
covered services at the prevailing commercial rate for the region. Full<br />
reimbursement for covered services will be provided for police-ordered<br />
tows and where <strong>AAA</strong> access is legally restricted.<br />
If <strong>AAA</strong> service was available but not requested, reimbursement may<br />
be limited to the amount the Club would normally have paid for the<br />
covered service.<br />
<strong>AAA</strong> Plus/RV ® and <strong>AAA</strong> Premier/RV ® provide reimbursement at<br />
prevailing commercial rates for covered <strong>AAA</strong> Plus/RV ® and <strong>AAA</strong><br />
Premier/RV ® benefits if service is requested but is not available.<br />
You must submit the original receipt within sixty days of service<br />
for consideration. The Club may adjust or deny reimbursement for<br />
service provided by individuals or companies not normally engaged in<br />
providing ERS.<br />
For lockout reimbursement, see information under Lockout Service<br />
on page 15.<br />
Emergency Repair Check Acceptance<br />
Your personal check for up to $250 will be accepted by any<br />
independent contract facility providing emergency road services or<br />
repairs for <strong>AAA</strong> members. A valid membership card and identification<br />
must be presented at the time of payment. The name on the check<br />
must match the member name.<br />
ERS Call Allowance<br />
In an effort to increase the quality of <strong>AAA</strong> Emergency Roadside<br />
Assistance and decrease delays, each member will be entitled to a<br />
maximum of four free service calls per year. After the four free calls, there<br />
will be a surcharge payable at the time of service. <strong>AAA</strong> Plus/RV ® and <strong>AAA</strong><br />
Premier/RV ® benefits cease after the fourth service call.<br />
Service Comments<br />
It is our goal to make your <strong>AAA</strong> membership invaluable. All <strong>AAA</strong><br />
Clubs maintain the highest quality Emergency Roadside Assistance<br />
available throughout the continental United States, Alaska, Hawaii and<br />
Canada. Certain benefits may vary from Club to Club. Please help us<br />
to maintain these high standards of ERS. Any comments you may have<br />
will enable us to continually improve our services.<br />
We welcome any comments you have regarding our products or<br />
services. Please address them to: <strong>AAA</strong> <strong>Western</strong> and <strong>Central</strong> <strong>New</strong> <strong>York</strong>,<br />
Member Relations Department, 100 International Drive, Williamsville,<br />
NY 14221.<br />
17
® ®<br />
TripTiks, TourBooks, & Maps<br />
Member Service Counselors<br />
Whether you need a TripTik ® routing or a rental car reservation, <strong>AAA</strong>’s<br />
team of Member Service Counselors can save you time and money. To<br />
get started, call 800-836-CLUB or visit your local <strong>AAA</strong>.<br />
Free Maps and TripTik ® Routings<br />
A TripTik ® is a set of personalized directions that highlights the best<br />
route to your destination. Choose whether you want the most direct<br />
route, or if you prefer a more scenic trip designed around points of<br />
interest. In addition to your specific route, we keep in stock dozens of<br />
regional, state, and city maps.<br />
Please allow two weeks’ notice for material you wish to have mailed<br />
to you, and seven days’ notice for pre-ordered information you plan to<br />
pick up at one of our Travel and Insurance Centers.<br />
Internet TripTik ® Travel Planner<br />
<strong>AAA</strong> has launched a first-of-its-kind online mapping tool, <strong>AAA</strong>’s<br />
TripTik ® Travel Planner. At <strong>AAA</strong>.com/TripTik, you can select specific roads<br />
to customize your route and find attractions, hotels, restaurants, and<br />
more along the way. Once you are satisfied with your route, you can<br />
easily print out your maps with turn-by-turn directions.<br />
18
® ®<br />
TripTiks, TourBooks, & Maps<br />
Domestic TourBook ® Guides<br />
Whether you are going on a weekend getaway or an extended<br />
vacation, <strong>AAA</strong> TourBook ® guides and maps are a great resource for<br />
in-depth travel information for destinations across the United States,<br />
Canada, Mexico, and the Caribbean. Accommodations and restaurants<br />
rated in <strong>AAA</strong>’s TourBook ® guides are rigorously inspected at least once<br />
a year and meet or exceed <strong>AAA</strong>’s exacting standards for quality. The 26<br />
regional TourBook ® guides are are free to <strong>AAA</strong> members.<br />
CampBook ® Guides<br />
No matter how adventurous you are, you don’t want to delve<br />
into the great outdoors without <strong>AAA</strong> CampBook ® guides. Outlining<br />
campground rates, geography, climate, and local laws along your route,<br />
these guides are an essential tool for planning your next adventure.<br />
Updated yearly and free to members, <strong>AAA</strong> CampBooks ® are your guide<br />
