American Automobile Association (AAA)

not-for-profit motor-club federation

American Automobile Association (AAA)

Industry Mobility

A not-for-profit federation of regional auto clubs selling roadside assistance, insurance, travel, financial, and membership services across North America. AAA provides a genuinely useful emergency service, but automatic-renewal design, car-dependency alignment, sensitive data practices, and insurance-affiliate data sharing keep it in the lower middle of the directory.

Why this matters: AAA is a useful calibration case: a member-facing nonprofit service can still pressure customers through renewal design and collect or share sensitive mobility and insurance data.

Letter grade D Extractive Medium confidence (AI) Rubric gcd-rubric-v1

Final Score 8* D - Extractive

* Tentative scaffolding score. Not human-checked or final.

Base Material29
Bonus+0
Cap41Ownership <= 4 and Governance <= 4
After Cap29
Penalties-21
G
Private Government badge

American Automobile Association (AAA) receives the Private Government badge because it combines large-scale private rule-setting over customers, workers, users, members, or counterparties with OpenLobby-documented lobbying of about $888K on public policy issues.

Evidence: [12]

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Evaluation Overview

D - Extractive

The score turns mainly on Ownership, with the largest penalty coming from Policy Capture.

Strengths

  • Ownership4/10
  • Governance4/10
  • Extraction4/10

Penalties

  • Policy Capture-5
  • High-Carbon Products-5
  • Subscription Capture-3
  • Surveillance Capture-3

Evidence state

  • ConfidenceMedium confidence (AI)
  • ThoroughnessPartial (AI)
  • Linked claims12
  • Direct axis claims11
  • Coverage11/16

Scoring Axes

Axis Score Why this score
Ownership
?
Control rights: shareholder-dominated at 0, worker cooperative control at 10.
4 / 10

The linked record identifies AAA as a not-for-profit federation of affiliated independent motor clubs, with no shareholders, more than 1,000 offices in the United States and Canada, and more than 61 million members.

Calibration notes

Comparative anchor: AAA calibration: compare with credit unions, nonprofit membership associations, automakers, insurers, and subscription-heavy consumer platforms.

Uncertainty
  • Direct bylaws and member voting rights for each regional club would improve calibration.
Linked evidence
  • AAA describes itself as a not-for-profit federation of affiliated independent motor clubs, with no shareholders, more than 1,000 offices in the United States and Canada, and more than 61 million members. [1]
Governance
?
Binding decision authority: centralized control at 0, democratic stakeholder control at 10.
4 / 10

The linked record identifies AAA as a not-for-profit federation of affiliated independent motor clubs, with no shareholders, more than 1,000 offices in the United States and Canada, and more than 61 million members.

Calibration notes

Comparative anchor: AAA calibration: compare with credit unions, nonprofit membership associations, automakers, insurers, and subscription-heavy consumer platforms.

Uncertainty
  • Direct board-election and member-participation evidence for major clubs would improve this score.
Linked evidence
  • context AAA describes itself as a not-for-profit federation of affiliated independent motor clubs, with no shareholders, more than 1,000 offices in the United States and Canada, and more than 61 million members. [1]
Extraction
?
Surplus allocation, wage share, CEO pay ratio, margins, and structured extraction judgment.
4 / 10

AAA presents roadside assistance as its best-known member service and also offers services intended to make car ownership and travel easier, including travel, insurance, financial, and related member services through AAA clubs and affiliates.

Calibration notes

Comparative anchor: AAA calibration: compare with credit unions, nonprofit membership associations, automakers, insurers, and subscription-heavy consumer platforms.

Uncertainty
  • More financial detail on club surplus, executive pay, contractor economics, and insurance-affiliate economics would improve calibration.
Linked evidence
  • context AAA presents roadside assistance as its best-known member service and also offers services intended to make car ownership and travel easier, including travel, insurance, financial, and related member services through AAA clubs and affiliates. [2]
  • context AAA Northeast's membership terms require members using the monthly payment plan to agree to automatic renewal, allow automatic renewal charges up to thirty days before expiration, and make monthly-plan cancellations ineligible for partial-month or partial-quarter refunds; AAA Mountain West Group terms state an automatic-renewal discount is one-time only and cancellation cannot be made by email. [3]
Labor Sovereignty
?
Worker power: coercive conditions at 0, co-determination or ownership at 7. Employee dissatisfaction matters only when source-backed evidence shows concrete limits on worker agency, such as coercive scheduling, retaliation, wage theft, harassment, unsafe conditions, suppression of worker voice, or extreme turnover.
3 / 7

AAA Mountain West Group terms describe emergency road service as involving independent contractor service providers and state that AAA does not control the availability or manner in which those independent contractors render services.

