An optional addition available for most car insurance policies, Emergency Road Service is designed to help pay for many issues that may arise, which are not covered by the typical car insurance policy. Depending on the level of coverage carried, the service helps pay for numerous situations.
Emergency Towing & Lockout Service
The coverage provides towing service for just about any situation where towing is required. In the even that towing isn’t necessary, the vehicle will be repaired on scene whenever possible. Some situations where Emergency Service applies:
- Vehicle Breakdown.
- Dead Battery.
- Lockout.
- Flat Tire.
If the insured’s vehicle breaks down, Emergency Service will pay for towing to the nearest repair facility.
Emergency Service will pay for a service call to jump or replace a dead battery.
A locksmith will be dispatched and paid for should the insured be locked out of their vehicle.
In the event of a flat tire, emergency service will be dispatched to either tow or repair the flat tire.
Dependent upon the situation, an insured driver will be reimbursed for emergency charges incurred, or the insurance company will pay the emergency service company direct. Generally this service is a very affordable option to add to any car insurance policy, and one should consult an agent to discuss all charges involved.
Determining The Need
While most will find that Emergency Road Service is a rather affordable insurance addition, the same coverage may be provided by another agreement. Many new vehicles will come with road service under the factory warranty period, so it’s important to understand one’s coverage to ensure there is no overlap.
There are also many “motor clubs” that offer such service to their members. While the service is generally the same, one might find that securing such coverage through an insurance company will be more cost effective.