The Complete Guide to Emergency Roadside Assistance

Roadside assistance is a topic familiar to every driver. Even if you have just received your driver’s license and have yet to experience emergencies or unexpected situations, you need to be ready for a variety of scenarios.

It is good if the driver initially gets acquainted with topics such as roadside service and state farm roadside assistance. Knowing what kind of road assistance can be provided and what you need to know yourself, you feel more confident. No one can be 100% sure that some unforeseen event will not happen on the road. But readiness for such situations and understanding how to act is a sign of an experienced driver. If you want to become one, then this article will help you find answers to many questions.

When You May Need Emergency Roadside Assistance

Various situations can happen on the road. For example, it can be a flat tire, which leads to a car ending up on the side of the road. In such circumstances, every driver needs high-quality side road assistance. Even a small problem can lead to the driver facing real inconvenience and loss. At the same time, independent attempts to correct the situation can lead to its even greater aggravation. That typically happens when a driver under stress and pressure tries to solve a problem in which he is incompetent.

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Source: Step By Step Business

Several organizations can provide different formats of USA roadside assistance. To get free roadside assistance, you must take care of car insurance with roadside assistance in advance. Good roadside assistance insurance provides roadside services. If there is no insurance with roadside assistance, it can lead to several negative consequences at once. Here are some of them:

  • Paid service: If you did not initially take care of the roadside assistance service, you need to look for a paid service at a critical moment independently.
  • High material costs: When driving a vehicle without car insurance with roadside assistance, drivers have to pay for the services of specialized organizations that operate at fairly high rates.
  • Emotional excitement: It is often associated with the need to find effective solutions to unexpected problems in an emergency.

Thus, every driver should know the answer to the question, “What is roadside assistance?” To find out how much roadside assistance costs and what roadside assistance covers, you should familiarize yourself with the tariff plans from different insurance companies. The answer to “How much is roadside assistance?” will differ for each insurance company.

Why the Lack of Roadside Assistance Membership Has Negative Consequences

Not all drivers buy roadside insurance for emergencies. Imagine a situation where you need roadside insurance or motor assistance. If the driver does not have auto insurance with roadside assistance, he must pay large sums of money.

Solving a problem in a critical situation always pulls much more costs than the original foresight. It is better to consider such conditions in advance; then you will not have to deal with high roadside assistance prices.

In this case, the emphasis on such roadside car assistance is very important. Many drivers overlook this aspect because this type of insurance is optional. However, let’s turn to the numbers to understand the possible consequences of unforeseen situations.

Suppose the car has broken down and needs to be towed. According to the average figures, it usually costs about $109. Different services have diverse rates, varying from $3 to $7 per 1 mile of towing. Accordingly, towing alone costs about the same as roadside assistance car insurance for a year. Thus, the benefit of insurance is obvious.

What Does Insurance Roadside Assistance Mean?

According to insurance, roadside assistance services provide maintenance in the event of an unforeseen situation related to repairs or financial costs because of a car breakdown along the way. This service is provided for a one-time annual fee and is valid for 12 months without any additional payments. If we talk about the advantages of this solution, then it opens up the following prospects and advantages:

  • The driver receives automobile road services if his car breaks down on the road. He does not need to worry that all material costs will fall on his shoulders. Insurance covers some of these costs. But it’s worth taking a closer look at what is included in it. Services may include fuel delivery, towing to a service center, or replacing a flat tire.
  • Insurance allows you to significantly reduce the roadside assistance cost, which would be the driver’s responsibility under other circumstances. It works in much the same way as a car insurance policy. The owners of the policies, which provide roadside assistance costs, pay a commission or premium to the service provider. When a breakdown occurs, the driver does not need to pay out of pocket for those emergency services provided under the policy.

To put it in simple terms, the insurance company will pay for towing to the workshop. This is just one of the simple examples of how roadside assistance works. There can be many other examples of road assistance services since unforeseen situations differ.

It is worth considering in more detail what is included in such insurance. Many drivers do not purchase it solely because they’re not aware of all the advantages of this solution.

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What Roadside Assistance Coverage Provides

Each insurance company offers its range of services in this case. But we will consider the most popular and typical of them. This policy usually includes:

  • Tow assistance: When the car needs to be delivered to a service center using towing, such assistance will be very helpful.
  • Transporting people: Assistance in transporting a stranded driver and his passengers.
  • Jump-starting a vehicle on site: Simply put, it implies starting a hybrid or electric vehicle on battery.
  • Fuel delivery: This service will be very appropriate when you run out of gas on the road. It’s good when insurance can cover it, and the driver does not need to pay extra.
  • Changing tires: If a car tire is punctured on the road, such a malfunction is not serious, but in this context, it prevents the car from moving forward. Roadside assistance vehicle services will come in handy when the specialists arrive and change the wheel.
  • A winch to pull out a stuck car: Such emergency road service coverage is also useful to the driver if a malfunction occurs.

