If you have emergency road service coverage and your vehicle breaks down or becomes unusable, we'll pay for reasonable emergency services. In fact, the road coverage offered by Direct Auto typically pays for itself after a single use. For example, as a member, you have coverage for 24-hour emergency towing services, which means that you won't have to pay out of pocket for towing services in the event of a roadside emergency, since that service is covered in advance. Paying out of pocket for services is almost always more expensive than adding Roadside to your insurance policy or buying a membership.
If you're 100% sure that nothing will go wrong on the road, probably not. But then again, how many of us can predict the future? Paying for road coverage is ultimately a personal decision, but here are some things to consider if you're wondering whether or not you should buy a road plan. People may have free roadside assistance under their car insurance policies and may not recognize it. However, if you are not covered by your insurance coverage levels, you can add additional coverage for an additional cost.
If your car insurance provider doesn't provide 24-hour roadside assistance, there are numerous alternatives available. If you hire roadside assistance from your auto insurance company, your rate could increase if you file frequent or numerous claims. Allstate also offers stand-alone roadside assistance policies, meaning that anyone can get roadside assistance from Allstate, regardless of their car insurance provider. Keep this in mind when looking for an auto insurance policy and be sure to ask specifically about roadside assistance limits.
If you get roadside assistance through your auto insurance company, you probably can't use it for someone else. Roadside assistance is different from other types of coverage you can get from an auto insurance policy or manufacturer's warranty. Drivers can also take out AAA car insurance, but you don't need to be insured by AAA to take advantage of their roadside assistance plan. Adding roadside assistance to your car insurance policy is usually cheaper than buying a car club membership plan, and while there are credit card companies that offer roadside assistance benefits, they generally involve a fixed fee for each service.
But keep in mind that this isn't a substitute for car insurance and doesn't cover more serious emergencies. Basic car insurance generally covers only the cost of repairing damage caused by accidents, and emergency response is not an included feature. As with an auto insurance policy, roadside assistance policyholders pay a fee or premium to the service provider. Roadside assistance isn't a minimum state auto insurance requirement, like liability coverage (required in nearly every state).
All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer.