There are over 6 million passenger car accidents every year in the US. Think about the chances of you getting in a car accident if you drive regularly. This hazardous nature of road travel is why car insurance is so necessary and mandatory to have.
From liability insurance that is mandatory in almost every state to personal injury protection plans in 12 states and uninsured motorist coverage required in 14 states, the bill for car insurance can get a bit long.
That’s not all. Collision and comprehensive insurance are two essential, optional car insurance policies that are equally important. So amidst spending thousands of dollars on car insurance, should you get emergency road service with your car insurance?
Let’s look at all the possible situations where spending on emergency road service would be worth it and when you should avoid it at all costs.
What is Emergency Road Service?
Emergency road service, as the name suggests, is a service you can opt for if you get in an emergency in the middle of the road. It is popularly known as roadside assistance, and unlike other insurance policies like collision or comprehensive insurance, it is just an add-on.
An insurance add-on is something that does not operate on itself, but it is added to your policy to make it more valuable based on your needs. Roadside assistance is used by people who travel on the road a lot, and there are some genuine benefits for the price you pay for it.
Benefits of Roadside Assistance
Roadside assistance is quite popular in the US, but is it right for you? Some great benefits come with it. Roadside assistance can be availed when you are stuck on the road with the following issues:
● Flat tire
● Discharged/dead battery
● No gas
● Towing requirement
● Additional services depending on the company
For example, if you are on a road trip in the middle of the freeway flanked by desert on both sides. What happens if you get a flat tire and cannot replace it yourself? This is the time when you call for roadside assistance.
Do note that insurance companies will send a mechanic to change your tire, not get you a new one. You’ll have to pay for the tire from your pocket, as insurance companies do not cover flat tires in most cases.