to the outside.<br />
Reservation Assistance<br />
<strong>AAA</strong>’s Member Service Counselors can make confirmed reservations<br />
for you at hotels, motels, and vacation resorts. And if you need a rental<br />
car along the way, they can make that reservation for you, too.<br />
If you choose to make your own reservations, look for <strong>AAA</strong>’s Show<br />
Your Card & Save ® partners to receive the lowest guaranteed rates for<br />
<strong>AAA</strong> members. You must specifically request the <strong>AAA</strong> rate when making<br />
reservations. For the best value, always check for exclusive <strong>AAA</strong> packages<br />
with your <strong>AAA</strong> Travel Consultant, who frequently can find the best<br />
discounts and value-added deals that just cannot be found elsewhere.<br />
Travel Agency<br />
No other travel provider offers the range of services available through<br />
<strong>AAA</strong> Travel, the largest leisure travel organization in North America.<br />
<strong>AAA</strong>’s travel experts are the most professional group in the industry,<br />
with an average of 11 years experience each. They are ready to help<br />
you choose a destination and will tailor their recommendations to your<br />
personal preferences and budget – whether you are traveling by planes,<br />
trains, automobiles…or cruise ships.<br />
19
10 Reasons to Travel with <strong>AAA</strong><br />
1. The most professional group of travel experts in the industry,<br />
with an average of 11 years experience each.<br />
2. 13 <strong>AAA</strong> Travel and Insurance Centers to serve you, including<br />
on-site travel stores for passport photos, luggage and travel<br />
accessories.<br />
3. Exclusive benefits for members and extraordinary values that<br />
<strong>AAA</strong>’s National buying power provides.<br />
4. <strong>AAA</strong>.com, your one-stop travel website with easy online booking.<br />
5. 24/7 toll-free access to <strong>AAA</strong>’s travel service.<br />
6. <strong>AAA</strong>’s Best Price Guarantee promises travelers THE best price<br />
for their cruise or vacation – guaranteed!<br />
7. <strong>AAA</strong> Referral Rewards Program allows current <strong>AAA</strong> Travelers<br />
to earn money on future travel by referring family and friends to<br />
<strong>AAA</strong>.<br />
8. <strong>AAA</strong> Solo Travelers Club provides like-minded single travelers<br />
the value, peace of mind, fun, and convenience of group travel at<br />
an affordable price.<br />
9. <strong>AAA</strong> Travel Assurance provides customized coverage to protect<br />
travelers.<br />
10. The all-new <strong>AAA</strong> Traveler Rewards program thanks you for<br />
choosing <strong>AAA</strong>!<br />
20<br />
Travel Agency
Travel Agency<br />
<strong>AAA</strong>.com Powered by Expedia ®<br />
As a <strong>AAA</strong> member, you can experience the convenience of Expedia ®<br />
with all the advantages of <strong>AAA</strong> when you book flights, hotel rooms,<br />
rental cars, and travel packages at <strong>AAA</strong>.com, now powered by Expedia.<br />
Create your own travel package, and enjoy significant savings and<br />
greater flexibility. You can choose a flight that fits your schedule and a<br />
hotel and rental car that fit your lifestyle – all from the comfort of your<br />
home or office.<br />
Special Member Benefits<br />
<strong>AAA</strong>’s exclusive relationship with preferred cruise, car and tour suppliers<br />
provide value-added features for clients of <strong>AAA</strong> Travel.<br />
Cruise:<br />
Azamara Club Cruises<br />
Carnival Cruise Lines<br />
Celebrity Cruises<br />
Cruise West<br />
Crystal Cruises<br />
Cunard Line<br />
Disney Cruise Line<br />
Holland America Line<br />
Princess Cruises<br />
Regent Seven Seas Cruises<br />
Royal Caribbean International<br />
Uniworld Boutique River Cruise<br />
Collection<br />
Hotels:<br />
Best <strong>Western</strong> International<br />
Hampton Inn & Suites<br />
Hilton Hotels:<br />
• Embassy Suites • DoubleTree<br />
• Conrad • Hilton<br />
• Hilton Garden Inn<br />
• Homewood Suites<br />
• Waldorf Astoria Collection<br />
Hyatt Hotels & Resorts:<br />
• Andaz • Hyatt Place<br />
• Hyatt Summerfield Suites<br />
Marriott Hotels & Resorts:<br />
• Courtyard • Fairfield Inn<br />
• Marriott • Renaissance<br />
• Residence Inn • Springhill Suites<br />
• TownePlace Suites<br />
Starwood Hotels & Resorts<br />
Worldwide:<br />
• aloft • element • Four Points<br />
• Le Meridien • Sheraton<br />
• St. Regis • The Luxury Collection<br />
• Westin • W Hotels<br />
Tour Packages:<br />
<strong>AAA</strong> Member Choice Vacations<br />
Adventures by Disney<br />
ATI<br />
Avanti Destinations<br />
Brendan Vacations<br />
Canada a la Carte<br />
Contiki Holidays<br />
General Tours<br />
Grand Canyon Railway<br />
Insight Vacations<br />
Pleasant Holidays<br />
Rail Europe<br />
Tauck World Discovery<br />
