Sometimes the experience of reporting to insurance when we are stranded on the road can be complicated and ruin a trip. Let’s see what can be done to minimize the risks and be sure that our insurer can solve the incident through a tow truck.
One of the things to do before going on a trip with the car is to check that we have the contact information for our insurance company. Currently, the vast majority of car insurers have customer service services that receive notifications by phone, the Internet, or even through their own mobile applications.
In the event of a claim, when communicating it we will have to give our data and the policy number, in addition to the data of the insured vehicle. In addition, they will ask us about the circumstances of the event and the location in which we are to send the tow truck or the roadside assistance service.
The services provided by the Tow Truck Company.
In the wide range of Car Insurance, we can find multiple variables of this guarantee. It is clear that not all policies are the same and there are insurers that provide services that are not included in the products of the competition. That is why it is worth taking a look at the conditions of the policy and see what Insurance can do in the event of an incident on the road.
If there is a car breakdown, the Insurance will send a tow truck to the place where we have stopped to provide mechanical assistance. Initially, these services first try to fix the problem without having to take the car to the workshop.
Typically this coverage includes travel and labor, although if the car is repaired and replacement parts have to be found, these expenses may be charged to the customer. The most common cases of this type of incident are those related to punctures of the tire or the discharge of the battery.
Towing the vehicle
Perhaps this is the most used service in this guarantee. When the car cannot be repaired on-site, our insurer sends a tow truck to tow the car to a workshop, while the insurer facilitates the transfer of passengers by means of transport.
In this chapter, you have to pay attention to the maximum towing distance established in the coverage and the type of workshop to which the crane can be directed. Sometimes, this trip is restricted to the closest concerted workshops or an economic limit is placed on that service.
On the other hand, another important service is usually included in the coverage: the rescue of the insured vehicle. It is a very necessary service, especially when the accident attended is a departure from the track or a small accident that has left the vehicle trapped in the ditch. To move the car to the workshop, this service is essential, although when requesting it, we may find ourselves with some financial limitations.
Other services that may be included in the roadside assistance coverage are the following:
- Replacement car
- Transfer to the usual home
- Accommodation during car repair
- Deposit and custody of the repaired vehicle
- Spare Keys Shipment
What services does your Insurance Assistance not include?
It is not only convenient to make sure of the services included, but it is also very important to know what is not included in this coverage. In this sense, we must take into account the scope of the coverage.
Most insurers, the tow truck company, and technical assistance are applied from kilometer zero, although they have to establish a distance of up to 25 kilometers to be able to make use of these coverages.
In addition, it is important to know in which territory this guarantee is applicable. Normally, the national territory and other neighboring countries are included, although it is advisable to make sure where we can count on the assistance of our Insurance.
On the other hand, some insurers do not cover assistance on roads that are not paved, such as roads or forest tracks. This is an important element that we must check, especially if we often move along this type of path.
Assistance from the insurer
The easiest way to request Tow Truck is to use the communication channels offered by the insurer. Through our Insurance customer service, we can report the claim and learn about the alternatives offered by the insurer.
The efficiency of the tow truck services is improving and insurers commit to writing a response of less than an hour in their tow truck service, as an argument from Marketing. However, if we suffer a breakdown that forces us to stop the car, it is important to follow these tips:
- If the car cannot continue, we must try to stop it in a safe place, on the shoulder, and perfectly mark its position with the mandatory triangles. Of course, before getting out of the car we have to put on the regulatory reflective vest.
- When stopping the car, do not forget to write down the kilometer point and the exit where you have stopped the vehicle, so that the tow truck knows exactly where you are and can easily find the car.
- You have to be very careful when getting out of the car and do not do it if it is not necessary. Similarly, if we travel with more passengers, what we must do is reassure them and ensure that no one gets out of the car without taking the necessary security measures.
- Follow the instructions of our insurer to solve the problem as soon as possible.