You cannot drive without insurance, but many motorists are true believers in another type of insurance: roadside assistance.
These programs often provide a collection of services that can be invaluable in staying protected on the road; including lockout assistance, battery-jumping, tire inflation and towing. Some programs provide for the delivery of an emergency ration of gasoline if a motorist runs out of gas or even oil and fluids if they become depleted.
Like the insurance that protects you and your vehicle if you are involved in an accident, roadside assistance programs vary and deserve a close reading of the fine print. You might find the insurance they provide – in the form of peace of mind – well worth the cost. “Kick the tires” of these programs by assessing:
Scope of services
Your decision might ride on the scope of services. And arguably, you should be able to call for help if you lock your keys in your car, your battery dies, a tire goes flat or your vehicle is no longer drivable for any reason. Depending on where you drive, and at what time of day, you may or may not be interested in “add-on” features such as gas and fluid deliveries.
Similarly, you should evaluate emergency travel assistance and “trip interruption” coverage if your vehicle suffers a breakdown far from home. This type of insurance covers such expenses as a hotel room, meals and emergency transportation.
The towing coverage
Towing is usually the biggest draw of roadside assistance programs, but companies vary in how they charge for this service. Some companies charge by the mile; others provide coverage up to a certain dollar amount. If you’re already wondering, “And what might that be?” you know why many motorists prefer the first choice. Plus, even if that specified amount sounds sky-high, many towing companies have been known to tack on extra fees that flustered motorists feel hopeless about disputing.
Availability of services
Many plans offer 24/7 roadside assistance but may limit the coverage to in-state calls only. If you often cross state lines in your vehicle, you’ll want to ensure you choose a roadside assistance program will come to your aid, without boundaries.
Vehicle restrictions
It’s easy to make assumptions, but they could burn you if you’re halfway across the country in an RV with a broken axle. While most roadside assistance programs cover cars, light trucks, SUVs and trucks, coverage for RVs – including motor homes, travel trailers, pop-up trailers and boat trailers – is often available only at an extra charge.
The perks
Premium plans often include perks such as discounts on car rentals and stays at certain hotels. Crunch the numbers and see if the added cost of these plans is worth it. If you travel frequently, it might be.
Since many dealerships offer extended and expanded warranties, you might believe a roadside assistance program is unnecessary. If you’re unsure, come talk to the professionals at Valley Automall. They can help you compare and contrast your options – so you always enjoy peace of mind while you’re on the road.