AAA-ACA Requirements | Pruuvn

AAA-ACA Required Insurance
& Onboarding Information

To become an AAA-ACA provider there are specific insurance and documentation requirements you must meet. Pruuvn® verifies your credentials and helps you join the network with confidence.

Coverage at a Glance
$1M
General Liability
Required
$1M
Auto Liability
Required
$150K
On-Hook Coverage
Required
—
Garage Keepers
If Storing
—
Care & Custody
Optional
Insurance Requirements
List of Insurance Requirements

All providers must carry the following coverages. Conditional coverages apply based on your specific operations.

Required
Conditional
Optional
Required
$1,000,000
General Liability
Commercial General Liability per each occurrence
Required
$1,000,000
Auto Liability
Commercial Automobile Liability insurance
Required
$150,000
On-Hook Coverage
Property insurance covering vehicles in tow
Conditional
Garage Keepers
Required if you store vehicles. Covers customer vehicles while on your premises
Conditional
Workers' Compensation
Required per state law where applicable
Optional
Customer Care & Custody
Coverage for vehicles in your care, custody, and control during service
⚠ Additional Insured Requirement: Mandatory

You must list AAA-ACA as an additional insured on your policy for both ongoing and completed operations. Your certificate of insurance (COI) must reflect this designation and be submitted during onboarding.

Certificate Holder & Additional Insured Address: AAA-ACA
1 River Place
Wilmington, DE 19801
Onboarding Requirements
What You'll Need to Get Started

Please have the following items ready to complete your AAA-ACA onboarding.

  • 1
    Company Information: Legal business name, business address, EIN / Tax ID, and primary contact information
  • 2
    State Registration / Articles of Incorporation: Current state business registration or articles of incorporation
  • 3
    List of All Owners: Full names and ownership percentages for all business owners must be provided
  • 4
    W9 Form: Must match your business name, address, and EIN exactly
  • 5
    USDOT Number: Required for operators subject to DOT regulations
  • 6
    Certificates of Insurance (COI): Auto Liability, General Liability, On-Hook; Garage Keepers and Workers' Comp where applicable. Must be active, verifiable, and list AAA-ACA as additional insured
  • 7
    Driver Information and Signed Consent: For each driver, a signed FCRA disclosure and authorization (using your own form), plus their full name, email, cell phone, Social Security Number, date of birth, and current address
Banking Verification
Bank Account & Payment Verification

To ensure accurate and secure payment disbursements, all providers must verify their banking information before activation on the network.

🏢

Voided Check

A voided check stub with the company or owner name matching your business documents on file

✅

Bank Verification

Bank account verification confirming account ownership and routing details

💳

Direct Deposit Verification

Confirmation of direct deposit setup for payment processing and disbursements

The name on the voided check must match the legal business name or owner name on file with Pruuvn.

Background Checks
Driver Screening Process

Background checks are required for every driver operating under the AAA-ACA network. Screening now runs through the Invite Candidates tool in Pruuvn®. You collect each driver's signed consent, enter their information, and certify that you have their authorization on file. Pruuvn® then runs the screening and provides ongoing monitoring. Screening is included as part of the AAA-ACA onboarding process at no additional cost to you.

How Invite Candidates Works
1

Get the Driver's Signed Consent First

Before you invite a driver, have them sign an FCRA disclosure and authorization for the background check. You supply this form yourself. Pruuvn® and AAA-ACA do not provide one. Keep the signed copy in your company records.

2

Open Invite Candidates

From your Pruuvn® dashboard, go to Background Checks, open Hiring Tools, and select Invite Candidates. The AAA-ACA position profile is already set up for you.

3

Enter the Driver's Information

Add the driver's name, email, and cell phone, then choose Order a background check through Pruuvn and enter their Social Security Number, date of birth, and current address.

4

Certify Consent and Send

Check the box certifying that the driver signed the FCRA disclosure and authorization and that your company retains it, then click Invite Candidate. The background check starts as soon as the invite is sent.

5

Track Status and Results

Your Background Checks page shows every invited driver and their status: pending, in progress, or complete. Open any completed check to view the report.

What You Need From Each Driver

Signed FCRA disclosure and authorization (your own form, kept on file by you)
Legal first and last name (middle name optional)
Email address and cell phone number
Social Security Number (encrypted upon collection)
Date of birth
Current address
Driver's license number and state (when a motor vehicle record is part of the screening)
⚠ Driver Consent Is the Owner's Responsibility

Pruuvn® does not collect the driver's signature in this process. When you check the certification box, you are confirming that the driver signed the FCRA disclosure and authorization before the check was ordered and that your company keeps it on file. Do not submit a driver whose signed authorization you do not have.

Owners are responsible for sourcing their own disclosure and authorization form. If you do not already have one, your attorney, HR provider, or insurance carrier can help you obtain a form that meets federal and state requirements.

Use each driver's personal email address. The invitation creates an individual account that stays separate from your business account. If you drive as well, invite yourself using a personal email.

Ready to Join the AAA-ACA Network?

Sign up today and let Pruuvn handle your credential verification.

Need help? We're ready to assist.

support@pruuvn.com

© 2026 Pruuvn, Inc. · 1441 Woodmont Ln, Atlanta, GA 30339

Chat with Us