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Roadside Assistance: What Will Insurance Cover?


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Roadside Assistance: What Will Insurance Cover?

Until an incident six months ago, I mainly considered my car insurance to be something I would use if an accident occurred. After being stranded at work with a car that wouldn't start, I learned there was more to my plan than that. There is a whole section that has to do with roadside assistance. The guy driving the tow truck asked if my insurance covered emergency calls and I said I didn't know. He asked me the name of the company and then called his boss. After a quick word with my provider, he found out that I was covered in full. If you are not sure if your car insurance covers roadside assistance, let me tell you how to find out. After going over specific clauses in the contract, I'm betting you are covered for everything from a flat tire to a dead battery.

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What To Do If You Need To Have Your Vehicle Towed From The Side Of A Busy Road

No one wants to assume that they are going to end up stranded on the side of the road one day, but it could always happen. Therefore, you are going to want to make sure that you are well prepared so you know what to do. Here are a few tips for you to keep in mind should you ever find yourself broken down somewhere.

Turn On Your Emergency Flashers

This is the first thing you want to do once you have pulled over to the side of the road. Using your emergency flashers is not just something that you want to do at night. Use them during the day as well. This way, other drivers will easily spot that your vehicle is having trouble and they may use extra caution as they pass you. Also, the flashers will help the tow truck driver spot your vehicle so they know where to pull over so they can hook your vehicle up to their tow truck.

Call For A Tow Truck

If you have an emergency roadside assistance membership, you may want to call them to have a tow truck sent to you, since most people are given a set number of towing miles that they can use each calendar year. If you do not have a membership like that, then you will want to find out who the nearest tow truck company is according to the location you have broken down at. This way, they will not have to travel too far to get to you, hopefully allowing you to save a little money.

Stay In Your Vehicle

In most cases, the safest place for you to be will be inside of your vehicle. There is no need to get out of the vehicle to flag down the tow truck that you have called for. He or she will spot you by the directions to your location and the make and model of your vehicle. Once the tow truck has arrived, you can step out of the vehicle and ask if you can then wait in the cab of their truck while they hook up your vehicle.

With those points in mind, you should find that you are much more prepared with what to do in the event you break down and you are in need of a tow truck or for other roadside emergency services, such as car lockout services.