Roadside service and roadside breakdown coverage are insurance policies that help drivers, cyclists, or other motorists whose automobiles have been badly damaged by a vehicular malfunction that leaves them stranded for several hours. This type of coverage can be used to replace or repair any vehicle that is damaged by a natural disaster, vandalism, theft, or collision. It may also be used to repair an automobile that has been wrecked due to a vehicle accident. In the United States, roadside service and roadside breakdown insurance are generally known as collision or comprehensive coverage.
Roadside service or roadside breakdown coverage are required by law in many states and jurisdictions because without them, drivers would be faced with the inconvenience of having to pay for the repairs to their vehicle on their own. The insurance coverage that is provided by this type of policy is designed to reimburse the policyholder for any expenses that occur as a result of being stranded while waiting for help from the police, fire department or another driver.
This type of coverage is a “no fault” policy and is usually paid for out of the insured’s own pocket. Although the driver is not the one responsible for the damages or injuries to a car, it is important to note that a driver’s negligence is often found to be partly to blame when a problem is encountered. For instance, in the case of an accident where the driver of the car did not stop at a red light, it is likely that the fault will be blamed on the driver. If, however, the driver had stopped at a green light before running a red light, the accident may be blamed on the driver.
Most roadside service and roadside breakdown policies provide a certain amount of coverage that the policyholder is required to pay if they must wait for more than five hours for their car to be fixed or replaced. Many policies provide no medical coverage if the driver remains stranded on the side of the road while waiting for the tow truck or other emergency personnel to arrive. This type of coverage may also provide limited liability coverage if the driver must stay overnight in the hospital because of the incident.
Another major difference between collision or comprehensive coverage and roadside service and breakdown insurance is that the former provides only the driver with roadside service and roadside breakdown service. Comprehensive insurance provides the same type of coverage but provides the rest of the car owner’s insurance with coverage as well. In many cases, roadside assistance services are provided to the policyholder at the time of the roadside breakdown.
A good roadside service policy can help protect the driver’s vehicle from damage that could be caused by vandalism or theft while they are waiting on the roadside for the tow truck to arrive. A good roadside service policy usually requires that the policyholder to pay the cost for the tow truck to come to the driver’s car, and that the policyholder to pay the cost to replace the vehicle in the event that the tow truck is unable to tow the vehicle to a new location. Some policies also provide that the policyholder also pays the cost of hiring a locksmith to unlock the vehicle while the tow truck is at the new location. These types of roadside service policies typically include a deductible that the policyholder must meet in the event that the car is stolen or vandalized while it is waiting for the tow truck to arrive.
If a policyholder decides to use roadside assistance in an effort to repair their vehicle, a roadside service, and breakdown policy can usually provide coverage for this expense. Some roadside assistance services will provide repair or replacement parts as well as the cost of hiring a locksmith. In some states, roadside assistance services are mandated by law. Other roadside assistance plans may not cover all or any of the costs that are associated with replacing a car’s parts.
Most people choose a comprehensive coverage type of policy over a roadside assistance plan because these types of plans provide coverage for damage to the car as well as the driver’s car. Drivers who choose comprehensive insurance plans can be sure that their car is safe and secure while they are waiting on the roadside.