We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.
Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Roadside Assistance or Towing Coverage: Which One Actually Pays?

Towing after a breakdown can cost far more than you expect, and the farther you are, the higher the bill climbs. Having the right assistance built into your policy means you’re not left scrambling to cover those surprise expenses. Two popular add-ons promise to save the day: roadside assistance and towing coverage. They sound alike, but they don’t pay for the same things. Here’s a clear way to pick the backup you actually need.

What Roadside Assistance Covers?

Roadside help is the quick-fix team. It usually includes jump‑starts, flat tire changes, lockout help, fuel delivery and minor fixes that get you moving. Many plans send help directly to you, so you don’t have to pay upfront and wait for a refund.

What Towing Coverage Covers?

Towing coverage pays to move your car when it can’t be driven. That can be after a breakdown or a crash. It covers the truck and the miles to a repair shop. Watch the limits: some plans pay only to the nearest shop or up to a set number of miles.

When Each One Pays?

  1. Dead battery at school pickup? Roadside pays for a jump.
  2. Keys locked in the car? Roadside pays a locksmith.
  3. Engine fails on a road trip? Towing pays to take your car to a shop.
  4. Flat tire with no spare? Roadside assistance can change a tire or towing pays if a tow is the only way.
  5. After a crash? Your auto policy may cover the tow under the claim; a towing add‑on can help if not.

Fine Print to Check

Look at per‑incident caps, mile limits and extra fees for pulling a car out of a ditch or off an unpaved area. Ask if there is a limit on the number of calls each year. Check if you pay the provider and then file for a refund or if billing is handled for you.

Adding roadside or towing to your auto policy is often cheap and simple. It uses one insurer, one ID card, and one claims history. That can make a stressful day a lot easier. Neither option is “better” in every situation. Roadside pays for quick fixes. Towing pays to move your car. The best pick is the one that matches how, where and how far you drive. Review your policy today so help and payment arrive when you need it most.

Renovation Plans Before New Year? Here’s What You Should Tell Your Insurer!

Many condo owners plan renovations before the new year to refresh their living space or increase property value. While upgrades are exciting, they can also affect insurance coverage. As an insurance company, we often see claims delayed because renovations were not reported in advance. Sharing the right details helps keep coverage aligned with your home’s […]

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How to Document Winter Damage for Faster Claims!

Winter storms can leave behind damage that is not always obvious at first glance. Ice, wind, snow, and freezing temperatures affect roofs, siding, pipes, and interiors. When damage occurs, proper documentation helps speed up the claim process. As an insurance company, we see how organized records lead to faster and smoother claims. Knowing what to […]

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What Boat Owners Miss When Filing Winter Weather Claims!

Winter weather can be harsh on boats even when they are not in use. Many boat owners assume that damage that happens during storage is not covered, or they miss important steps when filing a claim. As an insurance company, we often see delays or reduced payouts because key details were overlooked. Understanding what matters […]

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