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.

What To Do If Your Car Suddenly Breaks Down While You're On The Road

No one wants to sit in a broken-down vehicle while on the road, but this can happen to anyone. If your car breaks down on you, knowing the proper steps to take can help you avoid possible accidents and get the help you need to get back on the road eventually. 

Use Your Hazard Lights

Once you start experiencing a problem, put your hazard lights on. You want to alert other drivers that something is going on with your vehicle. It's also beneficial to pull over if possible. Sometimes, the car breaks down, and you can't move it anywhere. However, if you can safely do so, get into a safer spot on the side of the road.

Contact a Towing Service

Driving the vehicle to an auto repair shop is likely unsafe, so don't risk it and instead contact a towing service. Someone with a tow truck will arrive at the spot where you're sitting in your car and haul the vehicle onto the truck. While waiting for the tow truck, contact different auto repair shops to see which one has availability and good ratings. When the tow truck driver arrives, you can give them the address of the auto repair shop, and they will take you and your vehicle over there.

Receive Automotive Repair Services

When a car breaks down, it can occur for dozens of different reasons, such as damage to the alternator, a damaged or broken transmission, or even an issue with the car's battery. Unfortunately, you won't know what is wrong with the vehicle until you've had it thoroughly inspected by the experts at the auto repair shop. They can run diagnostic tests on the vehicle and get a closer look at the different components to determine what caused the car to suddenly stop working when you were driving.

After discovering the problem, the auto repair professional will discuss what you might need, such as specific repairs or replacement parts. You can then request a price quote and leave your vehicle at the shop to have it worked on, which might take several days, depending on the specific problem at hand. Although it may take some time to fix the vehicle, it's better to have it repaired when possible than to have to go out and buy an entirely new car.

If you ever find yourself driving when your vehicle suddenly breaks down, take this approach to receive help. Contact a local auto repair service to learn more.