Does Amica Have Good Roadside Assistance Coverage?
Last Updated on January 11, 2026
Amica offers optional roadside assistance through an auto policy add-on commonly called Towing and Labor. It’s designed to help with common breakdown problems like towing, lockouts, and jump-starts.
This guide explains what Amica roadside assistance covers, how the limits typically work, and how to decide whether it’s the right fit compared to other options like an auto club membership or manufacturer roadside coverage.
Our Rating of Amica Towing and Labor
3.6
out of 5
★★★★☆
Summary
Bottom line: Amica’s Towing and Labor add-on is a straightforward choice for occasional breakdowns, but your benefit is usually limited by a per-disablement dollar amount.
Amica roadside assistance is typically offered as a Towing and Labor endorsement on an auto policy and is meant for non-accident-related disablements like a dead battery or flat tire. Covered services commonly include towing, lockout assistance, jump-starts, fuel delivery, and flat tire help (usually requiring a usable spare). Instead of unlimited coverage, reimbursement is generally governed by the Towing and Labor limit shown on your declarations page, which Amica notes is often around $100 per disablement, depending on what you purchased.
Best for
- Drivers who want roadside assistance bundled with their auto policy
- People who need basic services like towing, lockouts, and jump-starts
- Policyholders who only expect occasional roadside use
Not ideal for
- Drivers who want a high towing-mileage benefit
- People who expect frequent service calls
- Those who need coverage that reliably follows them across multiple vehicles
- Our Rating of Amica Towing and Labor
- How Amica Roadside Assistance Works
- What Amica Roadside Assistance Covers
- Understanding Limits, Service Caps, and What’s Not Covered
- Does Amica Roadside Assistance Follow the Driver or the Car?
- How To Request Amica Roadside Assistance
- How Amica’s Auto Repair Assistance Fits In
- Is Amica Roadside Assistance Worth It?
- Final Word on Amica Roadside Assistance
- FAQs on Amica Roadside Assistance Coverage
How Amica Roadside Assistance Works
Amica roadside assistance is usually added as Towing and Labor on your auto policy. If your covered vehicle becomes disabled due to a non-accident issue (for example, a dead battery or flat tire), you can request help and Amica will coordinate service through its roadside network.
Important: you generally must have Towing and Labor on the policy before you need it. Most insurers won’t let you add roadside assistance after you’re already broken down.
What Amica Roadside Assistance Covers
Amica’s roadside assistance typically includes the following services:
- Towing (generally for non-accident-related disablements)
- Flat tire service (usually swapping to a spare, if available)
- Battery jump-starts
- Fuel delivery (typically enough to reach a nearby station; fuel itself may be extra)
- Lockout assistance
For a broader look at what roadside programs usually do (and what they don’t), see our overview of emergency roadside assistance coverage.
Understanding Limits, Service Caps, and What’s Not Covered
Roadside assistance through auto insurance isn’t unlimited. Your policy will list a maximum benefit per disablement (sometimes called “per occurrence” or “per service call”). Amica notes that this limit is typically $100 per disablement, but the exact amount depends on what you purchased and what appears on your declarations page.
| Category | What to Check on Your Policy | Why It Matters |
|---|---|---|
| Dollar Limit | The “Towing and Labor” limit shown on your declarations page | Roadside bills over the limit may be your responsibility |
| Type of Disablement | Whether the event is non-accident-related | Accident towing is often handled under collision/claims instead |
| Service Details | Lockout rules, fuel delivery terms, tire service expectations | Some services have restrictions (for example, spare required for tire changes) |
| Where Coverage Applies | Covered vehicle vs. non-owned vehicle provisions (if any) | Some policies may help when you’re driving a vehicle you don’t own only in limited situations |
Quick tip: Pull up your declarations page and look for the “Towing and Labor” limit. That number—not a mileage estimate—usually determines how much roadside help is paid per disablement.
Does Amica Roadside Assistance Follow the Driver or the Car?
In most cases, insurance-based roadside assistance is tied primarily to the covered vehicle(s) listed on the policy. Amica also notes that coverage may apply when you’re driving a vehicle you don’t own if no other coverage is available, but the details depend on your policy language and the circumstances.
If you’re unsure whether you’re covered as a driver, passenger, or when borrowing a car, it helps to understand how insurers define a policyholder and who is considered an insured under the policy.
How To Request Amica Roadside Assistance
You can request help 24/7 by calling Amica roadside assistance at 866-286-9968. Amica also allows requests through its digital claim tools (such as submitting a request online or via the mobile app, depending on availability).
When you request service, be ready to share your exact location (cross streets/mile markers), the vehicle details, and the issue you’re experiencing. If you arrange your own service and pay out of pocket, keep an itemized receipt and ask Amica whether reimbursement is available under your Towing and Labor limit.
How Amica’s Auto Repair Assistance Fits In
Roadside assistance gets you moving again, but it doesn’t fix the underlying mechanical issue. After a breakdown—or after an accident-related claim—Amica can help you locate a repair facility through its Auto Repair Assistance Program, which includes more than 1,700 certified repair shops nationwide. Amica also states it guarantees claim-related repairs performed by preferred shops for as long as you own the car (terms apply).
Is Amica Roadside Assistance Worth It?
Amica roadside assistance can be a good value if you want a simple, policy-based option for occasional breakdowns. It may be especially appealing if you:
- Drive an older vehicle or commute long distances
- Want a backup to manufacturer roadside coverage that may expire
- Prefer a single policy and billing relationship for insurance-related add-ons
On the other hand, an auto club membership can be a better fit if you want higher towing mileage benefits, more service calls, or coverage that follows you across multiple vehicles more consistently.
Quick tip: If you’re comparing options, ask: “How many service calls per year do I get, what’s the towing benefit, and is it a dollar limit or a mileage limit?” Those three details usually decide the winner.
Final Word on Amica Roadside Assistance
Amica’s roadside assistance—through Towing and Labor—covers core services like towing, lockouts, jump-starts, fuel delivery, and flat tire help. The big detail to confirm is your per-disablement limit (often listed as $100 on many policies) and any restrictions that apply based on the type of incident.
To confirm your current limit or add Towing and Labor to your policy, contact Amica through InsurancePanda’s Amica customer service contact guide.
