Roadside Assistance Insurance

 

What does roadside assistance cover?

If your car has stopped running due to non-accident-related circumstances, you can receive assistance whether you're in your driveway or on the road (e.g., mechanical or electrical breakdown). Coverages can vary from car insurance company to car insurance company, but many common coverages are:

  • Towing: Your insurance company can arrange for your vehicle to be towed to a repair shop. There is often a distance limit such as 50 miles. Remember that you are liable for the cost of any components and/or repairs done to your car.
     

  • Flat tire: If you have a flat tire, there is no need to panic. As long as you have a spare tire, a roadside specialist can put it on your car at the site for free.
     

  • Fuel delivery: If you run out of gas, your insurer will deliver gas to your car. 
     

  • Locksmith: Your car insurer will dispatch a licensed service provider if your keys are lost, stolen, or unintentionally locked inside your car. You are only liable for the expense of replacing the keys.
     

  • Winching: If your automobile is stuck in mud, snow, water, or sand (within 100 feet of a road or highway), your insurance company will pull it out with a motor-powered cable or chain.
     

  • Battery jump-start: your car insurer will jump-start it on the spot to assist you get back on the road.
     

  • Battery charge for electric cars: If your vehicle runs out of charge, your insurer can tow it to the nearest certified charging facility.

Roadside assistance coverage is very affordable and it is often smart to select this optional coverage.