What Does Roadside
Assistance Cover?
Roadside assistance covers emergency help when your vehicle is disabled — most plans include towing, flat-tire changes, jump-starts, fuel delivery, lockout service, and winching. It only protects you if it’s added before a breakdown, and limits vary by carrier.
What It Covers
Roadside assistance is low-cost coverage that only helps if it’s in place before the loss — you can’t add it once you’re already stranded. A Plus is an independent broker, so we can add it to your auto policy and compare it across 9 carriers. See how roadside coverage works.
Emergency aid after a breakdown (often 15-mile towing), 24/7 support, reimbursement of service costs, and lockout help.
It must be on your policy before the breakdown — it can’t be applied to a loss already in progress.
Watch: 60-Second Explainer
Short on time? Here’s the quick version from our team.
The 7 Things It Covers
Exact benefits vary by carrier, but most roadside plans include these:
1. Towing
To a nearby shop, up to your mileage limit (you pay any overage).
2. Flat Tire
Spare put on, or help to reach a shop.
3. Locksmith
Replacement key made or programmed — often reimbursed.
4. Lockout
Get back into a locked vehicle.
5. Fuel Delivery
Enough fuel to reach the nearest station.
6. Battery
A jump-start to get you moving again.
7. Winching
Pulled out if you’re stuck in a ditch or off the road.
Is It Worth It?
For most drivers, yes — it’s usually only a few dollars a month, and a single tow can cost far more out of pocket. Many benefits come as reimbursements, so keep your receipts. Not sure what your policy includes? We’ll check it with you.
Roadside Assistance FAQs
What is typically covered by roadside assistance?
Towing, tire changes, jump-starts, lockout assistance, fuel delivery, and winching. Specific services and limits vary by carrier.
How does roadside assistance work?
You call the number on your insurance card or app, give your location, and a provider is dispatched. Some carriers pay the provider directly; others reimburse you.
Is roadside assistance insurance worth it?
For most drivers, yes — it’s usually only a few dollars per month, and a single tow can cost much more. Just add it before a breakdown.
How does A Plus Insurance help me choose the right roadside coverage?
We compare roadside options across multiple carriers to find a plan that fits your needs and budget.
Need immediate roadside assistance? How can I reach you?
Call us at 1.888.445.2793 and our team will help with your roadside and policy questions.
