Has it ever happened to you that your car breaks down on a quiet country road or busy highway? Doesn’t this thought itself bring anxiety in your mind? So, what is the solution if you ever get caught in a situation like this? 

This is when roadside assistance helps. Roadside assistance helps you when you are in dire help of assistance on a road. 

Here, in this article, I will explain to you in detail what roadside assistance usually includes and why it’s an important part of your car insurance policy.

What is roadside assistance coverage?

Roadside assistance is a helpful service you can add to your car insurance policy. It provides help when your car breaks down, stops working, or can’t be driven for many different reasons.

So, what does Roadside assistance cover?

  • Flat Tire: If your tire goes flat, they will come and fix it.
  • Out of Fuel: If you run out of gas, they will bring you fuel.
  • Dead Battery: If your battery dies, they will jump-start your car.
  • Engine Trouble: For more serious problems like engine issues, they will tow your car to a mechanic.

To get help, you just need to call a trusted roadside assistance provider. They will come to your rescue, making it a real lifesaver when you’re stuck.

What does roadside assistance coverage include?

The details of roadside assistance coverage can change based on your insurance provider, where you are, and the coverage level you choose. Here are some of the most common features offered by most standard roadside assistance plans:

  1. Towing: If your car can’t be fixed where it broke down, roadside assistance will send a tow truck to take your car to the nearest repair shop or your preferred mechanic.
  2. Battery Jump-Start: An experienced roadside service technician will jump-start your car if your battery dies. Some plans also offer to replace the battery if it’s completely dead.
  3. Flat Tire Assistance: Roadside assistance will replace a flat tire with your spare tire if you get one. If you don’t have a spare or the problem is more serious, they may tow your car to a repair shop.
  4. Fuel Delivery: If you run out of fuel, roadside assistance can bring a small amount of gas to your car. This is usually enough to get you to the nearest gas station.
  5. EV Charge Down: For electric vehicles (EVs), some roadside assistance services provide portable charging or will tow your car to the nearest charging station if your battery runs out.
  6. Lockout Service: If you lock your keys inside your car, roadside assistance will send someone to unlock your car for you.
  7. Winching: If your car gets stuck in a ditch, mud, or snow, roadside assistance will send someone to pull your car out and get you back on the road.
  8. Minor Mechanical Repairs: Some plans offer on-the-spot repair services for minor problems, including headlight bulbs, stuck horns, and hose replacements.

Each of these services can be a huge help when you’re in a tough situation. Roadside assistance is there to make sure you get back on the road quickly and safely.

How does roadside assistance benefit you?

When you run into trouble on the road, roadside assistance can come in handy. This safety net is great for the following reasons:

  1. Safety: Knowing you have roadside assistance gives you peace of mind. You’ll feel less stressed knowing help is available, especially if you’re in an unfamiliar or unsafe place.
  2. Convenience: When your car breaks down, it can be a hassle. Roadside assistance makes things easier and gets you back on the road quickly.
  3. Savings: Without roadside assistance, you might have to pay a lot for towing and other emergency services. With coverage, these costs are taken care of.
  4. Available 24/7: Roadside assistance is available all the time, day or night. No matter when you have a problem, help is just a phone call away.
  5. Versatility: Whether you’re on a road trip, commuting to work, or just running errands, roadside assistance can help you wherever you go.

In short, having roadside assistance means you’re prepared for any car troubles, making your driving experience safer, easier, and more cost-effective.

Does every car insurance policy include roadside assistance?

Roadside assistance is usually not included in standard car insurance policies in Canada. However, many insurance companies offer it as an optional add-on for an extra cost or as part of a comprehensive coverage package.

Here’s what roadside assistance packages generally include:

  1. Basic Assistance: This covers the most common problems like towing, jump-starting a dead battery, flat tire help, and fuel delivery.
  2. Extended Towing: Some plans have limits on how far they’ll tow your car. An extended towing package allows for longer tows, which is helpful if you drive long distances or take road trips.
  3. Trip Interruption: If your car breaks down far from home, this helps pay for car rental, lodging, or dining expenses while you wait for repairs.
  4. Concierge Services: This is a high-end package that offers help with making hotel reservations, booking flights, arranging alternative transportation, and more.

Get back on the road quickly with roadside assistance coverage

Having car problems can be very stressful, but roadside assistance can make the situation much easier to handle. It’s a small investment that gives you great peace of mind, knowing you have protection and help whenever you’re driving.

To find out what coverage options are available and see if you can add roadside assistance to your policy, talk to a PearlCorp insurance agent. They can help you understand your choices and make sure you’re covered.