Roadside assistance is an essential feature for dealing with unexpected car issues like flat tires, dead batteries, or lockouts. While it’s reassuring to have this service, Payne Insurance Group advises using it judiciously to avoid affecting your future coverage.
Why Use Roadside Assistance Wisely?
- Impact on Insurance Premiums: Frequent use of roadside assistance can indicate to insurers that you might be a higher-risk driver. This could lead to increased premiums or restrictions on roadside assistance in future policies.
- Policy Limits: Many insurance policies have a set number of roadside assistance calls allowed per year. Using this service for minor issues can quickly exhaust your limit, leaving you without coverage when you really need it.
- Avoiding Surcharges: Overusing roadside assistance may result in surcharges or additional fees on your policy, increasing your overall insurance costs.
When to Use Roadside Assistance
- True Emergencies Only: Reserve roadside assistance for situations where you’re genuinely stranded or in a risky situation.
- Regular Vehicle Maintenance: Keeping up with regular maintenance like oil changes and tire checks can reduce the likelihood of needing roadside help.
- Basic Preparedness: Carry essentials like a spare tire, jumper cables, and a flashlight. Handling minor issues yourself can save your roadside calls for more serious problems.
Using roadside assistance wisely helps maintain your insurance benefits and keeps costs low. Payne Insurance Group encourages you to save this valuable service for genuine emergencies, ensuring it’s available when you truly need it. For more information on your coverage or to review your policy, contact us today. Stay safe and be prepared on the road!
