The last thing you want to do is blow a tire or break down on the freeway miles away from home. Your vehicle can break down or experience issues at any time, so it's always important to be prepared. This is why you have roadside service insurance on your vehicle. Here are 4 things you should know about your service before you have to use it, so you know just how much protection you have.
If your vehicle needs to be towed, your insurance will typically pay to have your vehicle brought to the nearest repair station, or back to your home if you are not too far away. Every insurance company has a towing distance limit on their policies, which means if you exceed the towing allowance you may have to pay for a portion of your services. This is something you should be aware of in advance if you break down hundreds of miles from home and wish to have your car repaired in your home area.
Many roadside service insurance policies include things you wouldn't expect, such as having gas delivered to you if you run out on the highway or locksmith services if you get locked out of your vehicle at your home. Before going through the hassle of trying to figure out these minor issues on your own, call your insurance company and see if your problem can be included in your service coverage.
Your insurance company may pay for part of your roadside services, such as sending out a repairman with a spare tire for your vehicle, but may not be willing to reimburse you if you need to have the tire put on by a professional on-site. Talk to your insurance company and see if it is cheaper to just have your vehicle towed to a repair shop or if they will pay for having your vehicle worked on where it has broken down.
When your vehicle breaks down and you have roadside service included in your insurance, odds are all or part of your vehicle's needs will be taken care of by your policy. You should talk to your agent about your coverage so you know exactly what to expect if you ever do become disabled on the road. This way, you can be prepared to face any roadside emergency and know exactly what costs you may be facing if something does happen to your vehicle.
For more information about roadside service, visit Ruhls Diesel Repair.