Does Car Insurance Cover Roadside Assistance And Towing?
Car insurance coverage for roadside assistance and towing varies depending on the specific terms of your policy. Here’s what you need to know:
Roadside Assistance Coverage
Many auto insurance policies offer roadside assistance as an optional add-on. This coverage typically includes services such as:
- Towing
- Battery jump-starts
- Lockout assistance
- Flat tire changes
- Fuel delivery
If you have this coverage, your insurer will generally cover the costs associated with these services when you’re stranded on the road. However, be aware that most plans have mileage limits for towing; towing beyond this limit may require you to pay the additional cost.
Towing Coverage Under Collision or Comprehensive Insurance
If your vehicle is damaged due to an accident and becomes undrivable, your collision or comprehensive coverage may cover the towing expenses. This typically includes:
- Towing to a repair facility
- Storage fees (if applicable)
The combined cost of the tow and any damage to your vehicle would be subject to your policy’s deductible.
Emergency Road Service Coverage
Some insurers offer emergency road service coverage, which helps pay for expenses like:
- Towing
- Battery jump-starts
- Lockout services
- Tire repairs
This coverage is designed to assist when your vehicle breaks down or becomes disabled.
Key Considerations
- Policy Review: Always review your policy documents or contact your insurance provider to understand the specifics of your coverage, including any mileage limits for towing and the types of services included.
- Additional Coverage: If roadside assistance is not included in your current policy, you may have the option to add it for an additional premium.
- Alternative Options: If your insurance does not offer roadside assistance, consider standalone roadside assistance plans or credit card benefits that provide these services. investopedia.com
