Q. My vehicle won't start and I need help! Does my policy cover towing or roadside assistance?
A. If you've selected that coverage for your vehicle, the answer is yes!
When I answer a call from one of our customers who begins with, "Does my policy cover towing?" that person usually isn't calling merely for a quick review of coverage. In most cases, the real question being asked is, "I need help with a tow. What can my auto policy do for me?" I'm always relieved when I find that the customer has selected towing and roadside assistance coverage, because I know it will ease the customer's stress.
Here's some helpful information to reduce the chances you'll be without coverage when you need it.
Towing and roadside assistance is an option for any of your vehicles carrying Comprehensive coverage. It's pretty much what the name implies: it helps cover the expense of towing or roadside service when your car is disabled. Examples would be a battery jump-start, towing your vehicle, replacing a flat tire, the cost to bring you gas if you've run out, or having a locksmith unlock your vehicle when it unceremoniously decides to hang onto your keys (of course, you didn't leave the keys in the car, right?).
I've used the coverage myself more than once, and boy, is it a life saver!
One evening after seeing the latest Transformers movie at Seattle Center, we reached the parking lot and found we'd left on an overhead reading light. Sure enough, the car battery was dead. Since it was 1:30 a.m. I had little hope that we'd be home any time soon. I called PEMCO and was connected with our towing & roadside line, and a reassuring voice said help would arrive within the hour. We were pleasantly surprised when someone showed up in 20 minutes and we were home well before that hour was up! On top of that, no money changed hands. Less stress, and cost-free.
Towing and roadside assistance pays up to whichever limit you select – $50, $100, or $150 maximum – for any covered incident. Even PEMCO's best option costs less than a couple bucks per month per vehicle, so I typically recommend it. Note that the coverage doesn't pay for a new tire or a tank of gas. However, when you need a gas delivery or help with a flat tire, we'll help you out with the associated labor costs.
In your time of need you want your auto policy to be there for you, and adding towing and roadside assistance helps give you that assurance. Don't delay! Visit your account at pemco.com, or call your agent or Customer Service to add this helpful coverage to your policy.