AAA Class Action Settlements in Illinois
AAA class action settlements that covered Illinois residents — and where each one now stands.
Last checked: August 11, 2026 · By Class Action Buddy
Illinois residents have no confirmed open class action settlements involving AAA right now. The AAA settlement below has closed — the claim deadline has passed and no new claims can be filed. If you are looking for something you can still claim, our list of open settlements is checked against each administrator.
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Closed AAA Settlements for Illinois Residents (1)
This AAA settlement is no longer accepting claims. It closed on the date shown and the deadline cannot be reopened. It is listed here because the settlement and its administrator are a matter of record and people still search for it. For settlements that are open today, see our list of open settlements.
$4.15M AAA underinsured motorist claims class action settlement
Up to $25,000New Mexico AAA policyholders with UM/UIM coverage (2010-2022) may claim up to $25,000 from this $4.15M underinsured motorist settlement.
About AAA Class Actions in Illinois
Before you read on: the AAA settlement described below has closed. This section explains what it was about and who was covered, which is still worth knowing — but it cannot be claimed now. See settlements that are open today.
AAA serves over 500,000 members across Illinois through multiple regional clubs, including AAA Chicago Motor Club and AAA-Allied Group. The company operates dozens of branch offices throughout the state, from downtown Chicago to Springfield and Rockford. Illinois residents benefit from the state's Consumer Fraud and Deceptive Business Practices Act, which provides stronger protections than federal law for insurance-related disputes. This statute allows consumers to recover actual damages plus attorney fees in successful cases against insurers like AAA. The Illinois Department of Insurance also maintains strict oversight of auto insurance practices, requiring insurers to handle underinsured motorist claims fairly. Illinois follows a modified comparative negligence rule, meaning even partially at-fault drivers can recover damages. Class action lawsuits in Illinois must meet specific certification requirements under state court rules, and the state's two-year statute of limitations for insurance bad faith claims is shorter than some neighboring states. The $4.15 million AAA underinsured motorist settlement demonstrates that Illinois courts will hold major insurers accountable for claim handling failures.
AAA Settlements in Illinois: FAQs
What was the AAA underinsured motorist settlement about in Illinois?
The $4.15 million class action settlement resolved allegations that AAA improperly handled underinsured motorist claims by failing to adequately investigate coverage limits and delaying payments. Illinois policyholders who experienced claim denials or delays between specific dates were eligible for compensation. The settlement required AAA to change its claim handling procedures and provide monetary relief to affected Illinois members.
How does Illinois insurance law protect AAA policyholders?
Illinois requires all auto insurers, including AAA, to offer underinsured motorist coverage and handle claims in good faith under state insurance regulations. The Illinois Consumer Fraud Act provides additional remedies beyond standard insurance law, allowing successful plaintiffs to recover attorney fees. Illinois courts have consistently ruled that insurers must thoroughly investigate claims and cannot unreasonably delay payments to policyholders.
Can Illinois residents still file claims against AAA for underinsured motorist issues?
Individual claims for recent incidents may still be possible under Illinois insurance bad faith law, but the specific class action settlement has closed. Illinois residents have two years from the date of claim denial or improper handling to file suit. Consulting with an Illinois attorney experienced in insurance disputes is essential to evaluate current claims against AAA or other insurers.
Tips for Illinois Residents Filing AAA Claims
Illinois residents should document all communications with AAA representatives and maintain detailed records of accident reports, medical bills, and repair estimates. File complaints with the Illinois Department of Insurance if AAA delays or denies valid claims, as the department investigates consumer complaints and can pressure insurers to resolve disputes. Consider consulting an Illinois insurance attorney before accepting low settlement offers, especially for underinsured motorist claims where coverage limits may be disputed. Review your AAA policy annually to ensure adequate underinsured motorist coverage, as Illinois minimum requirements may not fully protect against serious accidents involving uninsured drivers.
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