Roadside assistance plans come with several important rules and exclusions that you should be aware of. Here are some key points to keep in mind:
Collision and comprehensive coverage: In most cases, you’ll need collision and comprehensive coverage on your auto insurance policy to purchase a roadside assistance rider. Roadside assistance is an add-on benefit to your existing auto insurance.
Vehicle-specific coverage: Roadside assistance coverage typically applies only to the vehicle listed on the policy. If you’re driving someone else’s car and it breaks down, your insurance coverage may not extend to that vehicle.
Coverage for various types of vehicles: Roadside assistance is not limited to cars. Depending on your insurance provider, you can also purchase coverage for motorcycles, boats, and RVs.
Membership card requirement: You will usually need a valid identification or membership card to receive emergency roadside services. Make sure to keep these items handy when seeking assistance.
It’s important to understand the details of your specific roadside assistance plan to avoid any unexpected charges. For example, there may be a limit on the number of towing miles included, and any additional distance may come with extra costs. Make sure to read your plan’s terms and conditions to avoid surprises and make the most of your coverage.
