Does Insurance Include Free Roadside Assistance?
3 Answers
Insurance does include free roadside assistance. Here are the details of the free assistance services: 1. Emergency Repairs: If your car breaks down while driving and becomes stranded, you can directly call your insurance company to report the issue. They will dispatch a repair technician to fix the problem. You won't need to pay any special fees, only the cost of replacement parts if necessary. 2. Free Fuel Delivery: If you're driving and realize your car doesn't have enough fuel to reach your destination, you can contact your insurance company. They will arrange for fuel delivery within approximately one to two hours. 3. Jump-Start Service: If your car's battery is dead and the vehicle won't start, contacting your insurance company will provide you with a free jump-start service. However, this service is limited to a certain number of uses per policy period. 4. Free Towing Service: You can call your insurance company for free towing assistance within a 100-kilometer range.
Once my car broke down on the road, and I was panicking when I called the insurance company, only to find out that the commercial auto insurance I purchased included free rescue services, which was a lifesaver. The rescue services include towing, jump-starting, tire changes, or fuel delivery, and they are usually not automatically included—you need to check the policy details. These services are mainly available in commercial insurance like comprehensive coverage, while basic compulsory traffic insurance doesn’t offer them. There are limits on the number of free rescues; for me, it was capped at five times a year, and anything beyond that had to be paid out of pocket. The distance is often limited to within 50 kilometers. I recommend everyone to ask the customer service more questions when buying insurance and proactively confirm the service scope, so you won’t be caught off guard when an emergency happens. If your car breaks down, just call the insurance company, and they’ll help you resolve it quickly.
With my extensive driving experience, I've found the free rescue services offered by insurance to be quite practical, though they're not standard. Services like towing and jump-starting are mostly value-added features within commercial insurance, such as third-party liability coverage. However, there are often conditions attached: I've seen policies offering up to seven free rescues per year, with a mileage limit of 100 kilometers. Once, when my car battery died, the rescue team provided a free jump-start. Remember, these services must be explicitly stated in the policy, and you need to actively opt for them when purchasing insurance—otherwise, paying extra might not be cost-effective. New drivers shouldn't just focus on low prices; consider safety as well, as rescue services can save a lot on emergency expenses. In case of an incident, promptly contact your insurance company to minimize further losses.
