Does Auto-Owners offer roadside assistance coverage?

Does Auto-Owners offer roadside assistance coverage? Looking through Auto-Owners insurance reviews is worth understanding the full coverage available. Getting roadside assistance coverage from Auto-Owners is a great way to protect yourself when having troubles while on the road and needing assistance.

If you have trouble, Auto-Owners offers roadside assistance coverage that can help by sending a tow truck to help you. This extra protection is worth considering to take care of things that can happen on the road.

Auto-Owners Roadside Assistance Coverage

This insurance is not offered as a standalone product. But along with comprehensive car insurance, roadside assistance coverage from Auto-Owners may be an excellent option as an add-on to your policy. (For more information, read our “What types of car insurance coverage does Auto-Owners offer?“).

If you buy roadside assistance from Auto-Owners, help is available 24/7 if you:

• are in an accident
• get locked out of your car
• need a jump-start
• need a flat tire repaired
• have mechanical troubles and need a tow
• run out of gas or oil

If you need a tow and have the add-on coverage, you can call 1-888-TOW-AOIC (1-888-869-2642) any time to get help. The operator will confirm your coverage under the Road Trouble Service program and then send a tow truck to assist.

Understanding Auto-Owners Roadside Assistance Coverage Limits

Auto-Owners has a 15-mile towing limit. If you travel extensively on long deserted Interstate highways, there are many parts of the country where a 15-mile towing limit would not work.

However, if you live in a city or the suburbs, then this towing limit should suffice. This program is good if you use your vehicle for occasional road trips but primarily for running errands within a 15-mile radius of your mechanic’s shop.

Auto-Owners Roadside Assistance Maximum Limits

Compare the shorter 15-mile towing limit of Auto-Owners road assistance coverage to USAA’s limit of 50 miles. It is easy to be more than 15 miles from your favorite mechanic. Using a mechanic who you do not know may be your only option if you do not wish to pay for the extended towing.

Does car insurance cover non-accident repairs? No, you must pay for your vehicle’s major repairs. If you have a warranty for auto repairs made that guarantees the work, the warranty provider is responsible for paying for the repairs made previously if they are defective.

Auto-Owners Roadside Assistance for Mechanical Failures

You may wonder whether car insurance covers mechanical failure. For major repairs, the answer is no. If the mechanical problem is minor and it is possible for the tow truck driver to make the repair, you may request this service.

However, the tow truck driver decides if the repair is minor and can be made. Carrying spare parts in your car for common problems like replacing a failed taillight or belt is a good idea.

Be Confident When You Have Auto-Owners Roadside Assistance Coverage

Roadside assistance coverage is something you hardly think about until you need it. It may be very comforting to know that someone is available to help you 24/7 when you need assistance.

Auto-Owners offers roadside assistance coverage, and the cost for this add-on insurance is modest — it more than pays for itself with your first call for assistance when towing is involved.

However, most car insurance companies offer roadside assistance, so shop around to find an insurer that meets your needs.

Read more: Does my car insurance cover towing and roadside assistance?

Exploring Real-Life Case Studies: Auto-Owners Insurance Roadside Assistance Coverage

Case Study 1: Roadside Assistance Coverage With Auto-Owners Insurance

John, a policyholder with Auto-Owners Insurance, experienced a flat tire while driving on a remote highway. He contacted Auto-Owners’ roadside assistance and within 30 minutes, a service provider arrived to change his tire. This incident highlights the convenience and promptness of Auto-Owners’ roadside assistance coverage.

Case Study 2: Understanding Auto-Owners Roadside Assistance Coverage Limits

Sarah, a resident of a suburban area, had her car broken down due to a mechanical issue close to her preferred repair shop. She contacted Auto-Owners’ roadside assistance, and a tow truck arrived within the 15-mile towing limit to take her car to the repair facility. This example demonstrates how the 15-mile towing limit can be sufficient for drivers who primarily operate within their local area.

Case Study 3: Auto-Owners Roadside Assistance for Mechanical Failures

Mark, an Auto-Owners policyholder, experienced a minor mechanical issue with his car, a blown fuse that caused his headlights to malfunction. He called Auto-Owners’ roadside assistance and the tow truck driver, who was equipped with the necessary replacement fuse, made the repair on the spot, allowing Mark to continue his journey without further delay.

This case illustrates how Auto-Owners’ roadside assistance can cover minor mechanical repairs, providing convenience and saving policyholders from additional expenses.