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Roadside assistance coverage explained: everything you need to know, the article 'roadside assistance coverage explained' provides a comprehensive guide to understanding roadside assistance coverage. it details its importance, what it typically includes, and how to choose the right plan. it's an essential read for any vehicle owner., free car insurance comparison.

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UPDATED: Dec 11, 2023

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Are you familiar with the concept of roadside assistance coverage? Whether you’re a new driver or an experienced one, understanding the ins and outs of this service is crucial. In this comprehensive guide, we will explore everything you need to know about roadside assistance coverage. From the basics to the extent of coverage, securing coverage for your vehicle, and answering burning questions, we’ve got you covered. Let’s dive in!

Table of Contents

Understanding The Basics Of Roadside Assistance

Before we delve into the inner workings of roadside assistance programs, let’s start with the basics. Roadside assistance is a service provided to drivers to help them when their vehicle breaks down or encounters problems while on the road. It offers peace of mind and a safety net in case of emergencies. Now, let’s explore the inner workings of these programs.

When it comes to roadside assistance, there are a few key players involved. First, there’s the driver, who finds themselves in a situation where their vehicle is no longer operational. Then, there’s the roadside assistance provider, a company that specializes in offering services to help drivers in need. Finally, there are the service providers, such as towing companies and mechanics, who work with the roadside assistance provider to deliver the necessary help.

Exploring The Inner Workings Of Roadside Assistance Programs

Roadside assistance programs are designed to provide a wide range of services to drivers in need. These services can vary depending on the provider and the coverage chosen. Some common services include:

• Towing: If your vehicle cannot be repaired on the spot, roadside assistance will arrange for it to be towed to a nearby mechanic. This can be a lifesaver when you find yourself stranded on the side of the road with no way to get your vehicle to a safe location.
• Battery Jump Start: In case your battery dies, roadside assistance can help jump-start your vehicle so you can continue your journey. This service is particularly useful when you’re in a hurry or don’t have access to jumper cables or another vehicle to assist you.
• Tire Replacement: If you experience a flat tire, roadside assistance can assist with changing the tire or providing a spare. They have the necessary tools and expertise to get you back on the road quickly and safely.
• Fuel Delivery: If you run out of fuel, roadside assistance can deliver fuel to your location to get you back on the road. This can save you from having to walk to the nearest gas station or rely on the kindness of strangers to help you out.
• Lockout Service: If you accidentally lock your keys in your vehicle, roadside assistance can help you regain access. They have the tools and techniques to unlock your car without causing any damage, allowing you to retrieve your keys and continue with your day.

These are just a few examples of the services that roadside assistance programs typically offer. The extent of coverage can vary, so it’s important to review the specifics of your policy to understand what services are included.

Aside from the services themselves, there are a few other important aspects to consider when it comes to roadside assistance. For example, response time is a crucial factor. When you’re stranded on the side of the road, you want help to arrive as quickly as possible. Roadside assistance providers understand this and strive to offer prompt service to their customers.

Another important aspect to consider is the availability of roadside assistance. Many providers offer 24/7 service, meaning that help is just a phone call away no matter the time of day or night. This can be particularly reassuring when you find yourself in an emergency situation in the middle of the night or during a holiday.

Furthermore, it’s worth noting that roadside assistance programs often come with additional benefits. Some providers offer travel discounts, reimbursement for certain expenses, or even concierge services to make your journey more comfortable and convenient. These added perks can make a roadside assistance program even more valuable.

Overall, roadside assistance programs are designed to provide drivers with the support they need when unexpected vehicle issues arise. Whether it’s a simple jump-start or a complex towing operation, roadside assistance is there to help you get back on the road safely and efficiently. So the next time you hit the road, rest easy knowing that help is just a phone call away.

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Unveiling The Extent Of Roadside Assistance Coverage

Now that we understand the basics of roadside assistance coverage , let’s dive deeper into the extent of this valuable service. Roadside assistance programs not only provide peace of mind, but they also offer a wide range of benefits that can help you in various situations. Let’s explore these common benefits in detail below.

Common Benefits Included In Roadside Assistance Plans

Roadside assistance plans go beyond just providing a lifeline in case of a breakdown. They often include a comprehensive set of benefits that cater to the diverse needs of drivers. Here are some of the common benefits you can expect:

• 24/7 Service: Most providers offer round-the-clock assistance, ensuring that help is just a phone call away no matter the time or day. Whether you’re stranded in the middle of the night or facing an emergency during a holiday, roadside assistance will be there to assist you.
• Nationwide Coverage: Whether you’re close to home or embarking on a cross-country road trip, roadside assistance typically provides coverage anywhere in the country. This means that you can enjoy peace of mind no matter where your travels take you.
• Emergency Assistance: Roadside assistance programs extend their support beyond mechanical breakdowns. In case of accidents, they can provide essential services such as ambulance referrals or coordination with local authorities. This ensures that you receive the necessary help during critical situations.
• Trip Interruption Coverage: Imagine being on a dream vacation and suddenly encountering a vehicle breakdown. Roadside assistance plans may include trip interruption coverage, which can reimburse you for expenses such as lodging, meals, or alternative transportation. This valuable benefit ensures that your travel plans are not completely derailed by unexpected car troubles.

It’s important to note that while these benefits are commonly included in roadside assistance plans, the specific coverage and conditions may vary depending on your provider and policy. To fully understand what is included in your plan, it’s always recommended to thoroughly review your policy documents.

Situations Not Covered By Roadside Assistance

While roadside assistance plans offer extensive support, there are certain situations that are typically not covered. It’s crucial to be aware of these exclusions to avoid any misunderstandings. Here are some common situations that may not be covered:

• Accidents: Roadside assistance is not a substitute for comprehensive auto insurance coverage. Therefore, it may not cover accidents or collision-related issues. In the event of an accident, it’s important to contact your insurance provider to ensure proper assistance.
• Regular Maintenance: Roadside assistance is primarily designed for emergencies, not routine maintenance or repairs. Services related to normal wear and tear, such as oil changes or tire rotations, may not be covered. It’s essential to have a separate maintenance plan to keep your vehicle in optimal condition.
• Non-Covered Vehicles: Some roadside assistance providers have specific restrictions on the types of vehicles that are eligible for their services. These restrictions may be based on factors such as the age of the vehicle, its model, or other specifications. Before purchasing a roadside assistance plan, make sure your vehicle meets the eligibility requirements.

Understanding the limitations and exclusions of your roadside assistance policy is crucial to avoid any surprises or disappointments when you need help the most. Take the time to carefully review the fine print and ask your provider any questions you may have to ensure you have a clear understanding of your coverage.

Securing Roadside Assistance Coverage For Your Vehicle

Now that we’ve covered the basics and the extent of roadside assistance coverage, you may be wondering how to secure this valuable service for your vehicle. Here are some options to consider:

Options For Obtaining Roadside Assistance

There are several ways to obtain roadside assistance coverage:

• Car Insurance Providers: Many car insurance companies offer roadside assistance as an add-on or as part of their comprehensive coverage.
• Roadside Assistance Memberships: Various organizations, such as automobile clubs or motorist associations, offer memberships that include roadside assistance.
• Vehicle Manufacturer Warranty: Some vehicle manufacturers include roadside assistance coverage as part of their warranty package.
• Credit Card Companies: Certain credit card companies provide roadside assistance benefits when you use their cards for vehicle-related expenses.

Each option has its own set of benefits and considerations. It’s essential to compare the terms and coverage of these options to choose the one that best suits your needs.

Roadside Assistance Through Vehicle Manufacturer Warranty

If your vehicle is still under warranty, it’s worth checking if roadside assistance coverage is included. Many vehicle manufacturers offer this service as part of their warranty package. Contact your manufacturer or refer to your vehicle documentation to confirm if you have this coverage.

Having roadside assistance coverage through your vehicle manufacturer warranty can provide you with peace of mind. In case of a breakdown or emergency, you can rely on their dedicated assistance team to help you navigate the situation. Whether it’s a flat tire, a dead battery, or running out of fuel, their trained professionals will be there to lend a hand.

Additionally, some vehicle manufacturers go above and beyond by offering additional perks with their roadside assistance coverage. These perks may include services like lockout assistance, trip interruption coverage, and even concierge services to make your experience as smooth as possible.

Roadside Assistance Provided By Credit Card Companies

If you frequently use a credit card for vehicle-related expenses, it may include roadside assistance coverage. Review your credit card’s terms and conditions or contact your provider to determine if this benefit is available to you.

Having roadside assistance coverage through your credit card company can be a convenient and cost-effective option. In addition to the financial benefits of using your credit card for vehicle-related expenses, you can also rely on their assistance in case of an emergency. Whether you need a jump-start, a tow, or help changing a flat tire, their roadside assistance team will be just a phone call away.

It’s important to note that the level of coverage provided by credit card companies may vary. Some cards may offer more comprehensive services, while others may have limitations on the number of service calls or the distance they will tow your vehicle. Be sure to familiarize yourself with the specific terms and conditions of your credit card’s roadside assistance program.

