If you've ever found yourself stranded with a dead battery, a flat tire, or even an empty gas tank, you know the stress that comes with vehicle troubles.
Fortunately, a roadside assistance service can provide you with peace of mind. This blog post explores what roadside assistance covers, the different types of roadside assistance services available, and how they can help you when you need it most.
Key takeaways
- Roadside assistance typically includes services like towing, flat tire changes, battery boosts, and fuel delivery, providing the assistance you need when you experience unexpected vehicle issues.
- Assess your driving habits and vehicle reliability to determine the best roadside assistance plan for you. Frequent long-distance travellers or owners of older vehicles may benefit from more comprehensive coverage.
- To avoid surprises when you need help, be aware of common exclusions in roadside assistance programs, such as pre-existing mechanical issues and non-emergency situations.
Understanding roadside assistance
Roadside assistance is a service designed to support drivers who encounter unexpected vehicle issues while on the road. These services typically cover a variety of situations, helping you avoid the frustration and inconvenience of being stuck without help.
Many auto insurance companies offer roadside assistance and most roadside assistance programs offer a range of essential services. Your car insurance company likely offers roadside assistance coverage as an add-on to your auto insurance policy or as a standalone service. However, depending on your car insurance policy or membership, the specifics of your roadside assistance coverage can vary. Some credit card companies also provide this service, allowing you to request roadside assistance without additional membership fees. When looking for a roadside assistance plan, it's important to understand what’s included.
Common services covered by roadside assistance
Although roadside assistance programs will differ from provider to provider, most roadside assistance programs offer a variety of emergency services. Here are some of the most common services included in roadside assistance coverage:
Towing services
If your vehicle breaks down and cannot be repaired on-site, towing services are key. Most roadside assistance programs offer towing to the nearest service station or a location of your choice, within a specified distance. This can be a lifesaver when you're stranded on a road or highway.
Flat tire change or tire services
A flat tire can happen to anyone, and having a roadside assistance service means help is just a call away. A roadside technician will arrive to change your tire, provided you have a spare tire. If you don’t have a spare or the tire is beyond repair, they will likely tow your vehicle to the nearest mechanic.
Fuel or gas delivery
Running out of gas can be a frustrating experience. Many roadside assistance plans include fuel delivery services. If you find yourself in this situation, help will bring enough gas to get you to the nearest gas station.
Lockout service
Locking your keys inside your car can be a common mishap. Fortunately, most roadside assistance services offer lockout services to help you regain access to your vehicle without causing damage. This is particularly helpful for those moments when you’re in a rush or distracted.
Winching services
If your vehicle is stuck in a ditch or mud, winching services can help pull you out. This is especially beneficial for those who enjoy off-roading or drive in more challenging conditions. Depending on the roadside assistance coverage, this service may be included or offered at an additional cost.
Additional things to consider
While the services listed above are among the most common, there are additional options you might want to consider when selecting a roadside assistance plan.
Trip interruption coverage
If your vehicle breaks down during a trip, trip interruption coverage can help cover additional expenses, such as hotel stays or meals, while you wait for repairs. This can significantly improve your travel experience and help mitigate unexpected costs.
Personal item coverage
Some roadside assistance programs may offer coverage for personal items lost or damaged during a roadside incident. It’s worth checking if this is included in your policy, as it can provide an extra layer of security.
Competitive price and membership fee
When choosing a roadside assistance program, consider the membership fee versus the value of services provided. Some companies offer roadside assistance coverage at a competitive price, while others may charge higher fees for similar services. Compare options to ensure you're getting the best value for your needs.
What isn’t usually covered by roadside assistance?
While understanding what roadside assistance covers is important, it’s equally important to know what’s not included. Here are some common exclusions to keep in mind:
Pre-existing conditions
If your vehicle has ongoing mechanical issues, these may not be covered by roadside assistance. For instance, if your car battery consistently fails due to neglect, it may not be eligible for service when it dies.
Non-emergency situations
Roadside assistance services typically do not cover non-emergency or criminal situations. For example, if you need routine maintenance, or if you require a tow as a result of an arrest, these services are generally outside the scope of roadside coverage.
Policy-specific exclusions
Always read your policy carefully. Different car insurance companies have different terms and certain roadside assistance services may not be included depending on your specific policy.
Choosing the right roadside assistance plan
Selecting the right roadside assistance plan can significantly impact your driving experience, offering peace of mind and additional security. Here are a few tips to help you find the best fit for your needs:
Evaluate your needs
Assess your driving habits, including how often you travel, the type of vehicle you drive, and its reliability. If you frequently travel long distances or own an older vehicle, investing in comprehensive roadside assistance coverage may be wise.
Compare providers
Take the time to compare different roadside assistance programs from various providers. Look for the most competitive prices and the best service options. Some companies offer specialized plans that cater to specific needs, including coverage for electric vehicles and unique circumstances.
Read reviews and seek recommendations
Check customer reviews and ask friends or family for recommendations. Personal experiences can provide valuable insights into the reliability and quality of a service provider.
Compare roadside assistance cost
When choosing a roadside assistance service, it's also important to compare the roadside assistance cost among different providers. Look at both membership fees and the specifics of what is covered.
Some plans may have lower upfront costs but offer limited services, while others may have higher fees but provide a broader range of assistance. Make sure to evaluate what fits best within your budget while still meeting your needs.
Note: Adding other features may increase your premiums. Check out our article: why did my car insurance go up, to learn more about potential reasons why your insurance rate may increase.
Get roadside assistance for peace of mind
Securing roadside assistance coverage can offer freedom from roadside worries and ,help you navigate unexpected situations with ease. From towing services and flat tire changes to fuel delivery and lockout services, these services are designed to support you when you need it most.
If you’re considering adding roadside assistance to your car insurance policy, be sure to evaluate your specific needs, compare plans, and understand what roadside assistance covers.
For further details on auto insurance, learn more about how to obtain a quote or visit our personal car insurance page.
