While you are sure to know if you have purchased a standalone roadside assistance policy, not having one of these policies does not necessarily mean that you do not have coverage. This is because there are several different types of coverage which typically include roadside assistance. The problem is, many people often fail to realize they even have this coverage and therefore fail to take advantage of it. To help prevent you from making this same mistake, you may want to check the following three places to ensure you do not have coverage available before you pay cash for your next tow.
Car Insurance Policy
Many auto insurance policies now offer roadside assistance coverage. While you are free to decline this coverage, it is typically included as part of a standard quote. Consequently, if you did not choose to decline the coverage there is a good chance that you may have the coverage you need.
In the event that your car insurance policy does not offer roadside assistance coverage and you find that you are not covered by any of the other policies described below, you may want to inquire about the addition of this coverage before you pay cash for the services you need. In many cases, you will find that adding this coverage is much cheaper than paying cash for even a single tow.
Major Credit Card
People rarely think to check with their credit card company to see if they offer roadside assistance coverage. However, this type of coverage is more common than you may think. This is especially true if you have a major credit card that offers travel rewards. Since these cards are specifically geared towards individuals who like to travel, credit card companies will often include roadside assistance coverage as a perk in order to attract new card applicants.
Car Warranty
If your vehicle is still under warranty or if you purchased an extended warranty, you may find that this warranty coverage also comes with roadside assistance coverage. To determine whether or not you have coverage you will need to call the company that handles your warranty claims and not the dealership where you purchased the vehicle.
What If You Don't Have Coverage?
If you have checked all the places discussed above and find that you truly don't have any roadside assistance coverage, you may wish to consider purchasing a standalone policy rather than pay for towing services. These standalone policies can often go into effect immediately and can often save you a ton of money in the long run while also addressing your current need to have your vehicle towed to your home or repair shop. Contact a roadside assistance service to learn more.
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