I recently had to sign up for an independent auto insurance policy and did so through AAA. My family have always been AAA members and this was one of the most affordable options around. The policy was credited with all kinds of discounts like Anti-Theft, Good Student, Passive Restraint, Multi-Vehicle, etc. I am curious to know how much my policy would have cost to not have somebody on my side!
One of my cars was also totaled and I didn't have to do anything besides call in the other driver's information and confirm the address I wanted my check sent to.