This article has been reviewed by licensed insurance industry expert Moshe Fishman.
Most car insurance companies offer roadside assistance plans. This service is beneficial in many ways and is often a deciding factor when selecting an insurance company and package.
Roadside assistance plans ensure that you are covered when commuting to work or on a cross-country vacation. Whether you experience a flat tire or have managed to lock your keys in your car, having this type of insurance will help make such events less stressful. After all, who wants to be stranded on the side of the road with a dead battery or other car trouble during a vacation road trip? Not you!
Roadside assistance insurance covers vehicle mishaps that happen while on the go. These mishaps often occur when you least expect it and when you are not prepared. Roadside assistance services often handle annoying inconveniences such as flat tires, vehicle breakdowns, lockout services, battery jump-starts, and fuel delivery.
To avoid further frustration caused by these events, consider roadside assistance insurance coverage to ensure you get back on the road as fast as possible. Here are the most common vehicle mishaps that a roadside assistance program covers:
A flat tire is one of the most unexpected vehicle setbacks that can strike at any time. Whether your tire has worn out and split the tread or you ran over a nail, roadside assistance coverage will help with changing your tire or putting on a spare.
When your car breaks down without notice, it often requires a tow. Towing can get very expensive quickly. With roadside assistance coverage, providers will include a towing service to tow your vehicle to the nearest mechanic free of charge for a certain distance. Remember that fees may apply if the tow is further than the policy outlines.
There is nothing quite as frustrating as accidentally locking your keys in the car when you are in a hurry to get somewhere. Luckily, roadside assistance insurance covers vehicle lockouts. While it may take some time for the technician to arrive, your keys are back in your hands without any damage to your vehicle, and the best part is it's included in the coverage. If the technician cannot retrieve your keys, they will contact a locksmith to come and help complete the task.
If your vehicle manages to get stuck in the ditch or the mud, you can be assured that your roadside assistance insurance will help cover the cost to extract the car. While roadside assistance may not cover the entire bill depending on the vehicle's state, it will help lower the cost and ensure you contact a reputable company to do the job.
If you have an old battery or a bad battery that struggles to hold a charge, you could end up stuck somewhere with no one there to help you jump-start the vehicle. Roadside assistance insurance providers will cover the cost to have a technician meet you where you are stranded to jump-start your battery.
Maybe your gas gauge doesn't work properly, or you misjudged how long your tank would last when it nears the empty state. Whatever the case, running out of gas before making it to the gas station is a big headache. Luckily, fuel delivery is another benefit included in roadside assistance coverage. The provider will meet you with enough gas to get you to the nearest gas station to ensure you're back on the road in no time.
Note: Contact your car insurance company if you have roadside assistance insurance but don't know what it covers.
Whether for your home, your life, or your car, insurance is a precautionary measure that provides people peace of mind in an emergency.
To better assist you in deciding whether to purchase roadside assistance insurance, consider the following aspects:
Having roadside assistance as part of your car insurance policy will put you at ease, knowing you are covered if something unexpected happens. While not legally required, purchasing this type of add-on insurance is recommended.
Because offering roadside assistance is an attractive benefit to car insurance plans, most car insurance companies offer a version of this kind of insurance to help promote their policy. Here are some of the more common auto insurers that provide roadside service assistance:
Some of the other insurance companies that also offer roadside assistance plans include Mercury, Nationwide, Safeco, and Travelers. Most insurers include the typical types of services in their coverage when you add it to your car policy. Towing, fixing a flat tire, jump-starting your battery, rescuing you from a lockout, and bringing you fuel when you run out of gas are typically included in the plan.
However, it’s important to note that not all companies offer roadside assistance. Most require you to add this type of coverage to your existing auto policy. In addition, towing fees, free towing miles, and other plan details can vary from one insurer to the next.
When in doubt, you may want to confirm whether or not your policy includes roadside assistance insurance by contacting your agent or car insurance company.