MEMBERSHIP HANDBOOK - AAA Oregon/Idaho

aaa premierDear New AAA Premier Member:Greetings and welcome to the very select groupof members with Premier membership, the mostcomprehensive package AAA Oregon/Idaho offers.As a Premier Member, you will enjoy broaderbenefits that further enhance your sense of safetyand security.I know you will appreciate the expanded roadsideassistance coverage, such as the 200-mile tow. AllAAA members are allowed four service calls permembership year, but under the Premier plan, oneof those may be a tow up to 200 miles. Premier’shome lockout and trip interruption provisions offerexciting, additional benefits.Your Premier membership entitles you to receivea one-year fee-waived Hertz #1 Gold Club®membership, and you are eligible for discounteddomestic airline ticket processing fees andcomplimentary passport photos. If you’re morethan 100 miles from home, the 24-hour PremierMember toll-free number provides emergency travelassistance and 24-hour concierge service.Please take time to carefully read this brochure tothoroughly understand Premier membership terms.I’m sure you’ll agree: the AAA Oregon/IdahoPremier membership card is the best protection atraveler can carry. That’s why we say, “Membershipmeans more.”Jim Manion, President, AAA Idaho Division2

Contentsmembership benefits200 Mile Tow 2Home Lockout Reimbursement 2Emergency Breakdown Rental Car Program 2Travel Assistance Concierge Service 224-Hour Global Travel Emergency Assistance 3Trip Interruption and Vehicle Return Coverage 4Domestic Airline Ticket Processing 5Fee DiscountComplimentary Passport Photos 6Bicycle Service 6Terms and Conditions 6Membership Expiration Policy 15Privacy Statement and Other Disclosures 161

aaa premier200 mile tow*AAA Premier Members receive fourroadside assistance service calls per memberper membership year, one of which can be atow of up to 200 miles.How to Use: Call 1-800-AAA-HELP(1-800-222-4357).Home Lockout Reimbursement*Each AAA Oregon/Idaho Premier Memberhousehold is eligible to receive up to a $100reimbursement for home lockout assistance(one per membership household, per membership year).How to Use: For reimbursement, visit AAA.com/Premieror call 1-800-333-9071.Emergency BreakdownRental Car Program*AAA Premier Members whose vehicle is inoperable afterreceiving breakdown service from AAA Oregon/Idaho areeligible for one complimentary day’s rental car. The rentalmay be compact to full-size.Service must be provided by Hertz, AAA’s preferredrental car provider, and arranged through AAA Oregon/Idaho. This benefit is offered only at participating Hertzlocations in the United States and Canada. The memberis responsible for any additional days, upgrades, vehicleinsurance, mileage and fuel, and any other charges, feesand taxes which may apply.How to Use: Call 1-800-AAA-HELP (1-800-222-4357).travel assistance concierge service †Services are available only during ‘covered travel’.As a AAA Premier Member, you have instant access to ahost of travel services when traveling domestically orinternationally. By calling the toll-free AAA PremierServices telephone number, you can obtain information2

membership benefitssuch as:• Restaurant and spa recommendationsand services• Event tickets• Tour information• Gift basket and floral delivery• Business services• Golf tee times and reservations(subject to availability)The Premier Membership includesconcierge services which are servicebenefits, not financial benefits. Any costsassociated with services are paid by the member.How to Use: Within the U.S. and Canada, call toll-free1-800-333-9071. Outside the U.S., call collect1-804-673-7483.24-Hour Global TravelEmergency Assistance †Services are available only during ‘covered travel’.As a AAA Premier Member, you can rest easy every timeyou are traveling domestically or on an internationalvacation. If you have an emergency while 100 miles ormore from your primary residence – within the UnitedStates or internationally – you may call for EmergencyTravel and Medical Assistance 24 hours a day, 365 daysa year.This service provides access to such things as:• Medical Referrals• Lost Ticket and Baggage Assistance• Emergency Airline and Hotel Reservation• Legal referrals• Money transfersThe Premier Membership includes access to emergencytravel assistance which are service benefits, not financialbenefits. Any costs associated with services are paid bythe member.3

