What is Roadside Assistance?

What is Roadside Assistance

We’ve all been there. You’re driving down the road and something happens. It might be that you suddenly have a flat tire, you got into an accident, or maybe skidded off the road because of slippery conditions. Either way, you’re stuck on the side of the road and now need roadside assistance.

Luckily, most insurance companies offer roadside assistance as a benefit on your auto insurance policy. Speak to your independent insurance agent today to ensure that you have the right coverage. Otherwise add it to your policy as soon as you are able. There are many benefits to having roadside assistance. If you are stranded, it can help cover expenses related to:

  •      Towing
  •      Jump-starting a battery
  •      Changing a flat tire
  •      Pulling a vehicle out of the snow, a ditch, or other difficult position
  •      Providing a small amount of fuel if you run out
  •      Making smaller repairs on the side of the road

Most insurers offer the same roadside services. Below is information regarding the roadside assistance programs of several major insurance carriers. If your insurance company is not on the list, speak to your agent directly.

State Farm Emergency Road Service

If you have a State Farm policy and are in need to roadside assistance, look to your insurance card. Listed on the card is their toll-free number. The operator will verify your policy and dispatch a local service to help you. You will be covered if you have Coverage H, which is under the heading Emergency Road Service. Once help has arrived, they will not bill you directly, but will work out the fees with State Farm. If you do not have Coverage H, you can still call the toll-free number for help, but you will have to pay out of pocket. In certain parts of Canada, there is a dollar limit to the amount you can spend for roadside assistance. For more information, click here.

Liberty Mutual 24-Hour Roadside Assistance

Like most of the other major insurance companies, Liberty Mutual has 24-hour roadside assistance. You simply need to call their toll-free number and they will find help in your area. The plan includes coverage if your car breaks down or stops working. If you need towing or labor services, it will either be covered under your Collision and Comprehensive coverage or a specialized Towing and Labor plan. Additionally, with the Towing and Labor policy, you will be protected if you have an incident in a rental car. For more information, click here.

GEICO Mechanical Breakdown

GEICO offers mechanical breakdown insurance (MBI), but you need to purchase it when your car is still relatively new: less than 15 months old or with fewer than 15,000 miles. After you have an MBI policy, you can continue to renew it until the car reaches 7 years old or 100,000 miles. The deductible for this policy is $250, but the rest of the repairs, parts, and systems are covered. This does not include regular maintenance or damage due to normal wear and tear. If you experience a break down, call their 24-hour hotline or use their online claim form. Once you have approval (this takes less than 24 hours), then you can bring your car to a repair shop. For more information, click here.

Travelers Premier Roadside Assistance

Travelers offers two different roadside assistance packages: Basic and Premier. With Premier coverage, the towing service extends from 15 miles to 100 miles, as well as continuing to provide for a flat tire, jumpstart, lockout, and fuel delivery. However, there are several other benefits too. You also receive Trip Interruption coverage. If you experience a breakdown while far away from home, then this policy will help to pay for your hotel stay and meals: up to $200 per day and $600 per breakdown. You also are covered for $500 worth of personal property that may have been stolen or damaged while your car was broken down. No matter whether you have Basic or Premier, you simply need to call the Travelers toll-free number and they will assist you. For more information, click here.

AARP Roadside Assistance (Hartford)

AARP offers roadside assistance to its members. Depending upon your membership plan, the benefits vary slightly. There are four different levels: Premier, Standard, Premier Road ‘N Tow, and Road ‘N Tow. Both premier packages offer longer towing distances (100 miles instead of 5 miles), additional money for a lock and key replacement, and more covered claims per year. With the Premier and Standard policies (not Road ‘N Tow), you also receive an Auto Theft Deterrent Award, Trip Interruption Guarantee, Trip Routing, Warranty Repair Service, and a Vehicle Repair Check Guarantee. For more information, click here.

Progressive Roadside Assistance – Roadside Service

Progressive Insurance offers a roadside assistance plan that you can add to your auto policy. You must have Comprehensive and Collision coverage first before being able to add roadside assistance. Like the other insurance carriers in this article, if you experience a breakdown, accident, or other incident while driving, you simply need to call their toll-free number. There are operators ready to help 24 hours a day. They will then send out a service professional to the location of your car. You only need to sign the invoice and the insurer will cover the fee. If you forget to call ahead and instead use a different service provider, you can mail in a copy of your receipt and be reimbursed. The towing limits are 15 miles or the nearest repair shop. For more information, click here.

Contact Your Agent

Speak to your independent insurance agent today to find out more about the roadside assistance programs they can offer. They can also explain the differences between policies and the requirements for adding coverage to your existing insurance.

Other Enhanced Insurance articles related to Car Insurance Coverage:

What Is a Car Insurance Deductible

What Is Personal Injury Protection Coverage

What Is Medical Payments Coverage

What Is Underinsured Motorist Protection

What Is Uninsured Motorist Protection

What Is Rental Car Insurance Coverage

What Is GAP Coverage?

How Much Is GAP Insurance?

Collision Insurance Coverage

Property Damage Coverage

Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.

While the majority of people want an agent involved in their purchase of insurance, many people want to see if they can save money by buying direct from the insurance company. Others want to try a direct quote to make sure the premium they’re now paying through their local agent is fair. If you want a quote for your coverage, click on the competitive quote button on the right side of this page.

Other EnhancedInsurance.com articles that might interest you:


Are Potholes Covered by Auto Insurance

How Is Commercial Auto Different Than Personal Auto Coverage?

How Does Blanket Insurance Differ from Scheduled Insurance?

Discount Double Check

Excluding Electronic Aggression from Homeowners Coverage

Use Life Insurance to Protect Co-Signers on Student Loans

What Are the Most Affordable Cars for College Students

Will My Landlord’s Insurance Cover My Personal Belongings?

How Much Does Teenage Auto Insurance Cost?

Insurance Discounts for Teachers

Home Security and Home Insurance

What is LLC Insurance?

Which Comes First: The Student Loan or the Credit Score?

What Is Sinkhole Insurance?

What Is Flood Insurance?

Green Car Discount

Jenna Christianson has a passion for research and writing. She has worked as a researcher for a variety of organizations ranging from genealogy to the transportation industry and everything in between. She is excited to be a part of the Enhanced Insurance team!

Leave a Comment

Your email address will not be published. Required fields are marked *