Calibration notes

Comparative anchor: AAA calibration: compare with credit unions, nonprofit membership associations, automakers, insurers, and subscription-heavy consumer platforms.

Uncertainty
  • Worker voice, unionization, contractor terms, and roadside-service provider economics remain underdeveloped in this profile.
Linked evidence
  • AAA Mountain West Group terms describe emergency road service as involving independent contractor service providers and state that AAA does not control the availability or manner in which those independent contractors render services. [4]
Solidarity with the Unemployed
?
Treatment of exits and nonworkers, including severance, redeployment, and non-competes.
2 / 7

AAA Mountain West Group terms require an active membership, current dues and fees, a valid membership card, matching identification, and member presence for emergency road service eligibility, making the benefit dependent on paid membership standing.

Calibration notes

Comparative anchor: AAA calibration: compare with credit unions, nonprofit membership associations, automakers, insurers, and subscription-heavy consumer platforms.

Uncertainty
  • Severance, redeployment, contractor downturn protections, and low-income access evidence would improve this score.
Linked evidence
  • AAA Mountain West Group terms require an active membership, current dues and fees, a valid membership card, matching identification, and member presence for emergency road service eligibility, making the benefit dependent on paid membership standing. [5]
Loss-Bearing Fidelity
?
Willingness to absorb costs to preserve values, workers, users, and public obligations.
3 / 7

AAA Northeast's membership terms require members using the monthly payment plan to agree to automatic renewal, allow automatic renewal charges up to thirty days before expiration, and make…

Calibration notes

Comparative anchor: AAA calibration: compare with credit unions, nonprofit membership associations, automakers, insurers, and subscription-heavy consumer platforms.

Uncertainty
  • More detail on hardship policies, roadside contractor compensation, and refund practices across clubs would improve calibration.
Linked evidence
  • context AAA Northeast's membership terms require members using the monthly payment plan to agree to automatic renewal, allow automatic renewal charges up to thirty days before expiration, and make monthly-plan cancellations ineligible for partial-month or partial-quarter refunds; AAA Mountain West Group terms state an automatic-renewal discount is one-time only and cancellation cannot be made by email. [3]
Market Conduct
?
Pricing fairness, switching costs, lock-in, and rent extraction.
2 / 5

AAA Northeast's membership terms require members using the monthly payment plan to agree to automatic renewal, allow automatic renewal charges up to thirty days before expiration, and make…

Calibration notes

Comparative anchor: AAA calibration: compare with credit unions, nonprofit membership associations, automakers, insurers, and subscription-heavy consumer platforms.

Uncertainty
  • Complaint data and club-by-club cancellation-flow testing would improve market-conduct confidence.
Linked evidence
  • context AAA Northeast's membership terms require members using the monthly payment plan to agree to automatic renewal, allow automatic renewal charges up to thirty days before expiration, and make monthly-plan cancellations ineligible for partial-month or partial-quarter refunds; AAA Mountain West Group terms state an automatic-renewal discount is one-time only and cancellation cannot be made by email. [3]
  • context AAA Club Alliance terms allow automatic-renewal cancellation through several channels but also reserve nonrefundable enrollment fees and limited refunds after the first seven days, while separate AAA Northeast monthly-payment terms add automatic-renewal and partial-refund limits; AAA Club Alliance terms also ask members to consent to autodialed or prerecorded membership and marketing messages. [6]
Product Integrity
?
Preservation of quality rather than degradation for monetization.
4 / 5

AAA presents roadside assistance as its best-known member service and also offers services intended to make car ownership and travel easier, including travel, insurance, financial, and related member services through AAA clubs and affiliates.

Calibration notes

Comparative anchor: AAA calibration: compare with credit unions, nonprofit membership associations, automakers, insurers, and subscription-heavy consumer platforms.

Uncertainty
  • Independent service-quality, claim-denial, and dispatch-reliability data would improve product-integrity confidence.
Linked evidence
  • AAA presents roadside assistance as its best-known member service and also offers services intended to make car ownership and travel easier, including travel, insurance, financial, and related member services through AAA clubs and affiliates. [2]
Scale Integrity
?
Whether growth improves or degrades fairness and accountability.
3 / 5

The linked record identifies AAA as a not-for-profit federation of affiliated independent motor clubs, with no shareholders, more than 1,000 offices in the United States and Canada, and more than 61 million members.

