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.

The Importance of Remaining in the Vehicle While Awaiting a Tow Truck

When one's vehicle breaks down on the roadside, it can be an incredibly stressful experience. The sense of vulnerability and unpredictability can be overwhelming. However, it is strongly recommended that individuals stay inside their vehicles while waiting for a tow truck to arrive. This advice is given for numerous reasons, all of which revolve around personal safety and the prevention of further vehicular damage.

One of the primary reasons to stay inside the vehicle is personal safety. Roadsides, especially highways, are fraught with danger due to fast-moving traffic. By remaining inside the vehicle, occupants are shielded from potential accidents caused by passing vehicles. Pedestrians are less visible than cars, particularly at night or in poor weather conditions, and the risk of being hit is significantly higher when out of the vehicle.

In addition to physical safety, staying inside the vehicle also helps prevent potential confrontations with others. It is not uncommon for other drivers to stop and offer assistance. While most of these individuals may have good intentions, there is always a risk of encountering someone with malicious intent. Being inside the locked vehicle provides a barrier and an added level of security.

The vehicle itself also benefits from occupants staying inside it. Leaving a broken-down vehicle unattended can make it an easy target for theft or vandalism. Valuable items inside the car, such as electronics or personal documents, are safer when the vehicle is occupied.

Moreover, being present in the vehicle when the tow truck arrives can speed up the recovery process. The tow truck driver can immediately begin the necessary procedures without having to search for the vehicle's owner. This efficiency is not only beneficial for the stranded motorist but also for the tow truck driver who likely has other calls to attend to.

Lastly, remaining in the vehicle can be a requirement of certain roadside assistance programs or insurance policies. Failure to comply may lead to complications in the claim process or even denial of coverage. It is therefore essential to understand and follow the guidelines provided by these entities.

While the instinct to leave a broken-down vehicle may be strong, it is crucial to resist this urge for the sake of personal safety and the protection of property. Until the tow truck arrives, the safest place to be is inside the vehicle. The few moments of discomfort or inconvenience are a small price to pay for the security offered by staying put.

Remember, roadside assistance is just a call away, and help will arrive as quickly as possible. In the meantime, patience and caution can go a long way in ensuring a safe and smooth recovery from a vehicle breakdown. For more information on how to stay safe when towing, contact a company near you.