Missouri Auto Insurance Roadside Assistance comes with many options and Alternatives Insurance of Fenton has provided an outline of services to choose from. Not all insurance companies provide the same Missouri Auto Insurance Roadside Assistance services and each insurance carrier offers different prices. This article will explain the various types of benefits that have been identified through various carriers.
This article provides general policy descriptions to help consumers understand the different types of roadside assistance auto insurance coverages. They are not intended to modify any provisions in any contract of insurance. Example of Roadside Assistance options include, but are not limited to the following:
Towing – not all Roadside Assistance plans are open 24/7. Tire Changes – may require the driver to have a spare tire. Lockouts – open car door or replace the lock for a nominal fee that is not included. Lost-key Replacement – only if the key can be made at the time of service. Fuel Delivery – up to a set number of gallons. Jump Start Battery Service – free battery test and jump start to get the vehicle towed to the closest repair garage. Minor Roadside Repairs – at the site of disablement; e.g., loose hose connection, reattach loose parts. Trip Interruption – pays for overnight stay and food if the drivers and passengers are stranded while the vehicle is being repaired.
Some Missouri Auto Insurance Roadside Assistance plans offer extras:
Roadside assistance when on a bicycle. Discounts for drivers who own hybrid cars. Coverage for redoing any repair that fails within six months or 6,000 miles. Reimbursement for services car owners arrange themselves. Coverage for rental car breakdowns. Coverage for the driver, their spouse, and children under 21 living at home.
Additionally, different carriers offer different pricing structures. Some providers offer a yearly membership plan and some carriers have a pay-per-use roadside service option. Pay-per use roadside assistance is typically billed at a higher rate than an annual plan. Average price for pay-per-use ranges between $59 for non-tow services and $129 for towing service. In fact, some roadside assistance packages restrict the number of tows per year.
When consumers meet with their agent, it is recommended to inquire on the number of miles included in the towing service. Some carriers offer up to 300 miles of towing, while some carriers charge $75 for 50 miles, and only if the breakdown is within 100 miles of residency. Furthermore, some towing companies may tow a vehicle to a location of choice, while others only tow to the closest repair shop.
Generally, tow truck drivers are contracted by the insurance company. The insurance provider may exclude liability for any damage, injury or loss resulting from the negligence of the independent service facility. Independent contractors are solely responsible for their actions. Any arrangements made between the towing company and the insured is considered outside of the covered services and are not covered by the insurance company.
There are many restrictions to Missouri Auto Insurance Roadside Assistance services. Some of them are noted below; however, each carrier is different. Just be sure to ask a licensed insurance agent what services are restricted in the auto insurance policy. Restrictions include, but are not limited to the following:
Service on taxis, buses, moving trucks, limousines or step. Service to unregistered, untagged or uninsured vehicles or vehicles that are otherwise not legally drivable. Services to vehicles which the service provider has determined to be unsafe or which require heavy duty equipment to safely provide service. Service to a vehicle which is snowbound, including unplowed street or driveways. Service on a vehicle to which a plow is attached. Service to an unattended vehicle. Service for a vehicle located at a repair facility where repairs can be performed. Removal of a vehicle from a closed repair facility. Limited number of tows per disablement. Requests to tow a vehicle from the street to the driveway. Tire service for dual-rear wheel trucks or vans. Towing of utility trailers attached to a covered vehicle. Towing not related to an accident. Delivery of diesel fuel.
Choosing a Missouri Auto Insurance Roadside Assistance plan with the most generous towing allowance and trip-interruption benefits should be made with the help of a licensed insurance agent. Alternatives Insurance of Fenton offers auto insurance policy reviews for consumers.
Alternatives Insurance of Fenton is a full service, Independent Insurance Agency and a supporting member of the Missouri Association of Insurance Agents and committed to the Trusted Choice® Pledge. With multiple locations in the St. Louis area, Alternatives Insurance of Fenton serves Saint Louis and Jefferson counties including Fenton, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills and St. Clair.
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