Is Roadside Assistance Covered by Your Car Insurance Policy?

Dealing with a roadside emergency can threaten your safety as well as that of your vehicle’s passengers. While doing a pre-drive check can help you notice common issues such as low gas or air in the tires, it’s always possible for an unexpected situation to arise. While most car insurance policies don’t cover roadside assistance as a default option, you may be able to purchase this type of coverage at any time. Keep reading as the professionals at Altra Insurance Services, a premier provider of auto and seguro de moto San Diego County residents trust for high-quality service, explain how taking a look at how to get roadside assistance can ensure you’re never stuck on the side of the road for long without professional help.

Check Your Current Insurance Policy

Car insurance policies can cover many different things. For instance, liability car insurance only covers damages to the other person during an accident that’s considered your fault. Meanwhile, you can purchase comprehensive coverage that pays for repair costs and personal injuries. Your first step is to read through your current insurance policy to see what’s covered. If you aren’t sure of what’s in the policy, speaking with your insurance company’s representatives can help you get started.

Purchase Roadside Assistance as an Add-On

Some insurance companies offer roadside assistance as a perk. But you’ll typically need to request this service as an addition to the typical liability or comprehensive coverage policy. If you’re getting an insurance policy for the first time, you can ask to include roadside assistance in the coverage. For existing policies, you can usually update the coverage to include this type of care. Keep in mind some insurance companies might not offer it at all. In this case, you would need to purchase a plan from a company that offers roadside services. Typically, it’s more cost-effective to include it in your insurance coverage when it’s available.

Know How to Use the Assistance Before You Have a Need

Roadside assistance plans can differ in how you report an incident. With insurance coverage options, you might contact your insurance company first to request assistance. Or the policy may provide you with a specific service provider to call when you need help. Following the instructions ensures you get the right type of covered care, and you’ll find you can get a faster response by following the proper procedure. Keeping contact information for roadside assistance in your phone and vehicle gives you the tools you need to make a request for help during a stressful time.

Explore Additional Insurance Protections

Having roadside assistance protects you from harm during unexpected breakdowns on the road. If you prefer to avoid other uncomfortable surprises, you might want to check into additional insurance protections. For instance, you might want to keep uninsured motorist coverage on your policy to help when the at-fault driver lacks insurance. Or you may prefer to include gap insurance or rental car coverage in your policy for further financial protection. 

Cuando necesitan asequibles, confiables seguro de auto chula vista, drivers turn to Altra Insurance Services. For high-quality coverage and outstanding service, reach out to one of our friendly representatives today to learn how you can get the car insurance you need.