Roadside Assistance Offered By Member Organizations

Membership organizations, such as automobile clubs, often provide roadside assistance as part of their benefits package. Evaluate the benefits and costs of joining these organizations to see if their roadside assistance offerings align with your needs.

Being a member of an automobile club or a similar organization can offer you more than just roadside assistance coverage. These organizations often provide a wide range of additional benefits, such as discounts on travel services, access to exclusive events, and even legal assistance for vehicle-related matters.

When it comes to roadside assistance, these member organizations typically have a network of service providers across the country. So no matter where you are, you can count on their assistance if you find yourself stranded on the side of the road. They can help with anything from a simple tire change to arranging for a tow truck to transport your vehicle to a nearby repair shop.

Furthermore, some member organizations offer specialized services tailored to specific needs. For example, if you frequently travel with pets, you may find an organization that provides pet-friendly roadside assistance, ensuring that your furry companions are taken care of in case of an emergency.

Answering Your Burning Questions About Roadside Assistance

Now that we’ve covered the essentials of roadside assistance coverage, it’s time to answer some common questions that drivers may have. Let’s address these burning questions below.

Roadside Assistance 101: Everything You Need To Know

Still have questions about roadside assistance? In this section, we’ll provide an overview of the key points covered so far and answer any additional questions you may have about this valuable service.

Does Your Auto Insurance Include Roadside Assistance?

If you have auto insurance, it’s worth reviewing your policy to determine if it includes roadside assistance. Many insurance companies offer this coverage as an add-on or as part of their comprehensive packages. Compare the terms and coverage with other options to ensure you’re getting the best value.

What Situations Does Roadside Assistance Cover?

Roadside assistance coverage can help with a variety of situations, including:

• Vehicle breakdowns due to mechanical issues.
• Tire-related problems, such as flat tires or blowouts.
• Locked-out or lost keys.
• Running out of fuel.
• Dead batteries.

It’s essential to review your policy to understand the specific situations covered by your roadside assistance plan.

How To Access Roadside Assistance Services

When you find yourself in need of roadside assistance, it’s important to know how to access these services. Most roadside assistance providers offer a dedicated phone line or mobile app for assistance requests. Keep these contact details easily accessible in case of emergencies.

Is Roadside Assistance Available At Your Home?

While roadside assistance is primarily designed for incidents that occur while driving, some providers may offer limited coverage for incidents that happen at your home. Check your policy or contact your provider to see if this service is available to you.

The Cost Of Roadside Assistance Services

The cost of roadside assistance coverage can vary depending on the provider and the level of coverage you choose. It’s important to review different options and compare prices to ensure you’re getting the best deal. Consider using an online comparison tool to gather quotes from multiple providers, helping you find the most suitable coverage at the best rates.

With this comprehensive guide , you now have a solid understanding of roadside assistance coverage. Remember to review your options, compare coverage, and choose the plan that aligns with your needs and budget. Don’t forget to use online tools and resources to make the process of securing coverage as convenient and cost-effective as possible. Stay safe on the road!

Frequently Asked Questions

What is roadside assistance coverage.

Roadside assistance coverage is a type of insurance that provides assistance and support to drivers when they experience a breakdown or other vehicle-related issues while on the road.

What does roadside assistance coverage typically include?

Roadside assistance coverage typically includes services such as towing, jump-starting a dead battery, changing a flat tire, delivering fuel, unlocking a vehicle, and providing minor mechanical repairs.

How does roadside assistance coverage work?

When a driver encounters a roadside emergency, they can contact their insurance provider’s designated roadside assistance hotline. The insurance company will then dispatch a service provider to the location to assist the driver with their issue.

Is roadside assistance coverage available 24/7?

Yes, most insurance companies offer roadside assistance coverage that is available 24 hours a day, 7 days a week, ensuring drivers can receive help whenever they need it.

Can I use roadside assistance coverage for any vehicle?

Roadside assistance coverage is typically tied to a specific vehicle, meaning it applies to the vehicle listed on the insurance policy. However, some insurance providers offer options to extend coverage to other vehicles, such as rental cars or vehicles borrowed from friends or family.

Does roadside assistance coverage have any limitations?

While roadside assistance coverage is valuable, it may have certain limitations depending on the insurance policy. Common limitations include a maximum number of service calls per year, distance restrictions for towing, and exclusions for certain types of vehicles or incidents.

Is roadside assistance coverage worth it?

Whether roadside assistance coverage is worth it depends on individual circumstances and preferences. If you frequently drive long distances, have an older vehicle, or want peace of mind knowing help is just a phone call away, roadside assistance coverage can be highly beneficial.

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What Is Roadside Assistance Insurance?

Roadside assistance can help when your car is stranded on the side of the road. The service may include towing in the event of engine failure and help with other emergencies like jump-starting a dead battery, changing a flat tire, delivering fuel, and providing lockout assistance.

While roadside assistance insurance is most often used for cars and trucks, coverage may also be available for motorcycles, RVs, and even bicycles, depending on the plan and provider.

Roadside assistance insurance can provide swift and professional help in a number of circumstances.

Table of Contents

How Does Roadside Assistance Insurance Work?

What does roadside assistance cover, who should get roadside assistance insurance, key takeaways.

• Roadside assistance coverage can provide services ranging from battery jump-starts to help with lockouts, fuel delivery, towing, and changing a flat tire.
• Your plan may pay for a portion of the service cost or the entire service.
• Roadside assistance is available through many car insurance companies.

Roadside assistance insurance is designed to help when drivers encounter common vehicle issues, acting as a safety net during their travels. This insurance typically covers a variety of scenarios where assistance might be needed, such as dealing with a flat tire, jump-starting a dead battery, towing services if the vehicle is inoperable, fuel delivery if you run out of gas, and assistance if you've locked your keys inside the vehicle. Situations like these can be difficult to deal with, especially when stranded in unfamiliar or isolated locations.

What makes roadside assistance insurance valuable is ease of access and prompt response. With a vehicle-related problem, covered drivers can call their insurance provider to request assistance. More insurers are using technology to enhance access to roadside assistance, allowing drivers to contact help through mobile apps. These may even provide conveniences such as real-time tracking of the service provider's arrival and easy access to service details.

Adding roadside assistance coverage to your car insurance policy is about being prepared for potential problems and providing peace of mind.

Roadside assistance can cover many situations that might otherwise leave you stranded. The services offered can vary by insurance provider and roadside assistance plan, but they often include:

Fuel delivery

Lockout assistance, help with a flat tire, roadside winching.

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There are nearly 70 million car breakdowns annually in the United States. Roadside assistance coverage can provide peace of mind, especially if you aren’t good with changing a flat tire, or if your vehicle is older. If you are a member of AAA or a similar service, you may not need roadside assistance coverage through your insurer, but you can explore the types of help available and compare costs.

Learn more about different types of car insurance coverage, estimating coverage costs, and how much insurance you need .

How Can I Get Roadside Assistance Insurance?

Many auto insurance companies offer roadside assistance as an optional add-on to their standard policies. The cost of roadside assistance coverage varies by insurer. You can contact your insurance company to learn more about this coverage and ask about adding it to your existing plan.

Some insurers include roadside assistance as a standard benefit with all their car insurance policies. You should review your policy details or consult your insurance agent or provider to learn whether roadside assistance is included or can be added.

Trip interruption coverage is an additional benefit offered in some roadside assistance plans, designed to support drivers who experience a vehicle breakdown far from home, typically more than 100 miles away. This coverage helps to alleviate financial burdens by reimbursing policyholders for some expenses incurred due to the trip interruption, which may include lodging, meals, and alternate transportation.

For more information about auto insurance, see the following guides:

• Best Car Insurance Companies
• Cheapest Car Insurance Companies
• Compare Car Insurance Rates & Quotes
• Insurance Glossary

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Trip Interruption Insurance Explained

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Table of Contents

What is trip interruption insurance?

What does trip interruption insurance cover, what is not covered by trip interruption insurance, how much does trip interruption insurance cost, what's the difference between trip cancellation and trip interruption insurance, trip delay vs. trip interruption coverage, how do i get trip interruption insurance, which insurance coverage is best for me.

Trip insurance is an important consideration if you plan on traveling, and understanding the difference between plan benefits is crucial. Some benefits protect you before your trip begins, such as trip cancellation, while others offer coverage during your travels like trip interruption.

Trip interruption insurance will reimburse the unused portion of your trip if it has already begun and an unexpected incident forces you to return home early. This post-departure benefit is particularly useful when booking expensive trips. Here’s what you need to know about trip interruption insurance and how to get it.

If you miss a portion of your trip due to a covered reason, you can use trip interruption benefits to get reimbursed for any unused, prepaid, nonrefundable trip expenses, such as hotel nights or excursion bookings. You may also be reimbursed for additional charges such as booking a new flight home, additional hotel nights and airport taxi fare. Importantly, trip interruption also applies if your trip is cut short due to a covered COVID-related medical reason .

Because trip interruption insurance kicks in after your trip has begun, it's considered a post-departure benefit. A list of valid reasons for coverage are stated in each policy, but they are usually extraordinary and unforeseen circumstances. For example: illness, injury, the death of the traveler or traveling companion, severe weather, terrorist action, job loss, etc.