Calibration notes

Comparative anchor: AAA calibration: compare with credit unions, nonprofit membership associations, automakers, insurers, and subscription-heavy consumer platforms.

Uncertainty
  • Club-by-club governance and privacy consistency across the federation would improve scale-integrity confidence.
Linked evidence
  • context AAA describes itself as a not-for-profit federation of affiliated independent motor clubs, with no shareholders, more than 1,000 offices in the United States and Canada, and more than 61 million members. [1]
  • context AAA Club Alliance defines personal information to include sensitive identifiers, payment data, insurance information, health information, biometric identifiers, and geolocation information; its mobile tools may transmit location-services data to AAA. CSAA Insurance Group, an AAA-related insurance company under AAA terms, says it collects sensitive personal information including driver-license, Social Security, health, account-login, and precise geolocation data, and may share personal information and sensitive personal information with AAA clubs, affiliates, consumer reporting agencies, insurance support organizations, claims representatives, medical-care institutions, regulators, law enforcement, and others. [7]

Penalties

Penalty Applied Why this penalty
Ecological Harm
?
Footprint, trajectory, irreversibility, culpability, and scale, including whether ecological harm is central to the model and continued after credible notice. Range: -30 to 0.
-2

The linked record identifies AAA as a motor-club federation founded by independent motor clubs and says it has advocated for safe, efficient highways while offering services to make car ownership and travel more enjoyable.

Calibration notes

Comparative anchor: AAA calibration: -2 reflects auto-dependency alignment, below automakers and fossil-fuel companies because AAA does not itself manufacture cars or fuel.

Uncertainty
  • A later pass should review AAA lobbying, EV transition policy, and highway-expansion advocacy in more detail.
Linked evidence
  • AAA describes itself as a motor-club federation founded by independent motor clubs and says it has advocated for safe, efficient highways while offering services to make car ownership and travel more enjoyable. [8]
Policy Capture
?
Private-interest attempts to bend law, regulation, subsidies, taxes, enforcement, trade, labor, safety, competition, environmental, healthcare, housing, surveillance, civil-liberties, or consumer policy against workers, customers, citizens, affected communities, or ecological life. Public-interest advocacy is not penalized merely because it is lobbying. Range: -15 to 0.
-5

OpenLobby records AMERICAN AUTOMOBILE ASSOCIATION lobbying on transportation, automotive, tourism, technology with about $888K in spending across 33 filings; the reviewed filings document…

Linked evidence
  • OpenLobby records AMERICAN AUTOMOBILE ASSOCIATION lobbying on transportation, automotive, tourism, technology with about $888K in spending across 33 filings; the reviewed filings document private institutional lobbying over public rules rather than a public-interest advocacy role. [10]
High-Carbon Products
?
Core products, services, financing, or supply chains that materially depend on fossil-fuel combustion, high-emissions transport, industrial animal agriculture, meat, dairy, or other unusually carbon-intensive activity. This is scored separately from general ecological harm so ordinary consumers can see carbon-intensive product exposure directly. Range: -10 to 0.
-5

Combustion transport, vehicle fleets, fuel, rental trucks, or transport platforms create material high-carbon exposure.

Linked evidence
  • American Automobile Association (AAA) has combustion transport exposure high-carbon product exposure based on its listed business model and current profile description: A not-for-profit federation of regional auto clubs selling roadside assistance, insurance, travel, financial, and membership services across North America. AAA provides a genuinely useful emergency service, but automati… [11]
Subscription Capture
?
Manipulative recurring-payment, automatic-renewal, cancellation-friction, bundling, trial-conversion, or refund designs that profit from inertia or confusion. Range: -5 to 0.
-3

AAA Northeast's membership terms require members using the monthly payment plan to agree to automatic renewal, allow automatic renewal charges up to thirty days before expiration, and make…

Calibration notes

Comparative anchor: Subscription Capture calibration: -3 is below Amazon and Adobe because AAA provides a concrete emergency service and published cancellation routes, but above ordinary subscriptions because monthly payment, automatic renewal, early charging, channel limits, and partial-refund rules create meaningful exit friction.

Uncertainty
  • Club-by-club signup screens, cancellation UX, and refund handling would improve calibration.
Linked evidence
  • AAA Northeast's membership terms require members using the monthly payment plan to agree to automatic renewal, allow automatic renewal charges up to thirty days before expiration, and make monthly-plan cancellations ineligible for partial-month or partial-quarter refunds; AAA Mountain West Group terms state an automatic-renewal discount is one-time only and cancellation cannot be made by email. [3]
Accountability Opacity
?
Material opacity, reputation laundering, or hidden accountability structures that prevent public accountability. Range: -2 to 0.
-2

AAA Club Alliance terms allow automatic-renewal cancellation through several channels but also reserve nonrefundable enrollment fees and limited refunds after the first seven days, while…

Calibration notes

Comparative anchor: AAA calibration: -2 is the full Accountability Opacity penalty because renewal and marketing terms materially affect user understanding and accountability.

