When you’re out on the road, it’s important to have peace of mind that help is always nearby if you experience a breakdown or an accident. Many people opt for roadside assistance coverage for their car insurance policies. But does roadside assistance count as an insurance claim?
In this blog, we’ll explore the ins and outs of roadside assistance coverage and how it affects your car insurance policy.
Does Car Insurance Include Roadside Assistance?
The answer to this question depends on your car insurance type. Many auto insurers offer different levels of roadside assistance coverage that can be included in your policy for an additional fee.
Regarding auto insurance, many companies now offer roadside assistance as an add-on for their policies. However, the advantages and costs of this service will differ between providers. So, in case of an accident on the road, having on hand a trusted towing company, like Bronx Towing Express, is very useful.
Limitations of Car Insurance With Roadside Assistance
Most insurance companies provide basic roadside aid. Some may even go the extra mile to offer expedited mechanical repairs or winching services to get your car back on the road quickly and safely before it is towed. Typically, standard roadside assistance includes:
- Flat tire
- Lockout assistance
- Gas delivery
- Dead battery
But what are the limitations of car insurance with roadside assistance services? One of the biggest limitations is that roadside assistance does not count as a claim, so it will not be reflected in your premiums. It’s important to pay attention to your policy’s fine print and ensure you understand what services are covered and which ones are excluded. Here are other situations where the insurance roadside assistance wouldn’t cover you:
Collision and comprehensive coverage are required: To acquire roadside assistance coverage through your auto insurance provider, you typically need both collision and comprehensive coverage. Fortunately, this extra service can be easily added to any existing policy.
Uniquely designed for your vehicle: Roadside assistance insurance coverage only applies to your car. Therefore, if your friend’s vehicle malfunctions while you’re behind the wheel. Unfortunately, your policy won’t cover that.
Emergency Roadside Assistance in The Bronx!
Car insurance companies offer various levels of roadside assistance coverage. While the specifics may vary between providers, it’s important to understand your policy’s limitations so you know what type of help you can count on if you find yourself stranded on the side of the road.
Remember that while roadside assistance services may be included in your policy, they typically don’t count as an insurance claim.
If you live in the Bronx and need emergency roadside assistance, look no further than Bronx Towing Express! Our team of certified professionals can help you get back on the road quickly and safely with comprehensive towing services. Give us a call today to learn more!