Roadside Assistance is an optional insurance coverage on your auto policy. Sometimes it is referred to as Towing and Labor or also Roadside Service. I want to share just a couple quick notes with you today on what is typically covered and what is not when electing to carry it. The one most important take away is that it’s a very inexpensive coverage, and is worth adding on.
What is typically covered?
The most common reason is a flat tire. No one wants to be stranded on the side of the road. The weather outside may be very unfavorable for waiting too long. It’s also inconvenient to leave your vehicle over night. You may not even have the right tools or a spare to change it yourself. Being able to call for a tow is a great comfort to have while driving.
The second instance in which you would likely use this service is when locking yourself out of your vehicle. With the resale of vehicle, many are purchased with only one set of keys. Replacement keys are often expensive with the new key fobs and take several weeks to receive, after getting your vehicle to a dealer to order one. Being able to call for a locksmith to get you back in your vehicle is a definite perk.
Most companies have an 800 number that you will carry in your glovebox. However, if you ever have trouble getting through, don’t have the number, or any other concern, you have another option. You can use a service that is close to you and submit your invoice or receipt for payment or reimbursement.
What is NOT covered?
There are definite limits to a roadside service endorsement on a policy. Going in the same order as above, let’s talk about a couple.
If you get a flat tire there are two things the roadside service will not cover. The cost of a new tire. As well as towing the vehicle anywhere you want it to go. The policy reads that it will tow you to the nearest service station. So if that’s 15 minutes away but your home is an hour away, you’ll be towed to the service station where they can help you out. Roadside service is not for replacement parts, but simply to get you to a safe location and off the side of the road.
That being said, the same applies for additional keys. Roadside will not purchase or reimburse for additional keys or key fobs. They will cover the locksmith opening the door. Likewise, they will pay for the service to jump the battery, but will not pay to purchase or install a new battery.
Do you have this on your policy?
When you look at your declarations page, you should be able to see a line marked Roadside Service or Towing and Labor. If you see it listed there, then you already have it. If you don’t see it listed or can’t find it, give me a call and we can review the policy and add it on for you. The office line is 615-472-1515 or you can always email me at email@example.com and I’ll reply as quickly as possible.