aaa premierHow to Use: Within the U.S.and Canada, call toll-free1-800-333-9071. Outside theU.S., call collect 1-804-673-7483.†AGA Service Company is theadministrator for this plan.travel insuranceTrip Interruption*and VehicleReturn Coverage*Covered person must be atleast 100 driving miles fromhome when incident occurs.AAA Premier Trip Interruptionand Vehicle Return Coveragebenefits provide members greaterpeace of mind when driving 100miles or more from home. If yourtrip is delayed due to an Accident,mechanical breakdown, car theft,unexpected Illness or Injury,natural disasters or severeweather, you can be reimbursedup to $1500 for covered outof-pocketexpenses, includingmeals and accommodations; and/or Substitute Transportation tocontinue your trip. And you canbe reimbursed up to $500 to help you get your car backhome if an unexpected Illness or Injury prevents youfrom completing your trip.How to Use: For reimbursement, call toll-free1-800-333-9071.*Certain restrictions and limitations may apply. Please see the“Terms & Conditions” section of this handbook for completebenefit details.4

membership benefitsDomestic Airline Ticket ProcessingFee DiscountAAA Premier Members will receive a lower processingfee when booking air tickets through the AAAOregon/Idaho Travel Agency. At least one of the travelersmust be a Premier member. Limit to four travelers perbooking.• Premier Members: $15• Basic and Plus Members: $25• Non-Members: $30How to Use: Call the AAA Air Express Desk at1-888-4AAA-FLY (1-888-422-2359) to book yourdomestic airline tickets. The Air Express Desk is openMonday through Friday, from 7:30 am to 5:30 pmPacific time. After hours, please leave a message or visitAAA.com.5

terms and conditions200 Mile TowAAA Premier Members receive four roadside assistance callsper member, per membership year, one of which can be atow of up to 200 miles.However:• All roadside assistance benefits apply to your existingcovered vehicles, with the exception of recreationalvehicles*, which are ineligible for the 200-mile tow.• If any service calls, or the 200-mile tow, are not usedduring a membership year, they cannot be accumulatedand carried over to the next membership year.• For any towing miles in excess of 200 miles for the200-mile tow benefit, or in excess of 100 miles forthe remaining tows during your membership yearmembers will pay for the excess mileage based on currentcommercial towing rates per mile.• Members can “save’’ their 200-mile tow at any timeduring a membership year by exercising the option to paycurrent commercial towing rates per mile on tows over100 miles.• Pre-existing breakdowns are not covered.• Roadside Assistance coverage provided in the U.S. andCanada only.*Service applies to all licensed, four-wheeled motor-drivenvehicles of the passenger, (including rental and commercialvehicles) if those services can be safely delivered withnormal automobile servicing equipment, including sling,wheel lift devices, flatbed car carriers, and dollies. Dualwheelcampers/motor homes are eligible for lockout, fueldelivery, and jump start services only. Dual-wheel unloadedpickup trucks are eligible for all services except tire service.Taxi cabs, sprinter vans, box vans and limousines areexcluded from coverage. Recreational vehicle coverageis only available to those members who hold AAA PlusRV Membership. The 200-mile tow benefit excludesrecreational vehicles.7

terms and conditionsThe rental may be compact to full-size car class.Standard Hertz rental qualifications apply (includingage, driver and credit qualifications). The car must bereturned to the location of rental. Taxes, fees, optionalservice charges, such as refueling, are not subject todiscount and are the responsibility of the renter. Nocoupons or promotions apply.TRAVEL INSURANCE ANDASSISTANCE SERVICESAAA Oregon/Idaho Premier Trip Interruption and VehicleReturn group insurance benefits and Assistance Services areprovided to all AAA Premier members as long as the MasterPolicy with BCS Insurance Company remains in force.These benefits are subject to the following conditionsand exclusions:Trip Interruption Coverage*What is CoveredCovered Persons on Covered Travel are reimbursed up to$1500 per trip for out-of-pocket expenses for the cost ofreasonable additional Accommodations and meal expensesand/or the cost of Substitute Transportation to continue thetrip, incurred as a result of overnight covered trip delay.Only expenses for the first 96 hours from the initial delayare eligible for coverage. The coverage only extends toCovered Travel in the United States and Canada.The covered reasons for delay are:1. Vehicle disablement due to mechanical failure (excludingtire trouble) or an accident that renders the Vehicleinoperable at least overnight;2. Theft of a Vehicle;3. Unexpected illness or injury requiring the CoveredPerson to receive treatment by a Physician who advisesdelay of the trip;4. Natural disasters; or5. Severe storms or unusual weather phenomena validatedby National Weather Service records.9