Trafalgar Tours<br />
Travel Bound<br />
Travel Impressions<br />
Universal Parks & Resorts Vacations<br />
Walt Disney Travel Co.<br />
Car Rental:<br />
Hertz<br />
Travel Services:<br />
Travisa Passport & Visa Service<br />
21
Cruises<br />
<strong>AAA</strong> has preferred partnerships with most cruise lines, which means<br />
that real savings are passed down to our members. With <strong>AAA</strong> Travel, you<br />
can enjoy an intimate river cruise on the Danube, go whale-watching<br />
on an Alaskan dream cruise, or experience the Caribbean in the newest<br />
megaship, Royal Caribbean’s Oasis of the Seas.<br />
Group Travel<br />
Traveling with <strong>AAA</strong>’s Specialty Group Services department is a simple<br />
solution to avoid the work associated with travel planning. From day<br />
trips on a luxury motorcoach to two-week European river cruises, our<br />
menu of group tour options will satisfy the most discerning travel tastes.<br />
Call (800) 242-4244 or click <strong>AAA</strong>.com/GroupTours for the most up-todate<br />
list of scheduled tours and cruises.<br />
Or, if you are coordinating travel for a group of 10 or more, <strong>AAA</strong>’s<br />
group travel experts can assist with all the details including free travel<br />
for you. All you have to do is sit back, relax…and enjoy your vacation!<br />
Business Travel Services<br />
For transportation management, meetings and incentive travel,<br />
<strong>AAA</strong>’s team of business travel experts will develop a customized<br />
solution that fits your needs and your company culture. What makes<br />
<strong>AAA</strong> unique is its ability to provide companies with benefits such as<br />
lower airfares, a loyalty program, foreign currency, and a variety of<br />
corporate membership discounts. To learn more, call (800) 937-1222<br />
or click <strong>AAA</strong>.com/BusinessTravel.<br />
22<br />
Travel Agency
Travel Agency<br />
<strong>AAA</strong> Travel Assurance<br />
Even the most carefully planned trips can be complicated by lost<br />
luggage, cancelled flights, or a medical emergency. <strong>AAA</strong> Travel Assurance<br />
from Access America provides insurance coverage for trip cancellation<br />
and interruption, emergency medical and dental, a 24-hour assistance<br />
hotline, and it may also cover existing medical conditions that other<br />
plans won’t.<br />
Digital Passport Photo Services<br />
This convenient service, discounted for <strong>AAA</strong> members, is available at<br />
all <strong>AAA</strong> Travel and Insurance Centers. These two color photographs may<br />
also be used to obtain an international driving permit.<br />
International Driving Permits<br />
When traveling overseas, you should carry an international driving<br />
permit—even if you’re not planning to drive. If you need to communicate<br />
with foreign authorities, this recognizable form of identification can help<br />
you get on your way more quickly. <strong>AAA</strong> is one of only two authorized<br />
sources in the United States for obtaining this permit.<br />
• Available at all <strong>AAA</strong> Travel and Insurance Centers<br />
• Member cost: $15<br />
• Two passport photos are needed, which can be taken at all <strong>AAA</strong><br />
Travel and Insurance Centers<br />
• Must be 18 years or older with a valid U.S. driver’s license<br />
Foreign Maps and Tour Guides<br />
Informative guides on the Bahamas, the Caribbean, Mexico, and<br />
<strong>Central</strong> America, plus European maps are available free of charge to<br />
<strong>AAA</strong> members. European TravelBook ® and City guides are offered to<br />
members at reduced rates.<br />
Likewise, <strong>AAA</strong>.com has partnered with TripAdvisor to provide a wealth<br />
of worldwide travel information 24 hours a day at <strong>AAA</strong>.com/Travel.<br />
23
24<br />
<strong>AAA</strong>.com<br />
<strong>AAA</strong>.com<br />
Get all the Information you need online<br />
Click on <strong>AAA</strong>.com for all your<br />
membership, travel, insurance,<br />
financial and automotive-related<br />
services. <strong>AAA</strong>.com offers a wide<br />
selection of travel advice, as well<br />
as deals on lodging, car rentals,<br />
cruises, and vacation packages and<br />
other travel news and information.<br />
In addition, as a member you can<br />
check out a comprehensive list of<br />
<strong>AAA</strong> member savings programs on our<br />
Show Your Card & Save ® <strong>AAA</strong> member savings programs on our<br />
link.<br />
Self Serve on <strong>AAA</strong>.com<br />
Just a few of the things you can do online<br />
• Member Services: Join, renew, or upgrade<br />
• Manage your <strong>Membership</strong>: Sign up for auto-renew or add<br />
an associate<br />
• Mapping Products: Create and print your own TripTik ®<br />
• Emergency Roadside Assistance: Request road service online<br />
any time, day or night<br />