Many comprehensive travel insurance plans and some premium travel credit cards offer trip interruption insurance. Depending on the policy, the coverage can range from 100% to 200% of the total trip cost, be capped at a predetermined dollar amount or purchased as an optional add-on.

» Learn more: How to find the best travel insurance

Imagine you go on a $5,000, two-week hiking trip to Bariloche, Argentina, and on the third day of the trip, you fall and hurt your ankle. You go to a local hospital and the doctor tells you that it's sprained and advises you to stay off your feet and not do any hiking. After a few days of taking it easy, the pain becomes worse and you decide to cut your trip short and head home for X-rays and an appointment with a specialist.

If you have trip interruption insurance, you will be reimbursed for the unused, prepaid, nonrefundable hotel stay, your original return flight, the cost of new airplane tickets to return home early and additional transportation expenses such as a taxi to the airport and from your return airport home. The reason for the interruption is considered covered since you’ve sustained a serious injury that prevents your continued participation in the trip. You will need to notify the insurer of the incident within a specified time frame (which will be stated in the policy) and follow the protocol to ensure you receive reimbursement.

Using the Argentina trip example above, if your policy reimburses up to 200% of the trip cost, the benefit payable to you can be up to $10,000. The percentage can be above 100% to account for extra costs that a policyholder may incur to return home. Generally, the reimbursement of your return transportation cannot exceed the cost of economy plane tickets (or the same airfare class as the original ticket), and will be reduced by the amount of any refunds already received from the airline and must usually be the most direct route.

If you don’t have trip interruption insurance, you’ll be at the mercy of the hotel when trying to negotiate a refund for the unused portion of your hotel stay. You would also be liable for the additional costs to get home (a new flight, change fees, and transportation to the airport and from the airport to your home). So, if a last-minute flight home costs $1,000, you’d have to absorb that entire amount.

If you plan on traveling during the ongoing pandemic, ensure that you find a policy that offers COVID-19 coverage .

» Learn more: What kinds of trips should you protect with travel insurance?

Not every reason for interrupting your trip qualifies as a covered reason. Losses sustained due to intentional acts (such as self-harm), pregnancy or childbirth, mountain climbing, war, illegal acts, drug use, and trips taken against the advice of a physician will not be covered. Other exclusions may apply; check your policy for specifics.

Some policies also exclude pre-existing conditions that have occurred within a specified time frame prior to departure. The list of exclusions can vary based on the insurer and the state you live in, so you’ll need to check your policy's fine print to ensure you’re aware of what is and isn’t covered.

» Learn more: The majority of Americans plan to travel in 2022

Trip interruption coverage is usually included within comprehensive travel insurance plans.

Using the same $5,000, two-week trip to Argentina, a search of policies on travel insurance broker SquareMouth (a NerdWallet partner) ranged from $115 to $361, representing 2.3% to 7.2% of the total trip cost. The coverage ranged from 100% to 200% of the trip cost, and some of the lower-priced plans offered coverage in excess of 100%. The more expensive plans usually offered higher limits on medical expenses and evacuation.

If you have a premium travel credit card that offers trip interruption insurance, this coverage is provided free of charge as long as the trip is purchased with the applicable credit card.

Trip cancellation coverage applies in situations where you cancel your trip before it starts. If you haven't left yet, and you have to scrap your plans for a covered reason (such as an injury or illness), you can get some or all of your trip expenses reimbursed through trip cancellation coverage.

Trip interruption insurance, on the other hand, is about when something happens during your trip. Let's say you're on a trip and you suddenly have to get home to deal with a death or injury in the family. Trip interruption insurance will cover this situation, recompensing some or all of the remaining expenses in the trip.

Trip delay insurance covers situations where your trip is delayed, such as when an airline bumps your flight to a later date (which may entitle you to additional flight delay compensation ). The expenses accrued from a delay, such as rebooking fees for hotel rooms, will be covered by trip delay insurance.

Trip interruption insurance, meanwhile, only applies if something happens that makes you cancel the remainder of your plans altogether — rather than just having them delayed.

In general, trip delay insurance will apply when your transportation goes awry. Trip interruption coverage applies when something else (like a medical emergency ) affects your trip.

The two most common ways to get trip interruption coverage are by buying a travel insurance policy or applying for a premium travel credit card that has trip insurance benefits.

The Business Platinum Card® from American Express and many other American Express cards provide up to $10,000 per trip ($20,000 per year) in trip interruption benefits. Terms apply. The Chase Sapphire Reserve® will also reimburse you or your immediate family members up to $10,000 in losses per trip interruption.

These premium cards also include other insurance benefits like trip cancellation, trip delay , emergency assistance and more. If you frequently purchase trip protection benefits, applying for one of the cards that offer travel insurance could make a lot of sense. All these cards offer a multitude of useful travel benefits and various statement credits that will usually offset at least part of the annual fee.

If you’re going on a trip that is more expensive than the limit provided by the credit card, purchasing a separate travel insurance policy is a good bet. Also check that your credit card will cover COVID-related claims before you decide to forego a separate policy.

If you’re going on an expensive trip, getting a travel insurance plan that includes trip interruption coverage makes a lot of sense. If the trip is relatively inexpensive or you already have coverage through your credit card, you may not need to purchase a trip insurance coverage.

However, if you’re looking for additional coverage like travel medical insurance , Cancel For Any Reason (CFAR) and/or your credit card doesn’t have sufficient limits, consider a comprehensive travel insurance policy from providers such as AAA , Allianz , or AIG .

In some cases, purchasing travel insurance may not be necessary . So familiarize yourself with all available options before you decide whether or not you should purchase a policy.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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What Is Roadside Assistance and How Does It Work?

Drivers have many options for buying a roadside assistance plan that can ensure they get help if their car breaks down while they’re driving..

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Jerry’s personal finance interest stemmed from his journey toward freedom from debt. He’s since covered insurance, debt management, and personal loans for major publications.

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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Updated April 11, 2024

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• What's covered
• Do you need it?
• Where to buy

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Whether your car stalls in the middle of a busy highway, you lock your keys inside it, or you get a flat tire, roadside assistance coverage can help you get back on the road safely. This coverage connects you with a professional for service, usually at a discounted price.

Many insurers allow you to purchase roadside assistance as an add-on to your existing car insurance policy , but you can purchase it in various other ways. [1]

Here’s what you should know about roadside assistance, including how it works, what it covers, and where to purchase it.

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What is roadside assistance?

Roadside assistance is a service that dispatches a professional to help you with vehicle issues like flat tires, dead batteries, and lost keys, regardless of whether they happen on the side of the road, at your place of employment, or at your home.

For this coverage, you generally have to pay a yearly or per-service fee to a roadside assistance service provider in exchange for a discounted rate on services like towing or lockout assistance. Roadside assistance is crucial because it can help you return to the road safely and save you money.

What does roadside assistance cover?

Roadside assistance benefits vary by company, but it generally includes access to these services at a discounted or flat per-service rate:

Lockout service

Tire change

Jump-starts

Transportation assistance

Gas delivery

Do you need roadside assistance coverage?

Without roadside assistance coverage, you may want to try to fix your car troubles, like a flat tire or needed jump-start, on your own to save money. But this option only works for people with the knowledge required to complete various vehicle repairs. Plus, if you call a professional for assistance, you may end up paying more without roadside assistance coverage.

Whether you need roadside assistance depends on your unique situation. If you drive infrequently, for example, purchasing a roadside assistance plan might not be worth it. Frequent drivers who regularly travel long distances will likely benefit from securing roadside assistance coverage.

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Where to get roadside assistance

You can purchase roadside assistance coverage from several places. Here’s where to look for coverage.

Insurance companies

Many insurance providers allow you to add roadside assistance coverage as an add-on or rider to your existing policy. Cost and coverage options vary by insurer.

Here are some of the best insurance companies offering roadside assistance:

GEICO : The company offers emergency roadside assistance that comes with access to towing, jump-starts, lockout services up to $100, and other benefits.

Nationwide : The roadside assistance coverage from Nationwide provides access to services such as tire changes, jump-starts, and lockout services up to $100.

State Farm : Roadside assistance coverage from State Farm includes access to many services, including towing, gas delivery, and lockout.

Car manufacturers

Some car manufacturers offer complimentary roadside assistance when you finance or lease a new vehicle.

Some of the best car manufacturers offering roadside assistance include:

Chrysler: When you lease or finance a new Chrysler vehicle, you get complimentary roadside coverage for up to five years or 60,000 miles for gas engines (100,000 for diesel engines). This coverage includes access to towing, jump-starts, and tire changes.

Dodge: New financed or leased Dodge vehicles also come with five years of complimentary roadside coverage.

Hyundai: New Hyundai vehicles come with five years of access to roadside assistance coverage. Services include jump-starts, gas delivery, lockout aid, towing, and trip interruption.

Credit card companies

Many credit card companies offer roadside assistance as a benefit. But before you apply for a card that provides roadside assistance, consider potential drawbacks. For example, some credit cards come with steep annual fees and high interest rates.