aaa premierWhat is not CoveredBenefits are not payable for travel which does not meetthe 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 drivenby an unlicensed driver or a driver who is not aCovered Person;8. Personal property which is damaged or destroyed;9. Any liability for injuries or property damage;10. The commission or attempted commission of anillegal 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 motorcompetition (including training);16. The cost of meals, accommodations and SubstituteTransportation resulting from delays caused by routinemaintenance or minor repairs to the Vehicle.In cases where the Covered Person rents a Vehicle forCovered Travel and the Vehicle is disabled or stolen, theCovered Person must make immediate contact with therental company after the disablement or theft occurs toarrange replacement of the Vehicle. If such contact is notattempted, the Covered Person will not be reimbursed forany expenses incurred as a result of the delay.Rental car expenses incurred by the Covered Person tocontinue the trip will be reimbursed only if the CoveredPerson rents a Vehicle of comparable or lesser class. Rentalsof expensive or exotic automobiles are excluded. Examplesof such automobiles include Aston-Martin, Bentley,Bricklin, Daimler, DeLorean, Excalibur, Ferrari, Jensen,10

terms and conditionsLamborghini, Lotus, Maserati, and Rolls-Royce.Substitute Transportation expenses on common carriertransportation will be reimbursed for economy fare only.Trip Interruption coverage is in excess of other insuranceor indemnity covering the losses covered under thisprogram. Expenses after 96 hours from the initial delayare not covered.Vehicle Return Coverage*What is CoveredCovered Persons on Covered Travel are reimbursed up to$500 for transportation of the Vehicle back to the CoveredPerson’s Primary Residence when an unexpected Illness orInjury prevents completion of the Covered Travel.The Vehicle must be operable. Transportation must beperformed by an accredited professional transport company.What is not CoveredIn addition to the exclusions listed under the TripInterruption Coverage, Vehicle Return benefits will notbe payable if the Vehicle is a rental vehicle or a Vehiclewith an original lease term of less than one year OR if thetransportation of the Vehicle could have been performedby a Covered Person or by a traveling companion of aCovered Person.Vehicle Return coverage is in excess of other insurance orindemnity covering the losses covered under this program.Expenses after 96 hours from the initial delay arenot covered.GENERAL PROGRAM PROVISIONSThis guide to benefits and services is not a policy orcontract of insurance, but is your most complete source ofinformation. Please be sure to keep it in a safe place.All information contained in the section titled document issubject to the terms and conditions of the Master Policy, acopy of which is in the possession of AAA Oregon/Idaho.The terms and conditions of the Master Policy agree with11

aaa premierthe 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 allthings reasonably prudent to avoid or diminish any loss.AGA Service Company will not unreasonably apply thisprovision to avoid claims hereunder.AAA Premier Trip Interruption and Vehicle Returnbenefits are not combinable with AAA Basic or AAA PlusAccident Away From Home protection. AAA Basic or AAAPlus Accident Away From Home protection may be usedin lieu of the AAA Premier Trip Interruption and VehicleReturn benefits.How to File a claimPlease gather the information below if you have a coveredloss during your Covered Travel as it will be requestedwhen you file a claim upon returning home. All claimsmust be reported to AGA Service Company within 60days from the date of loss or as soon after that date as isreasonably possible.Once you report a claim, the Service Associate will set up aclaim file for you and send you a claim form. You must sendwritten proof of loss, including any required informationnecessary to support the claim, to AGA Service Companywithin 90 days from the date of loss, or as soon after thatdate as reasonably possible, and in no event, except in theabsence of legal capacity, later than one year from the timeproof is otherwise required.General Documentation:1. Receipts and itemized bills for all expenses (such asitemized 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;6. Copy of invoice from accredited professional transportcompany (Vehicle Return Benefit).12

terms and conditionsDEFINITIONS“AAA Premier Member” means a AAA Oregon/IdahoPremier Member, AAA Premier adult associate or AAAPremier dependent associate in good standing.“Accident” means an unexpected, unintended unforeseeableevent causing Injury or property damage.“Accommodations” means temporary lodging in anestablishment licensed to provide temporary lodging topaying guests.“Covered Person” means a AAA Premier Member whosePrimary Residence is in the United States and his/herImmediate Family Members traveling in the same Vehicleduring Covered Travel.“Covered Travel” means a planned leisure automobiletrip in the Covered Person’s Vehicle which has taken theCovered Person at least one hundred (100) driving milesfrom his or her Primary Residence when the incidentoccurs; which was intended to include at least oneovernight stay within the United States or Canada; andwhich does not exceed, and was not planned to exceed,forty-five (45) consecutive days. Please note: the CoveredPerson must be at least 100 driving miles from the AAAPremier Member’s Primary Residence when the incidentoccurs 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 ofbecoming 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 aloss that begins during Covered Travel.“Immediate Family Member” means the AAA PremierMember’s spouse and/or unmarried dependent childrenage 21 or under, including stepchildren and legallyadopted children. A grandparent traveling with his or her13

