Have you ever checked your credit card statement and spotted a AIC Motor Club charge on credit card that left you scratching your head? You’re not alone. Many people see this charge and wonder what it is, where it came from, and whether it’s legitimate.
What Is AIC Motor Club?
AIC Motor Club is a roadside assistance service linked to Allstate Motor Club. It’s designed to help drivers when they’re stuck on the road. Think flat tires, dead batteries, or running out of gas.
Table of Contents
For a membership fee, AIC Motor Club offers peace of mind with 24/7 support. But here’s the catch: the charge might show up as “AIC*MOTOR CLUB” on your credit card, and it’s not always clear why it’s there.
The service is popular because it covers emergencies across the U.S. and Canada. Membership plans vary, with costs ranging from around $89 to $179 per year, depending on the level of service.
Some plans include extras like travel discounts or longer towing distances. If you signed up for this service (or someone added it to your Allstate insurance), that’s likely why you see the charge.
Why Do AIC Motor Club Charges Appear?
Seeing an unexpected charge can be frustrating. Let’s look at the common reasons why AIC Motor Club might show up on your statement:
- Membership Subscription: You or someone in your household signed up for AIC Motor Club, possibly as part of an Allstate insurance package. The charge is usually annual, but it can feel like a surprise if you forgot about it.
- Automatic Renewal: Many memberships renew automatically. If you didn’t cancel, the charge might appear yearly without warning.
- Bundled Services: Sometimes, roadside assistance is bundled with car insurance. You might not realize you’re paying for it separately.
- Mistaken Identity: In rare cases, the charge could be a mistake or even fraud. This is less common but worth checking.
| Reason for Charge | Frequency | Typical Amount |
|---|---|---|
| Annual Membership | Once a year | $89–$179 |
| Automatic Renewal | Once a year | $89–$179 |
| Bundled with Insurance | Varies | $10–$15/month |
| Potential Fraud | Irregular | Varies |
What Services Does AIC Motor Club Offer?
If you’re paying for AIC Motor Club, you might want to know what you’re getting. Here’s a quick rundown of their key services:
- Roadside Assistance: Help with flat tires, jump-starting batteries, or unlocking your car if you’re locked out.
- Towing: They’ll tow your vehicle to a nearby repair shop if it can’t be fixed on the spot.
- Fuel Delivery: Ran out of gas? They’ll bring you enough to get to a station.
- Travel Discounts: Some plans offer deals on hotels, car rentals, or other travel perks.
These services can be a lifesaver, especially if you drive a lot or travel long distances. But if you’re not using them, it’s worth checking if the membership is worth the cost.
How to Spot AIC Motor Club Charges
Credit card statements can be tricky to read. AIC Motor Club charges usually appear as:
- AIC*MOTOR CLUB
- AIC*MOTOR CLUB 800-347-8880 IL
- PURCHASE AIC*MOTOR CLUB IL
They might be listed under categories like “auto services” or “memberships.” To confirm, check the amount and date. Annual charges are typically $89 or more, while monthly charges (if bundled with insurance) might be smaller, like $10–$15. If you see multiple charges or amounts that don’t match, it’s time to investigate.
What to Do If You See an Unexpected Charge
Found a charge you don’t recognize? Don’t panic. Follow these steps to figure it out:
- Check Your Records: Look for any emails, receipts, or Allstate documents mentioning AIC Motor Club. You might have signed up without realizing it.
- Contact AIC Motor Club: Call their customer service at (800) 347-8880 or (877) 597-3393. Ask about the charge and your membership status. They can confirm if it’s legit.
- Review Your Insurance: If you have Allstate insurance, check if roadside assistance was added to your policy. Sometimes, it’s included without clear notice.
- Dispute the Charge: If you think it’s fraud or unauthorized, contact your bank or credit card company right away. They can help you dispute the charge and may reissue your card.
- Cancel If Needed: Don’t want the service? Call AIC Motor Club to cancel. Make sure to get a confirmation to avoid future charges.
| Action | Contact Info | Expected Outcome |
|---|---|---|
| Verify Charge | (800) 347-8880 | Confirm membership details |
| Cancel Membership | (877) 597-3393 | Stop future charges |
| Dispute Fraud | Your bank’s fraud department | Refund and possible card reissue |
Is AIC Motor Club Worth It?
Whether AIC Motor Club is worth the cost depends on your needs. If you drive often, live in a remote area, or want peace of mind, the services can be valuable.
For example, a single tow can cost $100 or more without coverage, so the $89 annual fee might save you money. But if you rarely drive or already have similar coverage (like through AAA), you might not need it.
Before deciding, ask yourself:
- How often do I need roadside help?
- Do I already have coverage elsewhere?
- Are the travel discounts useful to me?
If the answer is no to most of these, consider canceling to save money.
FAQs: AIC Motor Club Charge on Credit Card
Q. Why am I being charged by AIC Motor Club?
A. You’re likely being charged for a roadside assistance membership, either standalone or bundled with Allstate insurance. Check your membership or insurance documents to confirm.
Q. How do I cancel my AIC Motor Club membership?
A. Call (877) 597-3393 or contact Allstate through their website (www.allstatemotorclub.com). Request cancellation and ask for written confirmation.
Q. Is AIC Motor Club a scam?
A. AIC Motor Club is a legitimate service tied to Allstate. However, unauthorized charges can happen due to fraud or errors. Contact Allstate and your bank if you suspect a problem.
Q. Can I get a refund for an unauthorized charge?
A. Yes, if the charge is fraudulent or a mistake, contact AIC Motor Club at (800) 347-8880. If they can’t help, dispute the charge with your bank.
Final Thoughts
AIC Motor Club charge on credit card can catch you off guard, but they’re usually tied to a legitimate roadside assistance service. By understanding what the charge is, checking your membership status, and taking action if needed, you can avoid surprises and make informed decisions.
Whether you keep the service or cancel it, the key is staying on top of your credit card statements. A little attention now can save you a lot of hassle later.
Disclaimer: This blog is for informational purposes only and does not constitute financial or legal advice. Always verify charges with your bank and service providers. If you suspect fraud, contact your financial institution immediately.
About The Author
