One helpful type of coverage that many automobile insurance and other companies offer is roadside assistance. This important coverage provides valuable services in case you have an emergency on the road. Different roadside assistance packages have different services and coverage. Knowing more about them may help you choose which coverage you need.

What Does Roadside Assistance Cover?

Not all roadside assistance is the same, but most offer a basic package of coverage. Some examples of the different types of coverage include these following things.

Towing

Towing is the basic roadside assistance service. You either get free towing, or you get towing coverage up to a certain dollar amount.

Jumpstarts

Jumpstarts for dead batteries are included in many plans.

Flats

If you have a blowout and need a tire changed, then you may be covered. Your tire will either be changed or patched.

Lockouts

Some insurance companies, as well as private companies, will help you if you lock your keys in the car.

Fuel Help

Many policies will help you with a gallon or gas, or enough gas to get to the next service station, if you run out.

Be sure to read over your policy to make sure it has the types of coverage you want. Some companies will not cover you under certain circumstances. For example, they may not help tow you out of a flooded area or if your car is fire damaged.

What Types of Companies Offer Roadside Assistance?

Insurance companies often offer roadside assistance for a nominal fee. Some companies include it as a benefit to all policyholders. Others offer it if you have comprehensive and collision coverage. In some cases, your policy will cover you no matter what car you drive. In addition to insurance companies, other independent companies offer this type of coverage. These other companies sometimes have additional services that your insurance company may not offer.

Who Needs Roadside Assistance Coverage?

Anyone who drives a car needs this coverage even if they think they won't use it. Some car manufacturers offer roadside assistance as part of their warranty package, so you may not need this coverage right away. However, if you have a car that is out of warranty, then be sure that your insurance policy has this coverage.

Roadside assistance gives you peace of mind if you have a breakdown or emergency on the road. If you don't currently have it, then check out some of the insurance companies that offer this service. If you are looking for car insurance in general, then an auto insurance broker or agent can help you pick out the services you need.

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