Automobile Breakdown Coverage Explained

You’re halfway through your cross-country trip, when all of a sudden; your car just stops unexpectedly. You are hundreds of miles away from home and in the middle of nowhere. Whatever are you going to do?

Luckily you have an insurance provider who provides roadside assistance.  You call the roadside assistance number, and a tow truck arrives to help in a matter of minutes.  When you return home safely, and regale your friends with your story some of them may wonder just how you chose a roadside assistance program.  Make sure they know the following, so that they too can experience the joy he of knowing that someone is looking out for you.

Roadside assistance providers are everywhere these days, not only are they offered by insurance agencies, but they are also offered by credit card and cell phone companies.  Before you choose who to buy roadside assistance from, you need to ask several questions.

The first question you need to ask is what the turnaround time when you make a call is.  This is often the deal breaker for most people.  With some companies, the turnaround time could be as long as 2 to 3 hours.  Who would want to wait that long to get help?

Secondly, you are going to want to ask about the cost of membership to the program.  Most roadside assistance programs are divided up into three main categories, depending on how much they cost.  There are the free roadside assistance programs which are very popular with many people.  There are also the add-on programs, which frequently are offered by membership organizations such as Sam’s club.  Then there are also the standalone roadside assistance policies now these policies can be purchased from anywhere like your credit card company or even your cell phone company if it is offered, they are assistance packages that companies usually sell separate from other memberships or insurance policies.

You also want to ask how many times per year, are you allowed to call for roadside assistance.

If you have older car, you may need a higher amount of calls that someone with a newer car.

Before you commit to any plan you need to make sure that it will meet your needs.  A good way to do this is to make sure that it covers you, and not just your vehicle.  After you decide whether or not it meets your specific needs and will leave you paying for extra services, you will want to make sure that the roadside assistance program will cover you no matter where you are.

No matter what company you actually decide upon, make sure you read and understand everything that you’re roadside assistance policy covers so that if something happens, you will know exactly who to call for help.