Roadside assistance coverage

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 5, 2012

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Insurance Question from Altoona, WI

Asked on 09/05/2012

Roadside assistance coverage I am considering getting roadside assistance coverage, is this considered a type of insurance? Where can I find out information on the different kinds of coverage?

Answer given on September 05, 2012

Roadside service is generally the same type of coverage. It is a part of an auto policy and the cost is very inexpensive. It is usually a reimbursement type of insurance – you pay for the service and then submit the bill to your insurance company and they reimburse you. Some agents have an arrangement with local tow companies that will bill the agent directly, but you need to know if that is available with your agent or company.You need to be sure you understand the limitations of the coverage offered. Most policies will only tow you to the nearest repair facility. It will not tow you across town, to another town or the like. The coverage also includes tire changing and lockouts. It does not cover the cost of a new tire or a new set of keys.There are some AAA coverages offered that is not a part of the auto insurance. Depending upon the type of coverage you select, you could be towed to a 50 mile radius, and in some states as far as you want to go. It is more expensive – running from $60 to $200 a year. Also if you use it too often,t he could drop you.

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