• Research Travel: Plan and book your vacation to over 5,000 cities<br />
• Insurance: Get your no-obligation quote<br />
• Search for Discounts: Find out where you can<br />
Show Your Card & Save ®<br />
• Defensive Driving: Take <strong>AAA</strong>’s point-and-insurance-reduction<br />
course online!<br />
Do it yourself TripTik ® online at <strong>AAA</strong>.com<br />
In addition to TripTik ® routings that can be requested through our<br />
offices, the TripTik ® travel planner on <strong>AAA</strong>.com offers you another way<br />
to get maps or plan an entire trip — wherever and whenever.<br />
We’ve used <strong>AAA</strong>’s premier mapping technology and travel information<br />
to provide the best online travel planner. Whether you need local<br />
maps, turn-by-turn directions, or a complete vacation, start with<br />
a quick trip to the <strong>AAA</strong>.com TripTik ® travel planner. This online travel<br />
planner also features the ”Modify Route” tool that allows you to customize<br />
your route to fit your specific preferences. Access more than<br />
400,000 listings for lodgings, restaurants, attractions, events, repair<br />
stations, and member discounts.
Driver Training<br />
<strong>AAA</strong> Driver Training<br />
<strong>AAA</strong>’s driver training programs are taught by specially trained<br />
instructors that provide highly interactive driving lessons whether in the<br />
classroom, in car or online. Plus, <strong>AAA</strong> communicates the most up to date<br />
laws and regulations for motorists to ensure your safety on the road.<br />
<strong>AAA</strong> Defensive Driving Course<br />
The six-hour defensive driving course is offered in classroom locations<br />
throughout <strong>Western</strong> and <strong>Central</strong> <strong>New</strong> <strong>York</strong>. Plus, the course is now<br />
available online at <strong>AAA</strong>.com. Benefits include:<br />
•10% discount on collision, liability and no-fault portions of Auto<br />
Insurance for 3 years<br />
•Reduce up to 4 points on your driving record (for violations<br />
occurring in the last 18 months)<br />
Teen Driver Education<br />
As the largest driving school in <strong>New</strong> <strong>York</strong> State, <strong>AAA</strong> is well-equipped<br />
with a variety of programs to help teach your teen to drive safely.<br />
Products offered include:<br />
• Licensed to Learn: 40-hour comprehensive training program<br />
including 30 hours of classroom and 10 hours of in car<br />
evaluation. Includes free one-year <strong>AAA</strong> basic membership upon<br />
completion of course.<br />
• In School Driver Education: <strong>AAA</strong> partners with schools across<br />
25
Driver Training<br />
<strong>Western</strong> and <strong>Central</strong> <strong>New</strong> <strong>York</strong> to offer our Licensed to Learn<br />
curriculum in their community. Includes free one-year <strong>AAA</strong> basic<br />
membership upon completion of course.<br />
• In Car Lessons: <strong>AAA</strong> offers a variety of lesson packages if you<br />
would like a little extra help teaching your teen to drive.<br />
• 5-Hour Pre-licensing Course: <strong>AAA</strong> offers this course separately,<br />
or included with the Licensed to Learn program. This course<br />
provides the MV-278 certificate, a requirement for teens to<br />
schedule their road test.<br />
Other Offerings<br />
•Senior Driving Assessments: Certified driving instructors assist<br />
in evaluating and monitoring driving ability.<br />
• In Car Rehabilitative Training: Designed for drivers with a<br />
disability or limited mobility. <strong>AAA</strong> provides modified vehicles and<br />
the training needed to learn to operate them.<br />
• Adult Driver Education: Program tailored for adults learning<br />
to drive for the first time. Includes free one-year <strong>AAA</strong> basic<br />
membership upon completion of course.<br />
•Basic Mechanics: Two-hour course teaching you the basic<br />
workings of your vehicle.<br />
To register for any of these courses or to learn more:<br />
VISIT: Your local <strong>AAA</strong> | CALL: (800) 836-2582 | CLICK: <strong>AAA</strong>.com<br />
26
Insurance<br />
Why Choose <strong>AAA</strong> for Insurance?<br />
• Our experienced agents provide the personal service you have<br />
come to expect from <strong>AAA</strong>.<br />
• We will give you a thorough review of your current coverage and<br />
make suggestions that may offer additional protection.<br />
• If you need to file a claim, <strong>AAA</strong> is always there to help you.<br />
• And, of course, members save up to 15% when insuring your<br />
home and auto together.<br />
Auto Insurance<br />
<strong>AAA</strong> Auto Insurance is flexible and affordable with customized coverage<br />
options. Our agents will sit with you and review your current policy and<br />
your individual needs so we can tailor a policy that fits your lifestyle.<br />
How can I save on my auto insurance?<br />