If we analyze the entire range of services provided as part of the road assistance service for insurance, then the benefits of such a solution become obvious. If you buy such insurance once, looking for the right answer to “How much for roadside assistance?” will no longer be needed. In a nutshell, it will cover all the listed costs within the amount stipulated by the policy.

Modern roadside assistance insurance companies offer a variety of such policies so that the client can choose the most comfortable solution. The roadside protection service is also very important since many drivers have requested roadside assistance in unforeseen situations.

How Car Insurance With Road Assistance Differs From Other Types of Insurance

Modern insurance services are so diverse that it can be difficult for people to understand how the policies differ. For instance, a typical auto insurance policy or manufacturer’s warranty differs from the policy discussed in this article.

As a rule, a traditional policy only covers the costs associated with an accident. At the same time, most of these policies do not provide for responding to unforeseen situations on the road. Fortunately, traffic accidents are much less common. When a car is stuck in a quagmire, a tire bursts, or fuel runs out more frequently. Accordingly, the driver is left alone with an empty tank or flat tires if he does not have roadside coverage.

Now let’s look at such an issue as roadside assistance price. As a rule, the cost of roadside assistance can be part of an additional service that the car owner gets to the main policy. Usually, insurance companies are interested in the fact that the client chooses several of their services at once. Companies offer favorable price offers to encourage customers to make such a choice. The cost of roadside assistance may be lower if you use different services from the same company.

Who Can Benefit From This Coverage Option

The answer to “What is the best roadside assistance?” is obvious obvious if you buy roadside assistance insurance coverage in addition to the standard insurance policy. It can be in the format of participation in the membership program from the insurance company and roadside assistance without membership. This service is relevant for various categories of drivers, but there are those for whom it is especially important, including:

  • Elderly people: The older a person is, the more vulnerable he is to unforeseen situations on the road. If an experienced but younger driver can solve a flat tire much easier with a spare, it will be more difficult for an older person due to his poor health.
  • Drivers who have just received their driver’s license: As a rule, such people do not have enough experience to respond to unforeseen situations on the road correctly. When such a driver thinks, “I need roadside assistance,” insurance covers him for the necessary costs associated with such a situation.
  • Parents with young children: The insurance company will indicate what roadside assistance would be appropriate. When parents go on a journey with a small child, they must give him maximum attention. In such a situation, it can be difficult to leave the car if, for example, gasoline has run out. Walking with a child in your arms and a canister in your hand is difficult to walk to the nearest gas, especially if it’s far away. When auto roadside services are provided, they simplify the task. In this case, the insurance company representatives — not the driver himself — can deal with this issue.
  • People with disabilities: For many, even a simple car repair or towing in the event of a flat tire can be a problem. Therefore, it is worth choosing the insurance option discussed in this article because the answer to “Does roadside assistance cover towing?” is affirmative. To avoid thinking about how to get roadside assistance later in a critical situation, you should take care of this in advance. Then roadside help will be provided in a quality and timely manner.
  • Drivers who use old vehicles: The older the car, the greater the risk that an unforeseen situation may arise in adverse conditions. For example, this happens if the driver has to drive off-road. Getting roadside car service under the insurance will be a good option when you need off-road assistance. You should consider insurance to prevent roadside assistance costs from falling on the driver. An old car can fail, so you should protect yourself from such a situation.
  • Drivers who drive more than 20 miles daily: The more time a person spends behind the wheel, the greater the likelihood of unforeseen situations. This probability increases due to the laws of statistics. High-quality roadside assistance without insurance is expensive. To avoid paying for premium roadside assistance on your own, you should initially foresee such a service while interacting with the insurance company. There are many good emergency car services, but the driver will not be happy to pay for them. It’s good if automobile roadside assistance is included in the insurance company’s services ordered by him.
  • People who live in remote areas: If an unforeseen situation occurs, side assistance within the insurance framework makes it possible not to be left alone with the problem.

Summing up, road assistance insurance gives the driver more confidence and allows him to minimize costs if he has to deal with a flat tire or towing the car. If we compare how much it costs for roadside assistance and what costs such a situation incurs without proper coverage, the practicality of such a policy is obvious. At the end of the day, you need to take care of yourself, protect yourself from trouble on the road, and choose insurance services that will help you achieve this goal.

Victoria Berezhetska

Victoria Berezhetska is a Content Lead at and an expert contributor to CoverExplore. She has a Bachelor of Science degree in Business Administration, with extensive working experience as a PR specialist and content writer. At CoverExplore, she helps customers find the right educational material through easily digestible blog posts and buying guides backing their insurance coverage choice. Victoria covers diverse topics around digital and insurance marketing, including auto, home, health, and life insurance.

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