Here’s a look at some of the best credit card companies offering roadside assistance:

Bank of America: The Premium Rewards® credit card comes with access to Bank of America’s Roadside Dispatch program — a pay-per-use program that charges you $59 per service call and includes services such as towing, fuel delivery, and jump-starts.

Capital One: A few Capital One cards — Venture®, Savor®, and Quicksilver® — give cardholders access to roadside assistance benefits, such as gas delivery, towing, and tire changes, in exchange for a flat fee.

Chase: The Chase Sapphire Reserve® and Freedom Unlimited® credit cards allow you to access various services for a flat rate, including tire changes, winching, jump-starts, and fuel delivery.

If a credit card’s fees exceed the cost of a separate roadside assistance plan, opening the card just to get the “free” plan might not be a good financial move.

An auto club is an organization you can join that offers roadside assistance coverage and sometimes other benefits, such as discounts for restaurants, movie theaters, and travel. [2] Auto club membership costs vary but often range from $50 to $360 annually, depending on your plan.

Here are some of the top auto clubs offering roadside assistance:

American Automobile Association: The AAA membership includes four service calls per year for various services, including towing, battery jump, and gas delivery. [3] Each additional service call after the allotted four costs $90.

Better World Club: Roadside services include trip interruption, lockout, and towing. Better World Club includes four service calls per year.

Good Sam: Membership comes with discounted access to services, including battery jumps, tire changes, and fuel delivery.

What is Mechanical Breakdown Insurance?

Roadside assistance faqs.

Find answers below to some commonly asked questions about roadside assistance.

What happens when you call roadside assistance?

When you call roadside assistance, a customer representative usually asks you to provide your vehicle information, location, and a description of your car’s problem. Afterward, the roadside assistance representative will dispatch a professional to assist you.

Does insurance typically cover roadside assistance?

Insurers generally allow you to purchase roadside assistance coverage as an optional add-on or rider. Most insurers offer this optional coverage, but you can also purchase roadside assistance through car manufacturers, credit card companies, and auto clubs.

What is the average cost of roadside assistance?

The price of a roadside assistance plan generally ranges from $15 to $360 per year. Your exact costs will depend on many factors, such as your plan provider and the level of coverage you need. For instance, a roadside assistance plan purchased from an auto insurance provider often costs less than one purchased from an auto club.

Where can you get roadside assistance coverage?

You can purchase roadside assistance from several places, including car manufacturers, credit card companies, auto clubs, and auto insurers. To find the option that best fits your needs and budget, you should compare costs, coverage limits, services provided, and the number of service calls allowed per year across as many companies as possible.

Does using roadside assistance count as a filed claim?

Using roadside assistance could count as a filed claim if you purchased coverage through an insurer. If you use roadside assistance occasionally, it’s not likely to affect your insurance rates. But if you use it too often, your insurer could raise your premiums.

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What Is Roadside Assistance and What Does It Cover?

Find out what roadside assistance covers to decide if it’s worth it for you

Discover if you are overpaying for car insurance below

Daniel is a MarketWatch Guides team writer and has written for numerous automotive news sites and marketing firms across the U.S., U.K., and Australia, specializing in auto finance and car care topics. Daniel is a MarketWatch Guides team authority on auto insurance, loans, warranty options, auto services and more.

Rashawn Mitchner is a MarketWatch Guides team editor with over 10 years of experience covering personal finance and insurance topics.

Getting stuck on the side of the road isn’t fun, and it can be especially hard to find the right company to call if you’re in an unfamiliar location. A roadside assistance plan gives you one number to call wherever you need help and covers some or all of the service cost to get your car moving again. Roadside assistance companies work with networks of mechanics and tow trucks to provide help 24/7. 

We at the MarketWatch Guides team have compared the best roadside assistance plans and will walk through what most plans cover in this article.

Key Takeaways :

• Roadside assistance covers battery jump-starts, lockout assistance, fuel delivery, towing and spare tire installation.
• Plans may pay a portion of the service cost or cover the entire service.
• You can get roadside coverage through an auto club, auto insurance company, car manufacturer and other types of companies.

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Why You Can Trust The MarketWatch Guides Team

The MarketWatch Guides Team is committed to providing reliable information to help you make the best decision possible about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Learn more about our methodology and editorial guidelines .

What Is Roadside Assistance?

Roadside assistance exists to help you out if your car gets stuck on the side of the road. You can use the coverage for a tow if your engine breaks down. Emergency roadside service also covers services like battery jump-starts, flat tire changes, fuel delivery, lockout assistance and more. 

You can get stand-alone roadside assistance memberships from companies like AAA. Many people also get roadside assistance coverage from their car insurance company. Your manufacturer or extended car warranty may come with roadside coverage as well. 

Roadside assistance most often applies to cars and trucks, but coverage can include RVs, motorcycles and bicycles depending on the provider.

What Does Roadside Assistance Cover?

Let’s take a closer look at what roadside assistance typically covers.

Getting stuck on the side of the road is a hassle, and figuring out how to secure a tow truck can be a challenge in an unfamiliar area. All roadside assistance plans offer towing services for this situation — just call the number for your company and they’ll send a tow to your location. Some plans cover towing only to the nearest mechanic while others will tow your vehicle to a mechanic of your choice.

Battery Jump-Start

Perhaps all you need is a jump but there aren’t any neighborly travelers to help you out. Roadside assistance services can help by jump-starting your dead battery to get you back on the road.

Fuel Delivery

Running on fumes only works for so long. It’s disheartening to feel the engine sputter as you finally run out of gas. But with a roadside assistance plan, you can get fuel delivered to your location. Some plans provide a certain amount of fuel for free while others charge you for the fuel.

If your car breaks down because you are low on other fluids like coolant or brake fluid, the roadside technician may be able to supply those as well.

Lockout Service

It’s a hassle to lock your keys in your car. But instead of looking up mobile locksmiths in your area, you can call your roadside assistance number and get one dispatched to your location.

Spare Tire Installation

Getting a flat tire can grind your road trip to a halt. Roadside assistance services cover a spare tire change to get you moving again. Note that this requires you to have your own spare tire — the roadside company won’t provide a spare for you to use.

Other Roadside Services

Below are a few more services roadside assistance plans may cover.

Mechanical labor

Many roadside assistance plans cover one or two hours of mechanical labor at the scene if you need a quick fix. So, you may be able to get some services outside of the ones outlined above depending on what the roadside technician can do.

Some roadside assistance plans cover winching services. This is useful if you run off the road and get stuck in the mud or brush. In this case, the roadside technician will hook up a cable to your vehicle and use a winch to pull it back to the road. Your car would have to be within 100 feet of the main road, though, or the winch might not reach it.

Trip Interruption

Your roadside coverage may also include trip interruption benefits. This covers the cost of food and lodging up to a limit if your car breaks down far from home. The coverage might require you to be 50, 100 or 200 miles from home to get reimbursed for expenses.

Battery Replacement

Some AAA trucks come with new batteries you can buy if yours is dead. This helps you avoid a tow to a repair shop if a simple jump-start won’t get your car going again. AAA includes the installation charge in your membership fee but you’ll pay for the battery itself.

How Much Does Roadside Assistance Cost?

How much roadside assistance costs depends largely on how you buy a plan. Insurance companies offer roadside assistance as an insurance add-on for as low as $10 to $20 per year, while auto clubs like AAA can cost about $70 to $150 per year. Roadside plans from insurance companies may have lower coverage limits than plans from auto clubs.

Either type of roadside plan can usually save you money if your vehicle breaks down. Without roadside assistance, you might pay $50 to $100 for a jump-start or spare tire installation out of pocket. And getting a tow could cost $100 to $200 depending on how far you are from a mechanic.

Roadside Assistance Coverage Limits

All roadside assistance plans come with coverage limits. A plan may have a limit per occurrence like $100. In this case, it would pay up to $100 for locksmith services, spare tire installation or other on-site labor at any one time. 

Other plans may cover whatever the cost is for a particular service but have a maximum per year. Some plans have both a maximum per occurrence and a maximum per year. Finally, roadside plans may cover a limited number of occurrences per year, as well. Read the terms and conditions to know exactly what the service provider covers.

Where To Get Roadside Assistance Coverage

There are a few types of providers that offer emergency roadside assistance coverage.

• Auto clubs: AAA is the most popular auto club but other options include Better World Club and Good Sam. These companies are slightly more expensive for roadside assistance but usually offer the best benefits and towing mileage allowances.
• Insurance providers: Many insurance companies allow you to add roadside assistance to your car insurance policy, and some plans start under $20 per year. However, car insurance roadside plans typically come with more limitations like the number of occurrences per year or maximum miles for a tow.
• Auto manufacturers: Manufacturers like Toyota and Honda offer free roadside assistance on new cars for a period of time.
• Extended warranties: Manufacturer and third-party extended car warranties often come with roadside assistance as an added benefit.
• Other companies: You can find roadside assistance from some other non-auto companies. These include AT&T, Verizon, AARP, Chase Bank and Visa. Roadside assistance programs from credit card companies may simply provide a service number and require you to pay for each use.
• Rental car companies: Many rental companies like Hertz and Enterprise offer roadside assistance as an add-on during your rental.