Discount Description<br />
<strong>AAA</strong> Member Save up to 5%.<br />
Multi-policy Save up to 10%.<br />
Multi-vehicle Save when you insure multiple vehicles<br />
on your policy.<br />
Defensive Take a 6-hour course and save up to 10%.<br />
driving course Online courses available.<br />
Distant student Save when your student goes away to school.<br />
Full payment Save when you pay your premium in full.<br />
27
Insurance<br />
Home Insurance<br />
<strong>AAA</strong> Home Insurance offers comprehensive coverage for your home,<br />
personal property, and other attached and detached structures. Plus, we<br />
offer an exclusive home protection package that includes:<br />
• Enhanced replacement coverage<br />
• Water back-up coverage<br />
• Identify fraud coverage<br />
• Mortgage payment protection coverage<br />
How can I save on my home insurance?<br />
Discount Description<br />
<strong>AAA</strong> Member Save up to 10%.<br />
Multi-policy Save up to 15%.<br />
<strong>New</strong> home Save if your home is less than 10 years old.<br />
<strong>New</strong> loan Save if you are purchasing a home and<br />
obtaining a new mortgage.<br />
28
Insurance<br />
Life Insurance<br />
Because life insurance is intended to meet your family’s future financial<br />
needs in unforeseen circumstances, it may be one of the most important<br />
purchases you ever make. But choosing the right plan does not have to<br />
be a difficult process.<br />
Your licensed <strong>AAA</strong> Insurance agent will sit down with you one-on-one<br />
to explain and discuss the options and help you find the right coverage<br />
from a wide range of products, including:<br />
• Term insurance<br />
• Permanent, or Whole Life, Insurance<br />
• Guaranteed Issue Life Insurance<br />
• Long Term Care Insurance<br />
• Annuities<br />
What does <strong>AAA</strong> Life Insurance cover?<br />
Life Insurance is intended to help provide financial security for your<br />
loved ones in the event of your passing. Each individual situation is<br />
different, so we recommend that you speak with one of our licensed<br />
agents who will review your individual needs. Your agent will discuss<br />
product options and help you decide what is best to provide the<br />
financial protection you need.<br />
Other Insurance Offerings<br />
• Personal Liability (“Umbrella”)<br />
• Renters, Condo, or Townhouse<br />
• Rental Property<br />
• Motorcycle<br />
• Boat/Watercraft<br />
• ATV/RV/Trailer<br />
• Snowmobile<br />
• Antique/Classic Car<br />
<strong>AAA</strong> Insurance Claims Service<br />
Trust <strong>AAA</strong> to handle your claims efficiently and effectively. From initial<br />
response through final resolution, <strong>AAA</strong> provides fast, caring service. You<br />
may report your claim by calling (800) 207-3618, available 24 hours a<br />
day, 365 days a year.<br />
To learn more about <strong>AAA</strong> Insurance or request a quote:<br />
VISIT: Your local <strong>AAA</strong> | CALL: (866) 874-7<strong>AAA</strong> | CLICK: <strong>AAA</strong>.com<br />
29
Financial<br />
As a <strong>AAA</strong> member, there are several programs to help you make<br />
smart choices with your hard-earned dollars. From “member-only”<br />
rates on CDs, to a <strong>AAA</strong> line of credit, your membership can get you<br />
where you want to go faster than you may think.<br />
<strong>AAA</strong> Visa ® Gift Cards<br />
<strong>AAA</strong> Visa ® Gift Cards are available for instant issue at <strong>AAA</strong> Travel<br />
and Insurance Centers. They can be loaded with any amount from $10<br />
to $750 and can be used just like a credit card at over 14 million Visa ®<br />
merchants world-wide and are a safe and secure way to complete<br />
online shopping.<br />
<strong>AAA</strong> Visa ® with WorldPoints ®<br />
For every dollar you spend on your <strong>AAA</strong> Visa ® with WorldPoints ® ,<br />
you will earn one point redeemable for cash, travel, merchandise, gift<br />
cards, and more.<br />
30<br />
Financial
Financial<br />
<strong>AAA</strong> Travel Money<br />
When visiting another country, consider carrying a combination of<br />
cash, travelers checks, and cards. Here are some options available at<br />
your local <strong>AAA</strong> Travel and Insurance Center:<br />
• CashPax contain foreign currency in small bills and coins, and are<br />
a great way to keep small denominations handy for taxi fares, tips,<br />
and meals.<br />
• American Express Travelers Cheques are easy to use and safer<br />
than cash. Plus, they are available fee-free to <strong>AAA</strong> members.<br />
• A pre-paid, re-loadable <strong>AAA</strong> Visa TravelMoney ® card is a<br />
convenient way to travel in areas with abundant ATMs and<br />
merchants accepting credit or debit cards.<br />
For your convenience, you may also purchase these items online at<br />
<strong>AAA</strong>.com/Financial, or by calling 1-866-339-3378.<br />
