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Missouri Auto Insurance Education series now includes Roadside Assistance. Consumers need to know that not all insurance companies provide the same Missouri Auto Insurance Roadside Assistance services and each insurance carrier offer different prices. Missouri Auto Insurance Roadside Assistance comes with many options and Alternatives Insurance of St Louis City has provided this article that explains some PROs and CONs when dealing with auto insurance carriers.
Roadside Assistance options may include, but are not limited to the following: Towing, Tire Changes, Lockouts, Lost-key Replacement, Fuel Delivery, Jump Start Battery Service, Minor Roadside Repairs, Trip Interruption, and more. 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 the car owners arrange themselves, coverage for rental car breakdowns, and more.
For detailed information visit the Alternatives Insurance of St Louis City blog.
Each carrier offers 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. Additionally, 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 a nominal fee for fewer miles. Furthermore, some towing companies may tow a vehicle to a location of choice, while others only tow to the closest repair shop.
A very important component in the Missouri Auto Insurance Roadside Assistance education series is the role of the tow truck driver. Generally, tow truck drivers are contracted by the insurance company; therefore, the insurance carrier may exclude liability for any damage, injury or loss resulting from the negligence of an independent tow truck driver. Independent contractors are solely responsible for their actions. Any arrangements made between the towing company and the insured is considered outside of the coverages.
There are many restrictions to Missouri Auto Insurance Roadside Assistance services that consumers need to understand. It is best to consult with a licensed insurance agent to determine which services are restricted in the auto insurance policy. Some restrictions include, but are not limited to, the following: service on taxis, buses, moving trucks, or limousines, service to unregistered, untagged or uninsured vehicles, 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 conducted, 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, towing of utility trailers attached to a covered vehicle, towing not related to an accident, delivery of diesel fuel, etc.
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 St Louis City offers auto insurance policy reviews for consumers. They are a full service, Independent Insurance agents and are committed to the Trusted Choice® Pledge. With multiple locations in the St. Louis area, Alternatives Insurance of St Louis City serves all of Saint Louis City and County including Affton, Shrewsbury, Maplewood, Crestwood, St Louis Hills, Central West End, University City, and Clayton.
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