Do I Have Roadside Assistance?
How to check if your auto policy includes roadside assistance, what it covers, and how to add it if you don't have it.
Most people don't know what they have
Roadside assistance is often buried in the endorsements section of your auto policy. Many policyholders assume they have it because they're "fully covered" — but it's typically an optional add-on, not a standard component.
How to check right now
-
1
Find your declarations page
Your dec page lists all the coverages you pay for. Look for "Roadside Assistance," "Emergency Road Service," or "Towing and Labor" in the coverage list.
-
2
Check your carrier's app or website
Most carriers have a mobile app where you can view your current coverages. If roadside is listed, it will show a benefit amount or number of uses.
-
3
Call your carrier or agent
If you can't find your dec page, call the carrier's service line or us. We can pull your policy details in minutes.
What roadside assistance typically covers
- Towing to the nearest repair facility (often up to a set dollar amount)
- Lockout service (locked keys in car)
- Jump start for a dead battery
- Flat tire change (using your spare)
- Fuel delivery for an empty tank
The one thing to know about using roadside
Don't file a formal property claim for a minor roadside issue. Using roadside assistance is separate from your claims record and typically won't raise your rates. Filing a property claim for a tow — when you have roadside coverage — is unnecessary and can affect your loss history.
How to add roadside if you don't have it
Roadside assistance endorsements typically cost $5–15 per vehicle per year. You can add it mid-policy. Send us your dec page and we'll verify what you have and quote the add-on if needed.