Member Deposit Program<br />
You can receive some of the best rates when you open a Certificate<br />
of Deposit, IRA, Money Market or checking account through Discover<br />
Bank, plus:<br />
• <strong>AAA</strong> members-only rates<br />
• Low balance requirements<br />
• Convenience<br />
• Superior customer service<br />
To open an account or to get more information:<br />
CALL: 1-888-204-8990 and mention priority code JA05V<br />
CLICK: <strong>AAA</strong>.com/Financial | VISIT: Your local <strong>AAA</strong><br />
31
32<br />
Savings & Benefits<br />
Show Your Card & Save ®<br />
<strong>AAA</strong> members can save 10-50% through exclusive discounts and<br />
offers at local and national businesses in the travel, entertainment,<br />
retail and service industries – just by presenting their membership<br />
card! Save money on everything from hotel reservations to car rentals,<br />
from eyeglasses to theme park admissions and from truck rentals to<br />
online books and gifts. Look for the Show Your Card & Save ® logo at<br />
participating business at home or on the road.<br />
See on the following pages for a few samples of the many places<br />
you can save every day – including our newest partners: Gap Outlet<br />
and Banana Republic Factory Store, where you can save 10% on all<br />
purchases, including sale merchandise (except gift cards).<br />
Call our Member Service Center at 1-800-836-2582 or visit us at<br />
<strong>AAA</strong>.com/save for a complete listing of participating businesses.<br />
<strong>AAA</strong> Members saved over $1.6 billion last year through the Show<br />
Your Card & Save ® Program. Visit <strong>AAA</strong>.com for a complete list and<br />
details on savings.
Savings & Benefits<br />
33
34<br />
Savings & Benefits<br />
®
Savings & Benefits<br />
<strong>AAA</strong> Pharmacy Benefit<br />
<strong>AAA</strong> offers an easy solution for prescription drug costs with the <strong>AAA</strong><br />
Prescription Savings program. Choosing the right plan is important, to<br />
help you make an informed decision, here are answers to some of the<br />
questions <strong>AAA</strong> members are asking. This program is free with your<br />
<strong>AAA</strong> membership. Members do not have to meet a deductible or pay a<br />
co-pay to receive the benefit. You simply present your <strong>AAA</strong> Prescription<br />
Savings card at a participant pharmacy to receive a discount on your<br />
prescription. You can even use your <strong>AAA</strong> Prescription Savings Card for<br />
many pet medications filled at your pharmacy.<br />
Access benefit information and pharmacy locations by clicking<br />
<strong>AAA</strong>.com/prescriptions or calling 1-866-<strong>AAA</strong>-SAVE (1-866-222-7283).<br />
Movie, Car Wash and<br />
Amusement Park Discounts<br />
The Club sells discounted cinema passes to AMC, Regal, Dipson and<br />
more; discounted car wash and car detailing tickets from Delta Sonic<br />
are available in Buffalo, Rochester and Syracuse metropolitan offices,<br />
as well as other local car washes. Local and nationwide amusement<br />
park tickets, such as Walt Disney World, Universal Orlando, and<br />
Busch Entertainment Group properties are available at a discount to<br />
members. Visit <strong>AAA</strong>.com or call the nearest Travel and Insurance Center<br />
for prices and further information. Select tickets also available online at<br />
<strong>AAA</strong>.com. Tickets can be ordered by phone or mail by using <strong>AAA</strong>/Visa ® ,<br />
MasterCard, Discover, or American Express. A shipping and handling<br />
fee will be added to mail orders.<br />
Travel Store<br />
Located in each of our <strong>AAA</strong> Travel and Insurance Centers, the Travel<br />
Stores offer new, exciting, innovative and affordable merchandise<br />
for whatever trip you are planning. Luggage travel accessories, car<br />
organizers, converters and much more! Digital passport photo service<br />
also available!<br />
Anti-Theft Reward<br />
Your Club pays a $500 reward for civilian information leading to the<br />
arrest and conviction of anyone anywhere stealing a member’s car. This<br />
protection discourages professional thieves from stealing a member’s car.<br />
35
36<br />
Savings & Benefits<br />
Hit-Run Reward<br />
The Club offers a $500 reward for civilian information leading to the<br />
arrest and conviction of hit-run drivers in cases where personal injury<br />
or death is involved. This is one more effort the Club makes to promote<br />
safety on streets and highways.<br />
<strong>AAA</strong> Member Connection<br />
Member Connection is a lifestyle-focused magazine written and<br />
distributed exclusively for <strong>AAA</strong> members. Look for informative articles<br />
about <strong>AAA</strong> news, events, and member benefits, plus a variety of feature<br />
stories highlighting popular travel destinations near and far. You will<br />
receive five issues each year.
