Lockouts, Jump Starts, Flat Tires
What to do for minor roadside incidents. How insurance roadside assistance works — and when to use it versus calling AAA.
The key rule: don't file a property claim
For lockouts, dead batteries, flat tires, and out-of-fuel situations, use your roadside assistance benefit — not a property claim. Roadside calls don't go on your claims record. Filing a claim for a minor incident is unnecessary and can affect your renewal rate.
Locked out
Call your carrier's roadside assistance line (see carrier numbers) or use their app. A locksmith dispatch is typically covered up to a set dollar limit. Keep the receipt — if costs exceed the benefit, you can try for reimbursement.
If you're in an unsafe location at night, call 911 first and wait in a safe place.
Dead battery
Battery jump start is covered under most roadside plans. Call the number on your insurance card or app. If you accept a jump from a stranger, document their contact info — in rare cases a mishandled jump can damage electronics, which would be a separate issue.
Flat tire
If you have a spare, roadside can send someone to mount it. If you don't have a spare (common on newer vehicles with run-flat tires or no spare at all), you'll need a tow to the nearest tire shop. Both services are typically covered under roadside.
Out of fuel
Most roadside plans include fuel delivery — typically a gallon or two to get you to the nearest gas station. You pay for the fuel itself, not the delivery.
How many times can you use it?
Most carrier roadside plans allow 3–5 service calls per policy period. Excessive use can trigger a policy non-renewal in rare cases. For frequent roadside users, a dedicated AAA membership may be more cost-effective.