Depending on the type of company that provides the coverage, you might have to pay for a service up front and submit receipts for reimbursement. This can be the case if you have roadside assistance through an extended car warranty or even through your auto insurance policy. This is usually not the case if you have roadside assistance from a specialty company like AAA.

The Bottom Line: What Is Roadside Assistance?

Roadside assistance gives you one number to call when your car breaks down. It covers some or all of the cost of towing, battery jump-starts, lockout assistance, fuel delivery and spare tire installation. You can look into roadside assistance companies like AAA or check with your insurance provider to see if it offers roadside assistance coverage.

Top Roadside Assistance Recommendations

Check out the following providers if you’re looking to get roadside assistance coverage.

• Geico: Geico offers emergency roadside assistance for as little as $14 per year. The company covers towing up to 20 miles, winching and more without charging you out of pocket.
• AAA: AAA is the most well-known roadside assistance provider in the country, but it’s actually a federation made up of many regional companies. AAA roadside assistance is comprehensive with multiple plans to choose from. Compare AAA vs State Farm , another top roadside provider in our review.
• Progressive: Progressive offers roadside assistance for cars, motorcycles, boats, RVs and heavy trucks. If you lose charge in an electric vehicle, Progressive can tow you to the nearest charging station.

FAQ: What Does Roadside Assistance Cover?

What is roadside assistance.

Roadside assistance is a membership plan that provides services to get you moving again when your car breaks down. It typically requires an annual fee, though some are pay-per-use memberships and others come free with manufacturer or extended warranties.

What does “$100 per disablement” mean?

A roadside assistance plan that specifies “$100 per disablement” will pay up to $100 when you need services like lockout assistance or spare tire installation. If the service costs more than $100, you’ll pay the difference.

What does breakdown coverage include?

Breakdown coverage usually includes towing, lockout assistance, battery jump-starts, spare tire installation and fuel delivery. It can also include winching, trip interruption coverage or battery replacement depending on the company. Different plans have varying limits on free roadside services too.

Is it worth getting breakdown coverage?

It can be a good idea to get breakdown coverage if you want peace of mind for roadside issues. Cars are more likely to have mechanical issues as they age, but you can get a flat tire or lock yourself out of the car at any time.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost : Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage : Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience : Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability : Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience : This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.

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Article QuickTakes:

• Learn about roadside assistance basics
• What's covered in most roadside assistance plans?
• Do automakers offer roadside assistance?

Modern automobiles can be very reliable, but there are road hazards even the best-built car or truck can't avoid. Potholes, debris in the road, bad weather, and dead batteries are all situations that could render your vehicle unable to drive, potentially stranding you until you can arrange for rescue in the form of a tow truck, tire replacement, or vehicle repair.

Roadside assistance programs help keep drivers safe and sound by tagging professionals to deal with unexpected stops during a trip. Many different 24/7 roadside assistance options exist. While most provide similar protections, there are differences in cost, membership details, and operation.

Here's a look at what roadside assistance offers, how much you can expect to pay, and what types of coverage many major operators have.

What is roadside assistance?

Roadside assistance is the catchall term for services provided to motorists in a tricky spot while traveling in their vehicle. The concept dates back more than 100 years: The American Automobile Association (AAA) began providing formal aid to its members in 1915. At that time, motor vehicles were still relatively new, and it was possible breakdowns would occur in areas that didn't offer the resources required to repair these early contraptions. The first roadside assistance program began operating in St. Louis, Missouri. Its personnel usually made repairs on the spot, as tow trucks had yet to become common in the U.S.

What do popular roadside assistance programs cover?

Today, the roadside assistance umbrella covers a lot of ground. Most programs aimed at helping drivers include many of the same services.

AAA continues to offer a model for roadside services that is mirrored by other providers. The century-old institution gives its members access to such things as emergency auto towing, battery jump-starting, fuel delivery, changing of flat tires, mobile locksmith services, and winching. Reimbursement for certain costs associated with trip interruption (such as the need to hire a rental car) can also be part of a roadside assistance service package, though the reimbursement amounts vary depending on plan tiers.

Through partnerships with local garages, towing agencies, and providers, organizations can provide nationwide coverage, serving as the primary point of contact for members unfamiliar with how to attain the repairs and help they need while traveling. By guaranteeing a certain number of service calls for a single yearly charge, roadside assistance programs can also help reduce the costs associated with jobs such as 24-hour towing and tire changes.

What extra services can be part of roadside assistance plans?

Roadside assistance programs often provide additional services that owners can add to the standard array of what is immediately helpful when dealing with a breakdown or a flat tire.

Some programs allow expansion to include additional drivers or family members living at the same address on the policy, while others can add motorcycle and recreational vehicle coverage. Each of these protections typically comes with an additional fee. There are roadside assistance organizations offering pay-as-you-go services that don't tie you to a yearly membership but instead offer a cost structure for towing, tire changes, and related assistance.

Other companies will provide discounted pricing through partnerships with rental-car companies, hotels, notaries, credit card companies, travel agencies, and vehicle-history providers. Sometimes roadside assistance organizations also operate service centers that can assist with vehicle inspection and registration.

Do car companies offer roadside assistance?

Not all 24/7 roadside assistance is provided by independent organizations. Many car companies offer similar support services with the purchase of a brand-new or certified pre-owned vehicle. These services generally come at no additional cost to automobile buyers but only last for limited years or miles, usually in parallel to the warranty protection associated with that particular model.

Do insurance companies offer roadside assistance?

A range of insurance companies offer roadside assistance, as well. Still, unlike programs provided by automobile manufacturers that require a vehicle purchase, you don't usually need to hold a policy with that particular insurer to take advantage of their services. For example, Allstate offers membership in its Allstate Motor Club to anyone willing to pay the yearly fee, while other insurance providers, such as State Farm roadside assistance, may bundle it in as part of a specific policy.

Do credit card companies offer roadside assistance?

There are issuing banks and credit providers that provide discounted access to emergency roadside services for their cardholders.

For instance, Chase Bank offers roadside assistance for holders of certain credit cards — services include towing, jump-starting, and fuel delivery, among others. U.S. Bank, too, has a credit card that includes roadside assistance benefits such as towing and fuel delivery. Capital One's roadside assistance network offers similar benefits on select Visa and Mastercard credit cards.

Is paying for a roadside assistance membership worth it?

If you are already covered for roadside assistance by your vehicle's warranty, you may not need to add extra coverage in the form of a third-party roadside assistance program. If you aren't currently covered, however, membership will likely feel justified the first time you need help on the side of the road.

The average cost of adding roadside assistance to an insurance policy hovers between $10 and $23, while annual membership in AAA can range from about $40 to about $70, depending on location. The average cost of a single tow is more than $100, which illustrates the value of belonging to a roadside assistance program.

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When a good trip goes bad

If a car accident interrupts your road trip, AAA will reimburse you for expenses such as car rental fees, lodging, and meals. Here's how it works:

You're on your way to visit an old friend from college (or taking the kids to visit your parents, heading to a spa with the girls, taking a fishingm trip — whatever!) and partway there...kaboom. Out of nowhere a vehicle clips your bumper. No one is hurt. But your car won't move. It needs a few parts and you're going to have to wait—overnight—far from home and far from your destination.

Even though you may lose a day of vacation, at least you'll have help with the extra expenses. As a AAA Member, you may request reimbursement for reasonable, unanticipated costs for your hotel, meals, and substitute transportation, up to $500 for Classic Members, up to $1,000 for Plus Members and Premier Members are reimbursed up to $1,500 .

If you're on a planned leisure trip that included at least one overnight stay and you're involved in a car crash, call us. One of our friendly Associates will review the rules (your vehicle must be involved in an accident in the United States or Canada, 100 miles or more from home, and vehicle must be inoperable for a minimum of 8 hours) and go over what we can reimburse you for (car rental fees, lodging, and meals).

We'll also remind you that expenses must be incurred withing 72 hours (3 days) of the accident. And that your request for reimbursement must include a police report and original itemized receipts for expenses. So you know exactly what to do and what to expect. Because even when your trip takes a turn for the unexpected, you can depend on AAA.

For information on Trip Interruption Expense Reimbursement and ALL your benefits, download your Member Benefits Guide(PDF) and consult pages 17.

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Where to Get Roadside Assistance Coverage (and Why You Need It)

N o vehicle is completely immune to the risk of a flat tire or a dead battery, which can be inconvenient at best and dangerous at worst. Roadside assistance does the work of locating and dispatching a tow truck or service vehicle for you, which comes in handy at odd hours or in unfamiliar locations. A service call, such as a tire change or jump-start, may also cost less if made through a roadside assistance plan than one booked directly.

Here’s where to look for roadside assistance coverage.

Roadside assistance and motor clubs

Membership clubs like AAA offer standalone roadside assistance plans at various price points and coverage levels . Premium plans usually include longer towing distances and additional perks compared to basic options. You can expect to pay anywhere from around $60 to $130 per year for a plan from a provider like AAA, AARP, Good Sam, or Better World Club.