<strong>AAA</strong> Promise<br />
The <strong>AAA</strong> Promise<br />
Safety<br />
<strong>AAA</strong> consistently works to improve driver safety by raising awareness<br />
of the dangers of distracted driving, behind-the-wheel inexperience,<br />
speed, and alcohol-related driving. The association also continues to<br />
bolster driver education requirements, life-long driver training, and<br />
stronger improvements to the licensing process. Assisting senior drivers<br />
stay mobile as long as safely possible has also been a long-maintained<br />
goal for the association.<br />
Environment<br />
<strong>AAA</strong> believes the right to travel carries the responsibility of protecting<br />
natural resources, while helping preserve and enhance the environment<br />
for the enjoyment of present and future generations. Decades ago,<br />
<strong>AAA</strong> was among the first organizations to teach motorists to properly<br />
dispose of used motor oil, tires and batteries, and maintain ignition<br />
systems to reduce vehicle emissions and conserve fuel.<br />
Today, the association continues to educate travelers about responsible<br />
mobility, alternative fuel options, and the importance of driving a wellmaintained<br />
vehicle. <strong>AAA</strong> also maintains its advocacy efforts for a<br />
national energy strategy and viable transportation funding policies to<br />
ensure individual mobility is protected and sustained.<br />
Community<br />
As part of its commitment to community, <strong>AAA</strong> also awards annual college<br />
scholarship funds to local high school students; encouraging higher<br />
education in the areas of automotive technology, safety, and community<br />
service through the Ford/<strong>AAA</strong> Student Auto Skills Competition and the<br />
<strong>AAA</strong> Insurance Scholarship for Community Excellence.<br />
Read More Online<br />
<strong>AAA</strong>’s safety and advocacy endeavors are highlighted on the <strong>AAA</strong><br />
Exchange, a website dedicated to the safety and security of all motorists<br />
and travelers.<br />
More information is available:<br />
CLICK: www.<strong>AAA</strong>publicaffairs.com<br />
37
YOUR PRIVACY IS IMPORTANT TO US: The foundation of a business is based on trust; <strong>AAA</strong><br />
<strong>Western</strong> and <strong>Central</strong> <strong>New</strong> <strong>York</strong> (<strong>AAA</strong> WCNY) realizes that. To maintain that trust, <strong>AAA</strong> WCNY is committed<br />
to maintaining the privacy of its members’ Non public Personal Information (“NPI” or “Member<br />
Information”). <strong>AAA</strong> WCNY would like to take this opportunity to inform you of how we are committed to<br />
protecting your member information.<br />
PRIVACY COMPLIANCE: Recent federal legislation requires that all financial institutions provide<br />
customers with a statement outlining the policies and practices related to the sharing of NPI. At <strong>AAA</strong><br />
WCNY, we have always been committed to protecting your privacy and are providing this notice to you to<br />
demonstrate our commitment to you. If you decide to terminate your relationship with <strong>AAA</strong> WCNY or your<br />
membership lapses, we will continue to abide by the practices described in this notice and any amendments<br />
to this notice.<br />
WHY WE COLLECT INFORMATION: <strong>AAA</strong> WCNY collects information about you in order to protect<br />
your membership from unauthorized access, to better understand your needs as a member, to improve<br />
and develop new products, provide services that may be of value and to inform you of special promotions,<br />
services and benefits. We also collect information necessary to administer your account and to process<br />
services associated with your membership. We maintain this information to provide the highest possible<br />
quality of service.<br />
INFORMATION WE COLLECT: We collect member information about you on applications or other<br />
forms we receive from you, information about your transactions with us or others, information we receive<br />
from consumer reporting agencies, from other companies we work with, from companies providing marketing<br />
and demographic information and information obtained to protect against insurance fraud and<br />
identity theft.<br />
HOW WE KEEP INFORMATION SECURE: Your member information is only available to authorized<br />
