Emergency Road Service coverage
If you are on the road and your engine fails, a tire blows, you run out of gas, you have a dead battery or you are unable to move because your wheels are stuck, what are you going to do? If you have an automotive insurance policy with emergency road service coverage, you’ll be just fine. Your insurance will pay the cost for such things as tire changes, fuel delivery, towing, locksmith, and battery service. Many major insurance companies offer this type of coverage. In most cases, the customer only have to check a box to elect to have it added to their auto insurance policy. However, prior to electing to have it added to your policy, you should consider the cost of the emergency service coverage, what the right limit would be for you, and exactly what type of roadside services you would want.
What To Do When You Have An Emergency
If something occurs to your car while you are on the road, you may not know the first thing to do but we will help you out by telling you exactly what you should do. The first thing we’d like to tell you is not to panic. When a person does this, they usually aren’t able to focus and will begin to think irrationally. If you are in the path of traffic, try to get as far away as you can to prevent being harmed. If you have Emergency Road Service coverage, there is typically a roadside service number allocated to those who need roadside assistance. Call this number and let the representative know what your emergency and where you are located. They will send someone to service your needs. There are some insurance companies that prefer you call an approved towing service and they will reimburse you. If you need a towing service, first check with the representative to make sure you are allowed to hire someone and get reimbursed before doing so.
Motor Club or Insurance Coverage
You may have heard of some roadside assistance programs, such as AAA. They provide 24-hour roadside assistance as part of a membership program. You pay a membership fee and are offered other benefits for being a part of the motor club. However if you are considering going this route, you should also know that the fee to join a motor club is usually higher than purchasing emergency road service coverage from your auto insurance company. On the other hand, they do offer other perks which you may find appealing enough that you might consider having it in addition to the coverage provided by your insurance company. In some cases, thee are even some auto insurance companies that will reduce your premium rate if you are member of a reputable motor club. This is certainly something to consider when you are attempting to be proactive by purchasing emergency roadside coverage. Even if you never use it, it’s certainly nice to know that it is available if you do.