Uncertainty
  • A club-by-club comparison of sign-up screens and cancellation paths would improve practical confidence.
Linked evidence
  • AAA Club Alliance terms allow automatic-renewal cancellation through several channels but also reserve nonrefundable enrollment fees and limited refunds after the first seven days, while separate AAA Northeast monthly-payment terms add automatic-renewal and partial-refund limits; AAA Club Alliance terms also ask members to consent to autodialed or prerecorded membership and marketing messages. [6]
  • context AAA Northeast's membership terms require members using the monthly payment plan to agree to automatic renewal, allow automatic renewal charges up to thirty days before expiration, and make monthly-plan cancellations ineligible for partial-month or partial-quarter refunds; AAA Mountain West Group terms state an automatic-renewal discount is one-time only and cancellation cannot be made by email. [3]
Surveillance Capture
?
Invasive surveillance, unreasonably non-optional tracking, facial recognition, biometric identification, or AI behavior scanning of customers, workers, bystanders, or the public. Range: -5 to 0.
-3

AAA Club Alliance defines personal information to include sensitive identifiers, payment data, insurance information, health information, biometric identifiers, and geolocation information; its mobile tools may transmit location-services data to AAA.

Calibration notes

Comparative anchor: AAA calibration: -3 is below data brokers, Palantir, and the worst connected-car cases, but above ordinary website analytics because sensitive mobility, insurance, identity, health, and geolocation data are involved.

Uncertainty
  • A later pass should review every major AAA club privacy notice and telematics/insurance app practices.
Linked evidence
  • AAA Club Alliance defines personal information to include sensitive identifiers, payment data, insurance information, health information, biometric identifiers, and geolocation information; its mobile tools may transmit location-services data to AAA. CSAA Insurance Group, an AAA-related insurance company under AAA terms, says it collects sensitive personal information including driver-license, Social Security, health, account-login, and precise geolocation data, and may share personal information and sensitive personal information with AAA clubs, affiliates, consumer reporting agencies, insurance support organizations, claims representatives, medical-care institutions, regulators, law enforcement, and others. [7]
Ideological Disavowal
?
Concealed ideology presented as neutrality, expertise, professional necessity, public-service administration, market inevitability, or non-ideological common sense while exercising power. Range: -3 to 0.
-1

AAA presents itself through member service, safety, and convenience language while the evaluated record also shows car-dependency alignment, automatic-renewal friction, marketing consent,…

Calibration notes

Comparative anchor: AAA calibration: -1 for bounded public-service framing that softens car-dependency, subscription, and data issues without fully concealing the institution's standpoint.

Uncertainty
  • A closer language-analysis pass could compare AAA public-interest and safety claims with lobbying, privacy, and subscription practices.
Linked evidence
  • AAA presents itself through member service, safety, and convenience language while the evaluated record also shows car-dependency alignment, automatic-renewal friction, marketing consent, and sensitive data practices that are not foregrounded in that public-service framing. [9]

Bonus Credits

No bonus credits applied in this version.

Confidence Basis

Confidence Basis

Confidence is computed from the evidence trail and review state, not typed into the profile by hand.

Medium 72/100

11 verified linked claims 11 direct axis claims 0 disputed claims 11/16 components covered

This confidence label measures the source-backed evidence trail. AI-scaffolded scores remain tentative until human review.

Claim confidence 16/20

11 verified linked claims

Source quality 12/18

Best source per verified claim, weighted by institutional reliability

Direct axis-specific claims 9/18

11 direct claims across 16 active components

Dispute load 12/12

0 disputed claims on this entity

Recency 10/10

Newest accepted timestamp: May 13, 2026

Reviewer status 7/12

Human-reviewed components score higher than AI scaffolding

Component coverage 7/10

11/16 evidence-bearing components have direct support

Evidence State

Evidence State

Profile stateAI draft / human-pending
VerificationUnverified
ConfidenceMedium confidence (AI)
ThoroughnessPartial (AI)
Correction routeUse “Challenge this rating” for factual errors, missing counterevidence, source problems, or calculation mistakes.
Company responseCompany representatives can submit source-backed corrections; payment never changes scores or reviewer authority.