Auto insurers

Roadside assistance may be an easy add-on to your car insurance policy . Most insurers provide coverage for basic benefits like towing and battery jump-starts—some have additional perks like included labor, winching, and rental car coverage. Costs range from around $12 to $60 per year on top of your policy premium. Allstate also offers a standalone plan and pay-per-use coverage, even if you aren’t an auto insurance customer.

Credit card issuers

Certain credit cards offer roadside assistance coverage as a benefit to cardholders without needing to subscribe to a separate membership such as AAA. Credit card roadside assistance perks are generally pay-per-use, and the coverage varies by card. For example, the Chase Sapphire Reserve covers up to $50 per event for up to four events per year, while Chase Freedom Unlimited cardholders pay a pre-negotiated fee for each service event.

Cell phone providers

Like auto insurers, some telecom companies offer roadside assistance to customers as a mobile plan add-on. Verizon, for example, charges $4.99 per line per month and allows four service claims per year. However, while short-distance towing is included at no charge, other services, such as a tire change or jump start, cost nearly $100 per incident. T-Mobile offers eligible customers a one-year AAA membership .

Apple also recently announced that its Emergency SOS feature now allows users to obtain AAA roadside assistance via satellite. While this feature is free for two years upon activation, the services provided are pay-per-use unless you have a AAA membership.

Car manufacturers

Some car manufacturers offer roadside assistance as part of the warranty on new and certified pre-owned vehicles, so ask about this benefit if you’re purchasing from a dealer. Extended warranties from companies like Carchex and CarShield also include roadside assistance coverage.

Questions to ask when choosing a roadside assistance plan

The first thing to consider when shopping for roadside assistance is what services are included. Plans typically cover towing, lockouts, jump-starts, tire changes, and fuel delivery, though the specifics vary across plans, and some limit towing distances and the number of service calls allowed per year. Premium benefits include winching, trip interruption (such as reimbursement for food and lodging), replacement battery installation, and rekeying.

You should also determine whether your plan will cover services provided to additional drivers and family members as well as rental cars.

Price is another factor when shopping for roadside assistance coverage. If you have a credit card that offers pay-per-use services, you get the peace of mind for free and can simply hope you won’t need to use the benefit. Note that while an auto insurance or mobile plan add-on may be cheaper upfront, using your coverage may cost you more in the end compared to a comprehensive membership plan.

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What Is Trip Interruption Insurance?

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What, Exactly, Is Trip Interruption Insurance?

Trip interruption insurance covers you if you become ill, are injured, or die after your travel begins. Trip interruption insurance also covers you if a family member or travel companion gets sick, is injured, or dies once your trip has commenced. Depending on which coverage you choose, your travel insurance policy's trip interruption clause may reimburse you for all or part of the prepaid cost of your trip, or it may just pay enough to cover the change fees for your airfare home.

Trip Interruption Insurance Specifics

Most policies specify that you (or the ill or injured party) must see a doctor and obtain a letter from him or her stating that you are too ill or disabled to continue your travel. You must get the doctor's letter before you cancel the rest of your trip. If you do not do this, your trip interruption claim may be rejected.

The definition of "travel companion" may include the requirement that the companion must be listed on a travel contract or other registration document. In some cases, the companion must also intend to share accommodations with you. Some insurance companies will pay all or even 150 percent of your nonrefundable trip deposits and trip costs.

Others will pay up to a certain amount, typically $500, to cover the cost of changing your return airline, train, or bus ticket so you can get home. In either case, the trip interruption must be the result of a covered reason, such as illness, death in the family, or a situation that seriously threatens your personal safety. These covered reasons will be listed on your travel insurance policy certificate.

Trip interruption coverage may also protect you against a whole host of problems, provided they take place after your trip begins. These problems may include weather issues, terrorist attacks , civil unrest , strikes, jury duty, an accident en route to your trip departure point, and more. The list of covered events varies from policy to policy. Carefully read the policy certificate before you pay for travel insurance. 

Trip Interruption Insurance Tips

Before you buy a policy, be sure you understand what kind of documentation you will need in order to make a claim. Save all paperwork related to your trip, including contracts, receipts, tickets, and emails, in case your trip is interrupted, and you need to file a claim with your travel insurance provider.

Travel insurance providers will not cover known events, such as named tropical storms, named winter storms, or volcanic eruptions. Once a storm has a name or an ash cloud has formed, you will not be able to buy a policy that covers trip interruptions caused by that event.

Find out how "imminent threat to your personal safety" is defined by your travel insurance provider. Some policies will not cover imminent threats unless the US Department of State issues a Travel Warning regarding that threat. In nearly all cases, the Travel Warning must be issued after the start date of your trip.

Look for a policy that covers situations that are likely to arise at your destination. For example, if you are traveling to Florida in August, you should look for trip interruption insurance that covers delays caused by hurricanes.

Carefully read your entire insurance policy certificate before paying for trip interruption insurance. If you do not understand the certificate, call, or email the insurance provider and ask for clarification.

If you think you might need to cut your trip short for a reason that is not listed on your policy, consider buying Cancel For Any Reason coverage, too.

What Is the Difference Between Trip Interruption and Travel Delay Insurance?

Some travel insurance providers classify situations caused by everything except illness, injury, or death as "travel delay" rather than "trip interruption," so you must look at both types of travel insurance as you investigate possible insurance policy options. You may decide that you need only one of these types of coverage, or you may discover that you need both. If you are confused, do not hesitate to call your insurance agency or contact your online travel insurance provider. It is far better to clear up questions or concerns before your trip.

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Get on a Harley

Progressive Roadside Assistance with Trip Interruption Coverage

Progressive Motorcycle Insurance offers a comprehensive Roadside Assistance program with Trip Interruption Coverage. This program extends 24/7 support for mechanical or electrical failures, providing riders with the necessary aid to resume their journey promptly.

The Standard Package includes one service per calendar year, covering transportation of the motorcycle to the nearest dealership up to $100. Additional membership packages are available, such as the Deluxe Package and Ultra Package, offering enhanced coverage and emergency travel reimbursement.

Progressive also provides attractive trade-in and cash back offers on select motorcycle models while offering financing options through Eaglemark Savings Bank, subject to credit approval.

Table of Contents

Key Takeaways

• Progressive Motorcycle Insurance offers 24/7 support for mechanical or electrical failures through their Roadside Assistance and Trip Interruption Coverage.
• The coverage includes one service per calendar year, up to $100 for transportation to the nearest dealership, and provides additional support for breakdowns far from home.
• Making a claim for Roadside Assistance or Trip Interruption Coverage involves contacting the insurance provider and providing details about the issue encountered.
• Progressive Motorcycle Insurance’s Roadside Assistance is known for its round-the-clock availability, trained agents, and trip interruption coverage for extended journeys.

What Is Roadside Assistance and Trip Interruption Coverage?

Roadside assistance and trip interruption coverage refers to the benefits provided by Harley-Davidson’s progressive motorcycle insurance. These benefits include 24/7 help for mechanical or electrical failure, agents to assist in resuming the journey, and a standard package that covers one service per calendar year with a maximum coverage of $100 to safely transport the vehicle to the nearest dealership.

The difference between roadside assistance and trip interruption lies in their respective scopes. Roadside assistance focuses on immediate aid for issues like flat tires or dead batteries. On the other hand, trip interruption provides additional support such as transportation or lodging if your motorcycle breaks down far from home.

Having trip interruption coverage is important because it safeguards against unexpected expenses and ensures you can continue your journey without undue hassle. Common scenarios where these coverages might be needed include breakdowns in remote areas, accidents causing significant damage, or unforeseen events like severe weather conditions.

To make a claim for roadside assistance or trip interruption coverage, contact your insurance provider and provide details about the issue encountered. Factors to consider when choosing a plan include the extent of coverage offered, cost-effectiveness, customer reviews regarding response times and service quality, as well as any additional features that may be included in the package.

Benefits of Progressive Motorcycle Insurance’s Roadside Assistance

The benefits provided by the roadside assistance feature of Progressive Motorcycle Insurance include round-the-clock availability, support for mechanical or electrical failures, and the presence of trained agents to aid in resolving issues and ensuring the continuation of one’s journey.

This roadside assistance feature sets Progressive apart from other insurance providers by offering comprehensive coverage that goes beyond standard motorcycle insurance.

In addition to providing assistance in case of breakdowns, Progressive also offers trip interruption coverage for long distance riders. This is particularly beneficial for those embarking on extended journeys as it provides financial reimbursement for expenses incurred due to a covered event that interrupts their trip.

Furthermore, Progressive’s roadside assistance is especially valuable for motorcycle breakdowns in remote areas where help may be scarce.

When choosing a roadside assistance package, it is important to consider factors such as coverage limits, response time, and additional services offered to ensure that it meets your specific needs and preferences.

Membership Packages for Roadside Assistance and Coverage

Membership packages for roadside assistance and coverage offer various levels of protection and benefits. The Deluxe Package, for instance, covers up to two H-D motorcycles and provides unlimited services. It’s like having a personal pit crew at your disposal!

But let’s talk about pricing comparison, shall we? Different packages come with different price tags, so it’s essential to choose one that fits your budget and needs. Don’t forget to consider the coverage limits too. You don’t want to find yourself stranded on the side of the road with no help in sight.

