Maybe you encountered a flat tire, or perhaps your battery died while you were out. While you do have options, should you call your car insurance for roadside assistance?
After all, it does make sense that you would contact them first. Otherwise, what is the point of paying for roadside assistance protection?
However, it comes down to what your policy states, as well as how frequently you require help. Most insurance policies remain in place to protect your vehicle, and not necessarily make your life easy.
Worst yet is that if you’re having an exceptionally unlucky month and you wind up placing multiple claims in at once, you are going to drive up your premiums. However, simply because you have the choice doesn’t mean that you should immediately go through your company.
Typically, if something is a minor service need, you don’t always have to get the insurance company involved. A small scuff or needing a tow when the car is in good shape could be affordable enough to handle up front.
Another concern is having to deal with insurance claim adjusters. If they think that you’re trying to get one by them or are trying to have the company pay for something minute, they may stick you with the bill instead.
You might feel pressured to use them now because you know that, if the mechanic finds an issue, you’re likely going to need to cover it by yourself. You can’t afford to pay both now, making you take the cheap way out.
However, if the repair need is small, or you just ran out of gas or need a new battery, it’s not going to take a lot to get your car back up and running. If you want to skip going rounds with your insurance company, you might want to attempt paying for everything upfront.