Roadside Assistance Coverage
Roadside assistance coverage offers emergency help when your vehicle breaks down or becomes disabled. Whether you’re stuck with a flat tire, locked out, or facing a dead battery, this optional coverage ensures help is just a call away.
What Does Roadside Assistance Cover?
Roadside assistance varies by insurer, but typically includes:
- Towing services to the nearest repair shop
- Battery jump-starts if your car won’t start
- Flat tire changes using your spare tire
- Lockout assistance to get back into your car
- Fuel delivery if you run out of gas (you pay for fuel)
- Winching if you’re stuck in snow, mud, or a ditch
When Should You Consider Roadside Assistance?
This coverage is a good fit if you:
- Drive long distances or commute daily
- Own an older or high-mileage vehicle
- Want peace of mind during road trips
- Don’t have roadside support through another provider (e.g., AAA or a credit card)
Is Roadside Assistance Included in Car Insurance?
Roadside assistance is usually optional and not included in standard car insurance policies. Most insurers offer it as a low-cost add-on, often as part of a broader emergency package.
How Much Does Roadside Assistance Cost?
The cost is typically minimal—often less than $20 per year when added to your car insurance policy. Standalone plans (like those from AAA) may cost more but offer expanded benefits.
Roadside Assistance vs. Towing Coverage
While both provide towing, roadside assistance includes a broader range of services. Some insurers may split them into separate options or offer bundled plans.
How to Use Roadside Assistance
In most cases, you can request help by calling your insurer’s emergency hotline or using their mobile app. Services are often available 24/7 and can reach you wherever you are within the provider’s service range.