Additionally, there are add-ons and upgrades available if you want extra peace of mind. And fear not, non Harley Davidson motorcycle owners! Roadside assistance is not exclusive to them; it’s available for everyone. So whether you’re riding a Harley or another brand, you can still enjoy the benefits.

And guess what? If you plan on taking your bike abroad, there’s even roadside assistance for international travel! So go ahead and explore the world on two wheels without worrying about getting stuck in an unfamiliar place.

Extended Coverage Options for Enhanced Protection

To enhance the level of protection and coverage, extended options are available for individuals seeking additional benefits beyond the standard membership packages.

• Roadside assistance benefits comparison: When comparing roadside assistance benefits, it is important to consider factors such as the availability of help 24/7, coverage for mechanical or electrical failures, and the presence of agents who can assist in getting you back on your journey.
• Roadside assistance vs. extended warranty: While roadside assistance provides immediate help in case of a breakdown, an extended warranty offers long-term coverage for potential repairs and replacements. It is advisable to evaluate your needs and budget before deciding which option suits you best.
• Roadside assistance for long-distance rides: Planning a road trip? Make sure your roadside assistance package covers long distances and includes services like towing or emergency travel reimbursement to ensure peace of mind during your adventure.
• Roadside assistance for off-road adventures: For those who enjoy off-road adventures, it is crucial to check if your roadside assistance plan covers situations specific to these activities, such as flat tires or recovery from challenging terrains.
• Roadside assistance for vintage motorcycles: Vintage motorcycle owners may have unique requirements due to older parts and specialized maintenance needs. Ensure that your chosen roadside assistance provider understands these nuances and can provide suitable support tailored to vintage motorcycles’ demands.

Trade-In and Cash Back Offers for Select Motorcycle Models

Trade-In and cash back offers are available for select touring and adventure touring models, providing potential savings of up to $2,500 in trade-in credit or $1,500 in cash back. Eligible motorcycles for trade-in credit include the Adventure Touring Models that also qualify for cash back offers.

In addition to these enticing offers, Harley-Davidson provides roadside assistance for mechanical failures. So, if your bike suddenly decides to take a break on the side of the road, don’t worry! Help is just a phone call away.

And let’s not forget about trip interruption coverage details. If you’re on a grand adventure and encounter an unexpected hiccup along the way, rest assured knowing that Harley-Davidson has got your back. They offer roadside assistance for electrical failures as well because even motorcycles can have bad hair days sometimes!

With these benefits in place, you can ride with confidence knowing that Harley-Davidson has your best interests at heart.

Financing Options for Progressive Motorcycle Insurance

Financing options for Harley-Davidson motorcycles are subject to credit approval and offer varying APR based on credit performance and loan term. When it comes to motorcycle financing, there are several factors to consider, including loan terms, credit approval, APR rates, and monthly payments.

To help you navigate through this process with a touch of humor, here are four key points to keep in mind:

• Credit Approval: The first step towards securing financing is getting your credit approved. Remember, good credit can open doors (and throttle) for better rates.
• Loan Terms: Understanding the length of your loan term is essential. It’s like choosing between a leisurely Sunday ride or a thrilling race – both have their merits!
• APR Rates: The Annual Percentage Rate (APR) determines the cost of borrowing money for your new motorcycle. Lower rates mean more savings for extra accessories or fuel stops.
• Monthly Payments: Ah, the sweet sound of budgeting! Monthly payments ensure that you don’t break the bank while enjoying the open road.

So remember, when exploring motorcycle financing options, buckle up (or should we say strap on your helmet) and find a deal that puts a smile on your face every time you twist that throttle!

How to Access Roadside Assistance and Trip Interruption Coverage

In the previous section, we explored financing options for Progressive motorcycle insurance. Now, let’s shift our focus to the practical side of things and discuss how to access roadside assistance and trip interruption coverage.

Accessing roadside assistance is a breeze with Progressive. Simply call their dedicated hotline, available 24/7, and knowledgeable agents will be there to assist you in getting back on your journey after experiencing mechanical or electrical failure.

Trip interruption coverage is an invaluable feature that provides peace of mind during long-distance trips. It ensures that if you encounter unexpected setbacks such as accidents or breakdowns, Progressive will cover expenses like lodging, meals, and transportation until you can resume your journey.

To make a roadside assistance claim, gather all relevant information such as your policy details and the nature of the incident, then contact Progressive promptly to initiate the process.

So whether you’re embarking on a cross-country adventure or just cruising around town, rest assured that Progressive’s comprehensive roadside assistance has got you covered every step of the way.

Frequently Asked Questions

What is roadside assistance.

Roadside assistance is a service provided by insurance companies to assist drivers when their car is disabled or encountering issues on the road. It typically covers services like towing, fuel delivery, tire change, and locksmith service.

What does progressive roadside assistance cover?

Progressive roadside assistance covers a range of services including towing, fuel delivery, tire change, winch service, and locksmith service. It provides support to drivers in various emergency situations on the road.

How much does progressive roadside assistance cost?

The cost of progressive roadside assistance varies depending on the coverage and insurance policies you choose. It is recommended to contact Progressive or check their website for specific pricing details.

Can I add roadside assistance to my car insurance policy?

Yes, you can add roadside assistance to your car insurance policy. Many insurance companies, including Progressive, offer this additional coverage for customers who want extra assistance and peace of mind while driving.

What is trip interruption coverage?

Trip interruption coverage is a type of insurance coverage that helps cover the expenses if your trip is interrupted due to a covered event, such as a car breakdown or accident. It can include expenses like lodging, transportation, and meals.

How do I submit my receipt to Progressive for roadside assistance and trip interruption?

You can submit your receipt for roadside assistance and trip interruption coverage to Progressive by following their specific instructions provided in your insurance policy or by contacting their customer support. Make sure to keep all the necessary documentation and receipts for reimbursement.

Does roadside assistance include towing?

Yes, roadside assistance often includes towing service. If your car is disabled and needs to be towed to a repair shop, roadside assistance can arrange for a tow truck to transport your vehicle.

How many miles does roadside assistance cover?

The coverage for roadside assistance varies depending on your insurance policy. Some policies may offer coverage up to 15 miles, while others may provide coverage up to 100 miles or even for RVs. It’s important to review your policy or contact your insurance provider for specific details.

What are the benefits of having roadside assistance?

Having roadside assistance provides peace of mind while driving, knowing that help is just a call away in case of emergencies. It can save you time, money, and hassle when faced with unexpected car issues on the road.

Can roadside assistance services be used for any type of vehicle?

Yes, roadside assistance services can be used for various types of

Trip Interruption Benefits

What is trip interruption.

Trip Interruption offers coverage if a trip is disrupted or cut short due to unforeseen circumstances such as sicknesses, severe weather conditions, or other eligible events that are out of the traveler's control. Trip Interruption Coverage typically covers expenses such as the cost of additional transportation, accommodation, and other expenses incurred because of the interruption. The exact coverage and benefits vary depending on the insurance policy.

Is Trip Interruption necessary?

Whether Trip Interruption insurance is necessary or not depends on several factors, including the type of trip you're taking, the cost of the trip, and your personal risk tolerance. The Trip Interruption benefit can provide coverage for unexpected events such as sickness, weather-related cancellations, and other eligible events that can cause you to interrupt your trip. Trip Interruption also allows travelers to rejoin their trip after an interruption has occurred. In general, having a trip interruption is a personal decision that should be based on the traveler's specific needs and circumstances. However, it's always a good idea to consider trip interruption coverage, especially if the trip involves a significant investment of time and resources. This can help to protect against financial losses if the trip is interrupted for a covered reason.  

What Qualifies as Trip Interruption  

1. Sickness, accidental injury, or death that results in medically imposed restrictions as certified by a physician during your trip preventing your continued participation in the trip A physician must advise to cancel the trip on or before the scheduled return date 2. If a family member or traveling companion booked to travel with you incurs sickness, accidental injury, or death. A & B must occur: a.) While you are on Your trip  b.) Requires necessary treatment at the time of interruption, certified by a physician that results in medically imposed restrictions to prevent that person’s continued participation on the trip 3. In case of sickness, injury, or death of a non-traveling family member 4. The death or Hospitalization of Your Host at the Destination during Your trip 5. If you are terminated or laid off from your full-time employment by your company through no fault of your own, one year or more after starting employment, during your trip 6. You transfer your employment more than 250 miles away from your home during the trip. This applies if you have been employed by the transferring employer since your policy's effective date and the transfer requires you to relocate your home 7. If your previously approved military leave is revoked or you experience a military reassignment during the trip 8. If you, your traveling companion, or a family member who is military personnel is called to provide aid or relief in the event of a natural disaster (excluding war) 9. Severe weather causes the complete cessation of services for at least 48 consecutive hours of the common carrier (e.g., airline), preventing you from reaching your destination. Note: This benefit does not apply if the natural disaster was predicted or a storm was named before you purchased this policy 10. If a natural disaster at your destination renders your accommodations uninhabitable 11. If a terrorist incident occurs in your departure city or in a city listed on your trip itinerary during your trip, and the travel supplier does not offer a substitute itinerary. Note: This does not cover flight connections or transportation arrangements to reach your destination. The scheduled departure date must be within 15 months from your policy's effective date. Terrorist incidents that occur on an in-flight aircraft are not covered 12. If you or your traveling companion are victims of a felonious assault during the trip 13. If you or your traveling companion are hijacked, quarantined, required to serve on a jury, or subpoenaed  if your home is made uninhabitable by a natural disaster or experience a burglary at your principal place of residence during the trip 14. You or Your Traveling Companion are directly involved in a traffic accident en route to departure. Note: This must be substantiated by a police report obtained by you and presented along with other claim forms and documentation. 15. If a travel supplier goes bankrupt or defaults during your trip, resulting in a complete halt of their services. However, these benefits will only be provided if there is no other transportation option available. If there is an alternative way to reach your destination, the benefits will be limited to covering the change fee required to transfer to another airline. Note: This coverage applies only if your scheduled departure date is within 15 months from the start date of your insurance policy 16. Strike that causes complete cessation of services of the common carrier affecting you or your traveling companion who is scheduled to travel. Note: Strike must last for at least forty-eight (48) consecutive hours File for a free quote

Do I need Trip Interruption coverage?

