One of the most neglected, yet valuable types of car insurance coverage is roadside assistance. In fact, roadside assistance can serve you in a variety of ways, is inexpensive, and could be your saving grace in stressful situations, making it invaluable and a wise investment. Read on to learn more about auto insurance basics and why roadside assistance is a no-brainer:
What is Roadside Assistance Coverage?
Roadside assistance is more than a specialty service of convenience. While it does provide services that some people can do themselves, like change a flat tire or jump off a dead battery, not everyone can do these things for themselves. Therefore, for many people having roadside assistance coverage is a good idea. That’s to say nothing of the other services that roadside assistance can provide that help virtually every driver no matter their knowledge level or capabilities. Speaking of which, consider the benefits that frequently are part of these policies…
Roadside Assistance Benefits For Your Personal Auto Policy
In most cases, the following services will be part of roadside benefits. Individual policies will vary, so make sure to inquire with your agent about the specific benefits you can expect:
- Towing.
- Gas and water delivery.
- Key services.
- Assistance when your car has broken down.
- Assistance when you are stuck in the snow or mud.
- Flat tire.
- Dead battery.
Signs You Could Benefit From Roadside Assistance Coverage
Virtually anyone can benefit from roadside assistance. After all, there is no way to predict many of the perils that lead to finding yourself stuck on the roadside in need of aid. However, the following are specific factors that indicate you especially would benefit from this coverage:
- You drive long distances for work. It stands to reason that the more often you are on the roadways, the more likely you will find yourself facing a problematic situation.
- You drive an older vehicle. Let’s face it, the older the car and the greater the miles, the more likely it is going to have issues, as a general rule. Therefore, if your car has one foot in the junkyard, you will likely experience more issues than someone who drives a newer vehicle.
- You drive long distances on the regular to see family and friends. Again, the more often you are out on the roads, the more likely it becomes you will need assistance.
- You live in a cold-weather environment. Snow and ice can cause all sorts of transportation issues, and it has nothing to do with driver skill level, either, as it can strand virtually anyone no matter their skill level. Therefore, if you reside in an area that frequently has cold weather-related situations like ice and snow, you are a great candidate for roadside assistance.
- You have limited knowledge of auto repair. In some cases, you can fix what’s wrong with your car yourself and get yourself back going. However, if you don’t have this type of skill, you can find yourself in a mess with no way to fix it.
- You do not have a good support system to help you out located nearby should you have car trouble. If you don’t know how to fix the issue yourself, you are fortunate if you have friends or family nearby who will come to your rescue. Of course, not everyone has this, and they need to rely instead on roadside assistance.
- You are physically unable to perform the tasks necessary to correct a roadside problem. If you struggle physically, you can find yourself in need of roadside services.
Bottom Line: Roadside Assistance is a Good Idea For Virtually Every Driver
Roadside assistance is inexpensive and a no-brainer to add to your auto insurance policy. All you have to do is reach out to your agent/provider and ask about adding it.
