Is AAA accident insurance a good idea?

Looking ahead, I don’t see myself becoming a better driver. I’ve never had an accident, but there’ve been a couple of close calls.

Have you had any experience with insurance through AAA? Good, bad, mixed? Any hassles with claims?

Premiums in the $20/month range don’t sound bad, but it all adds up. Figuring out what’s worth an ongoing expense is harder than it used to be, so I’m interested in your comments and suggestions.