Having trip interruption coverage is a savvy idea. It offers coverage for multiple reasons to help you get your trip back on track. All three of AXA’s travel plans include Trip Interruption coverage, maximum coverage per person is up to:  

Maximum Benefit: 100% of Trip Cost Reasonable Expenses Per Day: $100

Maximum Benefit: 150% of Trip Cost Reasonable Expenses Per Day: $100  

Maximum Benefit: 150% of Trip Cost Reasonable Expenses Per Day: $100

Receive a free quote within minutes, and decide which plan fits best for your travel needs!

Why choose axa travel protection.

With a presence in over 30 countries worldwide, AXA provides assistance with a wide range of features that include:  •    Extensive knowledge of local health risks and medical facilities to respond swiftly in the event of a medical emergency •    24/7 global team of travel experts that offers assistance and assurance while traveling

Compare Travel Insurance Plans

Get covered against Trip Delays, Medical Emergencies, Lost Baggage, and more!

Trip Interruption Insurance FAQs

How much does trip interruption cost.

• Length of Stay
• Destination
• Type of Trip
• Number of Travelers
• Extent of Guarantees

What types of vacations does Trip Interruption apply to?

When does trip interruption coverage begin.

• Trip Interruption coverage begins when a specific travel package has been selected
• Trip Interruption coverage will begin on the day after the required premium for such coverage is received by the authorized representative

When does Trip Interruption coverage end?

• The scheduled return date as stated on the travel tickets
• The date and time you return to your origination point if prior to the scheduled return date
• The date and time you deviate from, leave, or change the original trip itinerary (unless due to unforeseen and unavoidable circumstances covered by the policy)
• If you extend the return date, coverage will terminate at 11:59 P.M., local time, at your location on the scheduled return date unless otherwise authorized by the Company in advance of the scheduled return date
• When your trip exceeds ninety (90) days
• The return date as stated on your purchase confirmation

How to get a Travel Protection Quote?

Need Help Choosing a Plan?

Speak with one of our licensed representatives or our 24/7 multilingual Insurance advisors to find the coverage you need for your next trip. From Medical Coverage to Trip Cancellation protection, our team of travel experts will help you choose the right coverage.

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Road Trips: How to Plan an Accessible Getaway

By Syren Nagakyrie

Planning an accessible road trip is getting a little easier for people with disabilities. There are more resources created by and for the disability community, and the tourism industry is starting to recognize the value of accessible travel. As a disabled, chronically ill, neurodivergent person, I take road trips every year and have learned some tips and tricks along the way.

Renting a vehicle

Most major car companies offer adaptive driving devices for their vehicles at no additional cost. Enterprise , for example, offers hand controls, left foot accelerators, pedal extenders and spinner knobs to facilitate steering. Budget can provide hand controls, spinner knobs, a panoramic mirror, swivel seats and transfer boards. Be prepared to request adaptive devices at least three business days in advance.

For a wheelchair-accessible van with a ramp or a lift, rent from a mobility company like BraunAbility , one of the largest builders of wheelchair-accessible vans in the country, with rentals at many locations. MobilityWorks , an accessible-vehicle and adaptive-equipment dealer, has rental locations in 34 states. AccessibleGO , which offers a one-stop shop for adapted rental cars and wheelchair-accessible vans, has agreements with 100 wheelchair van rental locations nationwide; request a quote on their website. For accessibleGO’s rental cars, you can request hand controls and a spinner knob at checkout.

Route planning

You can use Google Maps, Waze and MapQuest for initial accessibility research using photos and street view. Google Maps provides directions for some wheelchair-accessible pedestrian and transit routes.

Sites such as Roadtrippers and Furkot can plot an entire itinerary. While these websites are not disability specific, they are invaluable tools. (Roadtrippers does have a wheelchair-accessible check box in the search function.) You can filter by types of destinations such as national parks or museums, and search for hotels and campgrounds. Furkot allows you to input how long you want to drive each day, whether you want to travel on Interstate highways or take more scenic roads. The app will determine the best route and length of time between stops, and suggest where to stay overnight.

Finding lodging

While hotels and other accommodations are required to comply with the Americans With Disabilities Act, many hotels do not meet all accessibility needs. Most of the booking sites list hotels with accessible rooms for those with mobility, hearing and vision needs, but this information is not always verified. Do additional research on review sites and look for photos. Hyatt, Marriott, Hilton and Fairmont hotels offer allergy-friendly and scent-free rooms in some locations. Call the hotel to verify accessibility and to make sure a specific room is reserved for you.

Vacation rentals are typically not required to be A.D.A. compliant, but some do provide accessibility information. Airbnb recently rolled out an adapted category with accessibility search features and homes that have been scanned for accessibility. Review photos and contact the host for more information. Some hosts will make accommodations, such as changing the cleaning supplies or shifting furniture, but document your request using the in-app messaging system so that customer service can help if you run into issues.

Wheel the World is an accessible travel agency offering bookings at over 3,000 verified accessible hotels in the United States. The hotels have been reviewed in person by trained assessors; only those that meet the criteria are listed. Sign up as a disabled traveler or a companion and complete a personal profile that includes options for a variety of disabilities and accessibility needs. The site will provide listings that match your profile with partial, adequate and outstanding match options.

Food and medication

There are a variety of options to keep food or medication cold while traveling. Electric coolers can plug into your vehicle’s 12-volt outlet, but pay attention to the type of cooling mechanism — the less expensive versions are usually thermoelectric and will cool only to about 30 degrees below ambient temperature (if it is 70 degrees in the car, it will cool to 40 degrees). Compressor coolers are more expensive but maintain normal refrigerated temperatures.

Many hotels provide mini-refrigerators. When you know you will be stopping somewhere with a fridge almost every night, layer large ice packs and supplies in a cooler, then top them with another insulating layer like a cooling bag. This keeps everything cold for a couple of days at a time.

It’s also a good idea to travel with a single-burner cooktop — electric to use inside, or propane to use at rest areas and campgrounds — and a camp mess kit so that you can safely cook meals.

Some of the best apps to find food, restaurants and grocery stores that accommodate dietary needs are Fig for allergy-specific options, Happy Cow for vegan-friendly options and Find Me Gluten Free for celiac-safe spots. Add your favorite options to the route-planning app so that you know where to stop.

Finding activities

In addition to the apps mentioned in the route-planning section, state and local tourism organizations are good sources for accessible destinations.

National parks and monuments, which are required to meet federal accessibility guidelines, typically have visitor centers and recreation sites with accessible features. Each park website has information, as well as programs and services within the park. While accessibility varies, you can usually find information on wheelchair-accessible trails and campsites, tactile and audio features, assistive listening devices, and American Sign Language interpreters.

At state parks, accessibility features may not be consistent, but you can usually find some information on each park’s website.

Apps like AllTrails list wheelchair-friendly trails across the country, but the information may not be verified, so contact the park or land manager for verification. Among the parks with notable accessible trails are Redwood National and State Parks, North Cascades National Park, Badlands National Park, and Great Smoky Mountains National Park .

Syren Nagakyrie, the founder of the nonprofit Disabled Hikers and the author of “The Disabled Hiker’s Guide to Western Washington and Oregon” and “The Disabled Hiker’s Guide to Northern California,” among other guidebooks, leads group hikes and conducts assessments throughout the United States.

Open Up Your World

Considering a trip, or just some armchair traveling here are some ideas..

52 Places:  Why do we travel? For food, culture, adventure, natural beauty? Our 2024 list has all those elements, and more .

Mumbai:  Spend 36 hours in this fast-changing Indian city  by exploring ancient caves, catching a concert in a former textile mill and feasting on mangoes.

Kyoto:  The Japanese city’s dry gardens offer spots for quiet contemplation  in an increasingly overtouristed destination.

Iceland:  The country markets itself as a destination to see the northern lights. But they can be elusive, as one writer recently found .

Texas:  Canoeing the Rio Grande near Big Bend National Park can be magical. But as the river dries, it’s getting harder to find where a boat will actually float .