Claims and Sources

Claims are the evidence record. Each claim needs a source link, axis category, status, confidence level, and timestamp before it can support a score.

* Tentative scaffolding score. Not human-checked or final.
1AAA describes itself as a not-for-profit federation of affiliated independent motor clubs, with no shareholders, more than 1,000 offices in the United States and Canada, and more than 61 million members.

Ownership Verified High confidence AI-generated / human-pending

AI scaffold

2AAA presents roadside assistance as its best-known member service and also offers services intended to make car ownership and travel easier, including travel, insurance, financial, and related member services through AAA clubs and affiliates.

Product Integrity Verified Medium confidence AI-generated / human-pending

AI scaffold

3AAA Northeast's membership terms require members using the monthly payment plan to agree to automatic renewal, allow automatic renewal charges up to thirty days before expiration, and make monthly-plan cancellations ineligible for partial-month or partial-quarter refunds; AAA Mountain West Group terms state an automatic-renewal discount is one-time only and cancellation cannot be made by email.

Subscription Capture Verified High confidence AI-generated / human-pending

AI scaffold

4AAA Mountain West Group terms describe emergency road service as involving independent contractor service providers and state that AAA does not control the availability or manner in which those independent contractors render services.

Labor Sovereignty Verified Medium confidence AI-generated / human-pending

AI scaffold

5AAA Mountain West Group terms require an active membership, current dues and fees, a valid membership card, matching identification, and member presence for emergency road service eligibility, making the benefit dependent on paid membership standing.

Solidarity Unemployed Verified Medium confidence AI-generated / human-pending

AI scaffold

6AAA Club Alliance terms allow automatic-renewal cancellation through several channels but also reserve nonrefundable enrollment fees and limited refunds after the first seven days, while separate AAA Northeast monthly-payment terms add automatic-renewal and partial-refund limits; AAA Club Alliance terms also ask members to consent to autodialed or prerecorded membership and marketing messages.

Accountability Opacity Verified High confidence AI-generated / human-pending

AI scaffold

7AAA Club Alliance defines personal information to include sensitive identifiers, payment data, insurance information, health information, biometric identifiers, and geolocation information; its mobile tools may transmit location-services data to AAA. CSAA Insurance Group, an AAA-related insurance company under AAA terms, says it collects sensitive personal information including driver-license, Social Security, health, account-login, and precise geolocation data, and may share personal information and sensitive personal information with AAA clubs, affiliates, consumer reporting agencies, insurance support organizations, claims representatives, medical-care institutions, regulators, law enforcement, and others.

Surveillance Capture Verified High confidence AI-generated / human-pending

AI scaffold

8AAA describes itself as a motor-club federation founded by independent motor clubs and says it has advocated for safe, efficient highways while offering services to make car ownership and travel more enjoyable.

Ecological Harm Verified Medium confidence AI-generated / human-pending

AI scaffold

9AAA presents itself through member service, safety, and convenience language while the evaluated record also shows car-dependency alignment, automatic-renewal friction, marketing consent, and sensitive data practices that are not foregrounded in that public-service framing.

Ideological Disavowal Verified Medium confidence AI-generated / human-pending

AI scaffold

10OpenLobby records AMERICAN AUTOMOBILE ASSOCIATION lobbying on transportation, automotive, tourism, technology with about $888K in spending across 33 filings; the reviewed filings document private institutional lobbying over public rules rather than a public-interest advocacy role.

Policy Capture Verified Medium confidence AI-generated / human-pending

AI scaffold

11American Automobile Association (AAA) has combustion transport exposure high-carbon product exposure based on its listed business model and current profile description: A not-for-profit federation of regional auto clubs selling roadside assistance, insurance, travel, financial, and membership services across North America. AAA provides a genuinely useful emergency service, but automati…

High Carbon Products Verified Medium confidence Human-reviewed

12American Automobile Association (AAA) receives the Private Government badge because it combines large-scale private rule-setting over customers, workers, users, members, or counterparties with OpenLobby-documented lobbying of about $888K on public policy issues.

Private Government Verified Medium confidence AI-generated / human-pending

AI scaffold

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Audit Log

Recent public changes for this company or group. The full audit log is part of the Transparency record.

ai-scaffolding entity-expansion

Added a source-backed AAA evaluation, including direct claims on not-for-profit federation structure, roadside and travel services, automatic-renewal terms, cancellation and refund friction, sensitive data and geolocation sharing, auto-dependency alignment, and ideological-disavowal calibration.

View Full Audit Log