aaa premiergrandchild who is a AAA Premier dependent associate isalso considered an Immediate Family Member.“Injury” means bodily Injury caused by an Accident,directly and independently of all other causes and sustainedduring Covered Travel. Benefits for Injury will not bepaid for any loss caused by sickness or other bodily diseasesor infirmity.“Physician” means a person who is licensed and legallyentitled to practice medicine and who is not a CoveredPerson or an Immediate Family Member of, nor related to,a Covered Person.“Primary Residence” means the AAA Premier Member’sbilling address which is recognized by AAA Oregon/Idaho,and which must be in the United States.“Substitute Transportation” means any form of commoncarrier transportation (i.e. licensed for the transportationof fare-paying passengers, with the exclusion of taxis andlimousines) and/or a rental car of equal or lesser vehicleclass to the Vehicle. Expensive or exotic automobiles areexcluded under this definition.“Vehicle” means any two-axle motor vehicle designated forprivate use for travel on paved public roads in which theCovered Person is either driving or riding as a passenger.Moving vans are excluded. [AAA Oregon/Idaho alsospecifically includes motorcycles and specifically excludesbox vans, sprinter vans, off-road vehicles, bicycles, motorhomes and trailers.]“We, Us, or Our” refers to BCS Insurance Company andits agents.*Insurance coverage is underwritten by BCS InsuranceCompany under Form No. 50.233B. AGA ServiceCompany is the licensed producer and administratorfor this plan.14

terms and conditionsMEMBERSHIP EXPIRATION POLICYMembership dues are billed annually. Updated membershipcards for the new membership year (including an updatedmembership expiration date) are provided to you in advancewith the first dues bill we send.You should have your current membership card with youwhen requesting service. All membership services (includingroadside assistance) will continue to be available to youduring a grace period of 30 days after your membershipexpiration date. From 31 to 60 days past your membershipexpiration date you will be required to pay your renewaldues prior to receiving roadside assistance services. Allservices other than roadside assistance will continue to beavailable during a period of 60 days after your membershipexpiration date, even if we have not received your renewaldues. Your membership will be cancelled after 60 days pastyour membership expiration date unless your renewal duesare paid in full.If you pay your renewal dues during the 60 day periodafter your expiration date, your new expiration date willbe one year after your previous expiration date, and nonew member enrollment fee will be required. If yourmembership has been cancelled, and you then later chooseto reinstate your membership, you may be required topay the new member enrollment fee as well as applicablemembership dues. A new membership card and a newexpiration date will be assigned at that time.Please call 1-800-AAA-HELP for questions aboutmembership billing, cards or expiration.Terms and conditions of membership are subject to changewithout notice.15

aaa premierPRIVACY STATEMENT andother disclosuresAt AAA Oregon/Idaho (“AAA”), we value our members, andwe respect the privacy of all those who share informationwith us (whether or not they are members). We use yourpersonal information to better understand your needs, toimprove our products and services, to improve our website,to contact you for marketing purposes, to administercontests, promotions, and surveys, to process and fill anyorders you place, and for other similar business purposes. Wemaintain our membership records under stringent guidelinesdesigned to protect our members’ privacy. AAA will not sellor rent your personal information to third parties, but wesometimes share your personal information with third partiesin order to market and/or provide products and services toyou. In addition, AAA may share your personal informationpursuant to subpoena or as otherwise required or authorizedby law. For a more detailed description of AAA’s privacypolicy, please see www.AAA.com/privacy or call us at(503) 222-6755 to request a copy by mail.All membership applications are subject to acceptance bythe Club. The annual subscription price for Via Magazineis included in your membership dues. This amount cannotbe deducted.In addition to dues paid by members, AAA Oregon/Idahoreceives commissions and other payments from thirdparties in connection with the products and servicesprovided to its members.AAA Membership is not a contract of insurance.Rev. 3/1316

Important CONTACTINFORMATIONAAA Premier Member Services:1-800-333-9071International Travel Assistance Line:1-804-673-7483 (collect call)Your Local AAA Service Center:1-800-333-9051www.AAA.com/PremierMembership means more. ®FSC LOGO PlaceholderWhite background withblack logo/textPREM-67ID