The general reliability of modern vehicles make it easy to buy cheap auto insurance protection with emergency road service coverage that can get motorists out of a temporary mechanical or other problem.
If a car battery is dead or the vehicle has a flat tire, the emergency coverage will enable the owner to call for help and wait until a tow truck or other vehicle has been dispatched and arrives to provide road side service. The service might include a jump start, changing out a flat tire or providing a tow. If out of gas, a few gallons might be provided to get the vehicle to a gas station for a refill.
Such services have limitations on how often can be used by policyholders. Some people have been known to take advantage of the free gas in particular by claiming to be out of gas, for example. They can get up to five gallons of gas at no additional cost, which is a minor type of fraud that has gone on for at long a emergency road service has been offered.
There are other limitations on the type of service provided. If the vehicle has a flat tire, the responding driver will do no more than switch the tire with a spare or give the vehicle a tow to the car owners home if it is close enough or to the nearest approved repair facility. The tire cannot be repaired or replaced due to many factors, including the tow truck not carrying spare tires or the equipment to mount and balance them.
There also are limits on the distance a vehicle will be towed. Insurers will put limits on how far the insurance coverage will pay for towing a vehicle, which often times is not more than 125 miles and often times less. Any distance beyond that mark will be paid by the policyholder, who also likely will need to pay the entire towing bill up front and file for reimbursement.
When locked out of the vehicle, emergency road side service also can help. A locksmith might be dispatched, but, more likely, the help will come from someone other than a locksmith. Most vehicles now are opened with the use of a wedge that slips between the door gap near the top of the window and is inflated until a space develops. A rod is slipped through the gap and used to manipulate the door handle until it opens.
Emergency road side service is an affordable policy that adds usually less than $40 to annual premium on an insurance policy or $20 on plans that last for six months, which has become an industry standard.
If a car battery is dead or the vehicle has a flat tire, the emergency coverage will enable the owner to call for help and wait until a tow truck or other vehicle has been dispatched and arrives to provide road side service. The service might include a jump start, changing out a flat tire or providing a tow. If out of gas, a few gallons might be provided to get the vehicle to a gas station for a refill.
Such services have limitations on how often can be used by policyholders. Some people have been known to take advantage of the free gas in particular by claiming to be out of gas, for example. They can get up to five gallons of gas at no additional cost, which is a minor type of fraud that has gone on for at long a emergency road service has been offered.
There are other limitations on the type of service provided. If the vehicle has a flat tire, the responding driver will do no more than switch the tire with a spare or give the vehicle a tow to the car owners home if it is close enough or to the nearest approved repair facility. The tire cannot be repaired or replaced due to many factors, including the tow truck not carrying spare tires or the equipment to mount and balance them.
There also are limits on the distance a vehicle will be towed. Insurers will put limits on how far the insurance coverage will pay for towing a vehicle, which often times is not more than 125 miles and often times less. Any distance beyond that mark will be paid by the policyholder, who also likely will need to pay the entire towing bill up front and file for reimbursement.
When locked out of the vehicle, emergency road side service also can help. A locksmith might be dispatched, but, more likely, the help will come from someone other than a locksmith. Most vehicles now are opened with the use of a wedge that slips between the door gap near the top of the window and is inflated until a space develops. A rod is slipped through the gap and used to manipulate the door handle until it opens.
Emergency road side service is an affordable policy that adds usually less than $40 to annual premium on an insurance policy or $20 on plans that last for six months, which has become an industry standard.
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