Bought a car brand new off the lot 10days later we get side swiped by someone. Car is a written off as a total loss and the other party's insurance assumed 100% liability. The problem I have with AA is they kept my 12month prepaid insurance as a premium even though it wasn't my fault. If it wasn't my fault why am I paying anything at all? AA should be recouping all costs and expenses from the other Insurance company that claimed liability. I didn't ask to be hit in my car. AA you're supposed to represent your customers not line your pockets with our money. I have since gone with State Insurance.