Does my coverage transfer to rental or loaner vehicles?

No. The agreement BAA has with the state that allows us to operate indicates we can only provide coverage on vehicles that are owned by members of the Church of God in Christ, Mennonite.

Is there a grace period for coverage on newly acquired vehicles?

There is a grace period for provisional purposes only. BAAC is not responsible for vehicles not entered in the program. Upon acquiring a vehicle you need to contact or at least send a message to BAAC that this vehicle has been acquired. After this has been done there is a grace period in which it may be assumed that the vehicle is entered. If you have not heard back within 30 days you should contact BAAC again to insure the message has been received.

What is comprehensive coverage?

Comprehensive coverage includes breakage of glass, loss caused by projectiles, falling objects, fire, theft, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot, civil commotion, animal collision, or hit and run collision. The personal responsibility for comprehensive losses is $250.00 or for heavy equipment $1000.00.

What is collision coverage?

Collision means your car upset or hit or was hit by a vehicle or other object. The personal responsibility for collision losses is $500.00 or for heavy equipment $1000.00.

Is the BAA Loss Report Form necessary?

Yes. The loss report form provides BAA with important information to process your claim correctly. The one exception to using a claim report is for glass claims.

Do I need to file my claim within a certain time frame?

While MUA does have a board-mandated timely filing of thirty days, BAA does not have a timely filing limit. However, we do appreciate the claims filed in a timely manner.

Do I need to get two estimates for repair?

When there is a loss, you shall also provide BAA with an estimate from a reliable body shop as to the repair work needed. Only one estimate is required if: (1) the body shop is owned by a member of the Church of God in Christ, Mennonite, or (2) the loss amount is less than $5,000.00, or (3) the vehicle is legally or mechanically not drivable, or (4) it is a glass loss. If damage exceeds $5,000.00, only one estimate is required if the body shop obtains pre-approval for their estimate from the BAA office before repairs with direct payment issued to said body shop. If two estimates are filed, BAA will make a settlement according to the lowest estimate received.

Does BAA pay on claims if the driver of my vehicle is not properly licensed according to law?

If the loss occurs on a public road, BAA is not responsible for the loss incurred. If the loss occurs on private property, BAA is only responsible for fifty percent of the loss incurred. How does BAA process glass claims? BAA requires one estimate for glass claims. The Board of Directors has established glass payment rates. Glass repair claims (chips, stars, etc.) are paid at 100% with no deductible. Glass replacement rates are as follows: Glass at 15% below NAGS list price; Urethane at $20.00 per kit; Labor at $100.00 flat rate. All glass replacement claims are subject to a $100.00 member responsibility or for heavy trucks $200.00. All glass claims in excess of these established rates are the responsibility of the policyholder.

What if my vehicle is totaled?

Do I still need two estimates? If a credible body shop indicates the cost of repair is more than the current value of the vehicle, only one estimate is needed. However, BAA does require two salvage bids on vehicles that are totaled.

Why are salvage bids required?

Typically, insurance companies pay out a vehicle in full and take ownership of the vehicle in case of a write off. BAA is an aid plan, and does not have the infrastructure to dispose of salvage vehicles, so we prefer to deduct the highest of the salvage bids from our payment. You retain ownership of the vehicle and can do with it what you choose. However, we require you to obtain salvage bids in order to determine the residual value of your vehicle.

What if I can find a salvage bid higher than the ones I turned in?

In order to make the BAA program fair and equal for all subscribers, due diligence should be given to find the best salvage value available. You need to turn in the highest bid you receive. If you feel uncomfortable dealing with the highest bidder due to fraudulent reputation or high freight costs please share this with BAA. Once settlement has been made, you assume full responsibility for the vehicle.

What if the total repair bill turns out differently than the estimate filed with BAA?

If the total repair bill is more than the estimate filed with us, BAA will gladly make a supplemental payment to you. If the total repair bill is less than the amount we paid you on the claim, the difference should be repaid to BAA.

Does BAA pay for towing or storage?

BAA will pay up to $1300.00 for towing and/or storage (accident only) charges and up to $6700.00 for trucks and heavy trailers. This benefit is included in your policy at no extra cost. Please include towing and/or storage invoices when you file your claim.