A breakdown or other vehicle emergency can occur anytime, anywhere — and it usually happens when you least expect it. If you’re good at working with cars, you might be able to fix a minor mechanical issue and get back on the road quickly. However, a serious engine problem or an empty gas tank can leave you stranded in the middle of nowhere — with no help in sight.
Fortunately, in the era of the cell phone, the help you need can be just a quick phone call away. Most auto insurance carriers offer emergency roadside assistance as an optional coverage on their policies. These insurers partner with a local network of tow truck operators and auto repair shops to provide prompt roadside service to stranded motorists.
The first question that comes to mind after a vehicle breakdown is usually, “Is towing covered by insurance?” Many policyholders mistakenly believe that towing coverage comes with their base policy — although this is rarely the case. The good news is that towing is a standard feature in most roadside assistance packages. In general, these plans cover the cost of the tow and any per-mile fees up to a specified limit, which can range from $50-$100.
Besides towing insurance coverage, roadside assistance plans may include:
Consider adding roadside service to your policy if you have a long commute or spend a lot of time on the road. You should also get it if you have an older vehicle with a history of mechanical issues or if you’re not adept at working with cars.
David Pope Insurance Services, LLC can help vehicle owners in and around Missouri cities such as Union, St. Clair and Washington weigh the pros and cons of purchasing roadside assistance/car insurance towing coverage. Contact us for more information and a free quote today.