Optional Coverage for Your Auto Policy
Towing and Roadside Service coverage can reimburse you if your car breaks down and you need a tow. How this added auto insurance coverage works varies greatly from company to company. It is usually an optional coverage that can be added to your auto insurance policy. It’s important to ask your auto insurance agent to make certain that it is added in your policy. Towing and roadside assistance are usually very inexpensive. Sometimes even as low as $1/month or so.
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This cost obviously does vary from company to company, but don’t just tell your insurance agent that you want “full coverage” and assume they’ve added it. You must ask to make certain it has been added. Many people wish to have the coverage removed thinking it will save money, but it is so inexpensive, you may be hurting yourself in the future.
You should ask your auto insurance agent the following questions:
♦ Do I have 24/7 nationwide towing and roadside assistance/service?
♦ Do I need to pay out of pocket when the tow truck shows up, and how much coverage do I have? How many miles are covered?
♦ What happens if I run out of gas, or my engine overheats, do I have coverage? If so, how much is covered?
♦ Do I have Towing and Winching coverage? If so, how much coverage do I have and how does it work?
♦ Do I have Dead Battery and Jump Start Coverage? If I do, how does it work?
♦ Do I have Flat Tire Coverage? If I do, how does it work? What if I don’t have a donut tire or replacement tire with me?
♦ What happens if I lock myself out of my car, do I have a Lockout Service? If I do, how much is covered?
Other Things To Consider
Does my coverage follow me everywhere I drive, or does my coverage stay with my car? Meaning, if I am renting a vehicle, and I need a tow, is it covered? OR….what if my friend is using my car with my permission, and he/she needs a tow, are they covered. This is why you should ask if my tow/roadside service follow me everywhere I go, or does my towing/roadside service follow my car, everywhere it goes?
Some very important things to be aware of. Many insurance companies will require that you have “Collision” and/or “Comprehensive” coverage on your car to add towing/roadside service to your policy. There are limits to how much an insurance company will pay and number of frequencies they’ll pay. For example, if you run out of gas 10 times in a year, at some point, you’ll need to remember to fill up your car, because the insurance company will not continue to bring you gas each time.
FYI – Another extra you can add to your policy that is very smart is “glass buy back”. This is an extra benefit that can be added in case your windshield gets broken. You won’t have to pay the full deductible, but only maybe $100 or so, depending on your policy. This is especially helpful if you have a very expensive windshield.
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Navigating through the many options of insurance can be confusing and chaotic, but speaking with a locally licensed auto insurance agent will help you to obtain the right coverage you need. You’ll have the peace of mind knowing that you are adequately insured when life complications arise. We work hard to find the most competitive quotes for your needs. Contact us today to begin the process of finding the best insurance plan for your family.
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DISCLAIMER: It is important to note that the information contained herein is made general for the purpose of explanation. You should consult your policy for exclusions or other language that may alter your policy.