If you need your vehicle towed or other roadside service, there are several places to turn for coverage. If your vehicles is under warranty, many warranties include Roadside Assistance. If you have a AAA membership, this also includes Roadside coverage. Even cell phone carriers are getting into the act, offering optional add-on services which include Roadside assistance among other features.
If you don't get Roadside Assistance coverage through any of these sources, you may wish to add coverage to your Auto policy. There are basically two different types of Roadside coverage offered under Auto policies:
Traditionally, insurance companies have offered Towing and Labor coverage, which reimburses you for roadside service you have already obtained. If you have this coverage, your will have to find service, pay for it and then submit your receipt for reimbursement. Coverage is usually limited to a certain dollar amount - $50, $75, $100, $150 and $200 are common limit options.
Sign & Drive Roadside Assistance
More recently a number of insurance companies have began offering true Roadside Assistance. If you need a tow or other service, you would call your insurance company for assistance. They then dispatch a service provider to your location. Coverage is most often limited to towing a certain distance, which may vary from 15 to 100 miles. You won't need to pay anything at the scene, unless your service exceeds the limits included with the coverage.
Regardless of which option is offered by your carrier, it should cover the following basic services:
• Jump starting a dead battery
• Opening your door if you are locked out
• Changing a flat tire
• Fuel delivery if you run out of gas (you will still have to pay for the cost of the gasoline.)
Our agency represents a number of different companies, some of which offer Sign & Drive assistance and others which cover towing on a reimbursement basis. Ask us for more information on the options available to you.
Ken Cobb is owner of Pine Country Insurance and has been active in the insurance industry for over 15 years. Meet Ken.
Coverage descriptions found in this blog are summaries provided for general educational purposes and cannot fully detail the terms, conditions, limitations or exclusions of a specific insurance policy. Please read your policy carefully.