individuals responsible for providing <strong>AAA</strong> WCNY products and services. We maintain physical, electronic<br />
and procedural safeguards that comply with legal requirements to protect member information.<br />
INFORMATION WE MAY DISCLOSE: We may disclose the following kinds of NPI about you:<br />
• Information we receive from you on applications or other forms, such as your name and address;<br />
• Information about your transactions with us or others--such as your account balance, payment history,<br />
parties to transactions and credit card usage; and<br />
• Information we receive from a consumer reporting agency, from other companies we work with and<br />
from providers of marketing and demographic information, such as your purchasing preferences.<br />
WHO WE DISCLOSE INFORMATION TO: We may disclose member information about you to the<br />
following:<br />
• Financial institutions with whom we have joint marketing agreements or who provide marketing<br />
services on our behalf; and<br />
• Financial service providers, such as banks and insurance companies.<br />
GLOSSARY<br />
“Affiliate” means any company that controls, is controlled by or is under common control with <strong>AAA</strong><br />
WCNY.<br />
“Financial Institution” means any institution the business of which is engaged in financial activities<br />
as described in section 4(k) of the Bank Holding Company Act.<br />
“Non public Personal Information” means personally identifiable financial information about an<br />
individual provided to a financial institution in order to obtain a financial product or service.<br />
“Nonaffiliated Third Party” means any person except an affiliate of a financial institution or a joint<br />
employee of a financial institution and a third party.<br />
Opt-out: If you prefer <strong>AAA</strong> WCNY not disclose your member information to nonaffiliated third parties<br />
(except as permitted or required by law) you may exercise your right to opt out of such disclosure by<br />
filling out the form below and mailing it to us. By opting out you will be precluded from receiving notice of<br />
special promotions offered through <strong>AAA</strong> WCNY which may benefit you. We may still include notices and<br />
information about other products and services when communicating with you about your account and<br />
related products and services. You will also still receive the <strong>AAA</strong> Going Places magazine six times per year.<br />
Opting out will not prevent you from receiving solicitations from other companies obtaining information<br />
about you from other sources.<br />
PRIVACY NOTICE OPT OUT<br />
PLEASE MAIL TO:<br />
<strong>AAA</strong> <strong>Western</strong> and <strong>Central</strong> <strong>New</strong> <strong>York</strong> • Attention: Privacy<br />
Post Office Box 9006 • Williamsville, <strong>New</strong> <strong>York</strong> 14231-9006<br />
Name: ______________________________________________________________________________________<br />
<strong>Membership</strong> #:________________________________________________________________________________<br />
Address: ____________________________________________________________________________________<br />
City:________________________________________ State:_____________ Zip Code: _____________________<br />
Signed: _____________________________________________________________________________________<br />
38<br />
Privacy Notice
<strong>Western</strong><br />
Rochester<br />
<strong>Central</strong><br />
<strong>AAA</strong> Travel And<br />
Insurance Centers<br />
Amherst<br />
100 International Drive • 716-633-9860<br />
Clarence<br />
8120 Main Street • 716-932-3900<br />
Dunkirk/Fredonia<br />
3963 Vineyard Drive • 716-366-3599<br />
Ken-Ton<br />
1737 Sheridan Drive • 716-873-0111<br />
Orchard Park<br />
3475 Amelia Drive, Quaker Crossing • 716-675-4900<br />
Greece<br />
3160 West Ridge Road, Lowe’s Plaza • 585-227-9600<br />
Penfield<br />
2156 Penfield Road • 585-377-8500<br />
Pittsford<br />
3240 Monroe Avenue • 585-249-1390<br />
Camillus<br />
5103 West Genesee Street • 315-487-2700<br />
Cicero<br />
5663 East Circle Drive, Suite 300 • 315-452-3282<br />
DeWitt<br />
3460 Erie Blvd. East • 315-446-3134<br />
Ithaca<br />
1284 Dryden Road • 607-257-2515<br />
Watertown<br />
19482 US Route 11 • 315-788-5250<br />
VISIT: Your Local <strong>AAA</strong> | CALL: 1-800-836-CLUB | CLICK: <strong>AAA</strong>.com<br />
WC6078A 779-12 6/12