How Roadside Assistance Works

There’s nothing like the sinking feeling when you realize you’ve locked your keys in the car or the sudden anxiety when your vehicle breaks down while on a trip. While we can’t always predict these unfortunate situations, we can certainly prepare for them.

Roadside assistance coverage through your car insurance policy can be a lifesaver—quite literally—in these moments. At Hanway Insurance in Oak Lawn, Illinois, we provide access to this often overlooked but valuable optional insurance coverage.

What Is Roadside Assistance Coverage?

Roadside assistance is an add-on coverage you can include in your car insurance policy. Many insurers require collision and comprehensive coverage before they offer roadside assistance. It’s designed to help you when you face common vehicular issues that leave you stranded or in need of immediate assistance. This service may help provide the following coverage:

• Towing services
• Flat tire change
• Battery jump-start and charge
• Lockout service
• Fuel delivery
• Minor mechanical services
• Winching
• Trip interruption

Roadside assistance coverage may vary depending on the insurer. For example, there may be a mileage limit on towing services, and the policy may limit the number of tows or service calls to three or four per year. Your agent can help you understand exactly what your policy covers and how to access help when needed.

Generally, if you find yourself in need, call the emergency number provided by your insurance company. After verifying your policy details, the insurer will dispatch the necessary service to your location.

Many policies offer roadside assistance without any upfront payment. The costs are usually reimbursed or billed directly to your insurance company. It’s essential to read the fine print as service restrictions may be based on your location; there may also be particular rules about who can access your roadside assistance plan’s benefits.

Why Is Roadside Assistance a Smart Choice?

Quick and professional help reduces the time you spend stranded, minimizing potential risks, especially when in an unfamiliar or unsafe location. Plus, the cost of a single towing service can exceed the annual premium for adding roadside assistance to your car insurance policy.

Contact Us

Roadside assistance coverage can help you tailor your car insurance coverage to meet your needs. Contact the Hanway Insurance team for roadside assistance quotes and add this crucial coverage to your auto insurance policy.