All About Emergency Roadside Assistance Coverage

Emergency roadside assistance coverage is an optional insurance policy that covers you in certain emergency situations.

Typically, emergency roadside assistance doesn’t add an exorbitant amount to your car insurance policy (say, $20 to $150 per year). However, it can be useful when your vehicle’s battery dies, when you need to change a flat tire, or when you need to get your vehicle towed.

Is emergency roadside assistance coverage worth it? Today, we’re explaining everything you need to know about emergency roadside assistance coverage.

What Is It?

Emergency roadside assistance coverage is labeled under a few different names. GEICO calls it “Emergency Road Service”, for example, while Allstate calls it “24 Hour Roadside Coverage”. Some companies call it “breakdown insurance” or “breakdown coverage.”roadside assistance coverage

In general, roadside assistance insurance plans cover non-accident related problems with your vehicle. If your vehicle’s battery dies in a parking lot, for example, then you might get a free boost from a technician. If your vehicle needs to be towed, winched, or unlocked, then roadside assistance insurance might cover that too.

The basic idea behind roadside assistance insurance is that you get peace of mind for many unexpected events on the road. You call your insurance company’s hotline 24 hours a day, 7 days a week, and a representative will dispatch a roadside service professional to your location immediately.

What’s Covered by Emergency Roadside Assistance Insurance?

Emergency roadside assistance insurance covers a wide variety of vehicle problems. The major “restriction” with this coverage is that it doesn’t cover accident-related damages or recovery services. If your vehicle needs to be towed after an accident, for example, then that will not typically fall under roadside assistance coverage.

Here are some of the major services covered by most emergency roadside assistance companies:


If your vehicle needs to be towed, then emergency roadside assistance coverage will typically cover the cost of towing your vehicle to the nearest qualified repair facility. However, once your vehicle is at the repair facility, your roadside assistance insurance will not cover any repairs made to your vehicle, nor will it cover the cost of any parts. It just covers towing.


Does your car need to be pulled out of an area with a motor-powered cable or chain? Winching can help your car escape from mud, snow, water, or sand.

Battery Jumpstarts

Did your battery die? If so, then roadside assistance coverage will almost always cover the cost of a battery jumpstart. They can dispatch a technician to your address to help get your vehicle back on the road.

Fuel Delivery

Did you run out of gas on the road? Roadside assistance coverage will typically cover fuel deliveries. A technician will arrive at your vehicle with a container of fuel. You won’t need to pay for the technician’s labor or delivery services – but you’ll typically need to pay for the cost of the fuel itself, as that will fall outside of your roadside assistance policy.

Lock-out Services

Did you lock your keys in your vehicle? Were your keys lost or stolen? If so, then emergency roadside assistance will typically cover the cost of lock-out services. A locksmith can be dispatched to your address to unlock your vehicle. You’re only responsible for covering the cost of replacing your keys.

Flat Tire Change

If you have a flat tire and you need assistance changing the tire, then your insurance may cover the cost of sending a technician to your location. A roadside technician can put the spare tire on your vehicle at the scene and then get you on your way. However, you’ll be responsible for replacing the spare time with a new tire.

Additional Roadside Labor

Typically, about one hour of roadside labor is covered under your roadside assistance plan. If you need labor related to vehicle disablement in any way, then your insurance plan may cover it.

Obviously, policies vary widely among providers. Some emergency roadside assistance plans charge extra for lock-out services, for example. Others cover everything listed above with no additional fees.

How to Request Emergency Roadside Assistance

Having your car break down on the side of the road can be a stressful experience. Fortunately, most insurance companies make it easy to contact roadside assistance. You typically have two options:

  • Call your insurance company’s toll-free roadside assistance helpline
  • Make a request through your insurance company’s mobile app

Insurance companies always offer a toll-free number. However, a growing number offer mobile apps. Requesting roadside assistance with these mobile apps is as easy as requesting an Uber. You choose your location, then wait for a technician to arrive. Insurance companies have technicians standing by 24/7.

Conclusion: Is Roadside Assistance Worth It?

Are you the type of person who can change a spare time on the side of a crowded freeway without getting too stressed out? Do you know how to jumpstart a dead battery? Do you carry jumper cables or towing cables with you? Do you know friends with trucks who can get you out of a snowy ditch in a blizzard? Do you live in a wintry climate?

Depending on your answers to these questions, roadside assistance may or may not be worth it. In general, it provides valuable peace of mind for as little as $20 to $50 per year added to your annual car insurance bill.

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