woman calling roadside assistance

Should You Get Roadside Assistance Insurance?

Imagine getting a flat tire while you’re on a road trip. Or, you finish running your errands on a rainy evening, only to discover your car battery is dead. Now, imagine you have to take care of the issue yourself, with little no help.

For some people, taking care of these roadside emergencies is little more than an inconvenience. But for most of us, we simply don’t know cars well enough to handle these and other emergencies that may pop up. And when all other options are exhausted, you may be left with no choice but to call for emergency roadside assistance.

One of the most common reasons you may need emergency roadside assistance in Florida is getting your car towed after a car wreck. While you may have to pay for roadside assistance and car repairs out of pocket, a Pensacola car accident attorney can help you get the compensation you deserve to cover these and other expenses.

There are options available to make sure you’re taken care of if something goes wrong with your car. So should you get roadside assistance insurance? Here are a few key factors to consider.

1. Check Your Insurance Policy for Coverage Options

Most major auto insurance companies offer roadside assistance as an add-on to your policy. For many of these companies, you pay nothing out of pocket for basic services. Some, however, will require you to pay an additional charge for roadside emergency service. But for the insurers that include charges as part of your plan, you’ll typically pay less than $25 a year for the service.

Before you just sign up for roadside assistance through your car insurance provider, check what the service covers. For instance, some policies will only allow you to get your car towed 5 or 10 miles before you incur additional charges. You may also only be allowed to get assistance so many times a year before you have to pay extra.

In addition, some insurers will require you have comprehensive or collision coverage before you can add roadside assistance. If you don’t already have these coverages, you could be paying hundreds of dollars extra a year just to get roadside assistance coverage from your insurance company.

2. What’s Included in Typical Roadside Assistance Programs

Of course, you need to make sure any roadside assistance coverage you buy has the services you need. At minimum, your policy should (and probably will) include:

  • Towing, usually up to 10-15 miles depending on your area before you incur extra charges
  • Battery jumps and, for some policies, replacements
  • Flat tire changes
  • Locksmith services
  • Fuel delivery
  • Winching/extrication services

If the policy you’re considering doesn’t at least offer these services, it’s not worth the money.

3. Questions to Ask Before Choosing a Roadside Assistance Policy

Before deciding on a roadside assistance service, be sure to get the answers to these questions:

  • How far will you tow my car?
  • How many tows do I get a year?
  • How many other service calls do I get a year?
  • Do you pay for the service upfront, or will I be reimbursed for expenses?
  • What’s the process for being reimbursed?
  • What’s your average response time?
  • Does my policy apply to me as a driver, or to my vehicle?
  • Will my rate increase if I make multiple service calls a year?

Speak to a Pensacola Car Accident Attorney Today

At Emmanuel, Sheppard & Cohen, our experienced Florida car accident lawyers know how to fight for the full compensation you deserve. Contact us online or call us at 850-444-4878 for a free, no-obligation consultation today.