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Last week my neighbors, Rahul and his wife, went out for a long drive. What started as a romantic getaway soon turned into a nightmare when their car broke down in the middle of nowhere and Rahul was left looking for help. As Rahul narrated to me the next evening, the couple were somewhere in the suburbs and couldn’t locate a garage. Since it was the middle of the night, arranging for a mechanic also seemed a remote possibility. Spending a few hours vainly searching for help, it was 4 a.m. in the morning when a car passing by stopped, helped them take their car to the nearest garage and also gave them a lift into the city. What a drive Rahul had! After he finished his story, I enquired why he didn’t avail the roadside assistance service from his car insurance provider.
Rahul was dumbstruck. He had no idea about this feature in his car insurance policy and asked me to enlighten him. Do you know what roadside assistance in your car insurance policy is and how it helps?
What is roadside assistance? : Roadside assistance is a cover provided by your car insurance policy wherein the insurance company helps you when your car breaks down in the middle of the road and you cannot take it to the nearest garage. Whether you suffer from a flat tyre, an electrical breakdown of your car, fuel running out or if you have locked your car keys inside the car, a roadside assistance cover would help you in all these instances.
What does roadside assistance cover? : The roadside assistance feature has a wide scope of coverage. Here are the common instances which are covered by roadside assistance:
How roadside assistance works? : In case you face any emergency which is covered by the roadside assistance feature of your car insurance policy, you would simply have to call the insurance company and request for assistance. The insurer would send you help at the earliest once intimated.
Points to remember : Roadside assistance has some aspects which you should know to understand the coverage and also the exclusions pertaining to the coverage provided by it. Here are some important points which you should remember:
Is roadside assistance helpful? : For my neighbor Rahul it definitely was. What do you think? Given the scope of coverage and the assistance provided, the roadside assistance cover is very helpful. In fact, the cover is very relevant for ladies and senior citizens driving a car and facing an emergency in the middle of the road. Whether it is an add-on or it is inbuilt in the policy, roadside assistance cover comes to your rescue when you need it the most. So, the next time you renew or buy a car insurance policy, don’t forget to include the roadside assistance cover in it.
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