Having reliable roadside assistance in the event your vehicle breaks down or is involved in an accident can provide great peace of mind for drivers. Auto-Owners Insurance offers a roadside assistance program known as Road Trouble Service to help their auto insurance policyholders in situations like lockouts, flat tires, or towing needs.
Below we’ll explain exactly how Auto-Owners Insurance roadside assistance works who is eligible what services are included, and how it can benefit drivers.
Overview of Auto-Owners Road Trouble Service
The Auto-Owners Road Trouble Service provides 24/7 assistance when you experience common roadside mishaps like
- Locked keys in car
- Flat tire
- Dead battery/need jump start
- Run out of gas
- Mechanical breakdown
- Accident towing
This service functions as an extension of your Auto-Owners auto insurance policy. By calling the toll-free hotline anytime day or night, you can request help and get connected with a towing company or locksmith to get back on the road quickly.
Key benefits include:
- 24/7 availability, 365 days a year
- Access to a network of qualified service providers
- Coverage for multiple types of common roadside problems
- Help arranging towing or other roadside services
- Potentially lower out-of-pocket costs
Keep reading to learn about eligibility, how to use it, covered services, and costs.
Am I Eligible for Auto-Owners Roadside Assistance?
To take advantage of the Auto-Owners roadside assistance program, you must be an active auto insurance policyholder. As long as you maintain your policy in good standing, you can access this included coverage.
Eligible vehicles include cars, motorcycles, RVs, trailers, and more that are specifically listed on your Auto-Owners policy. Make sure all vehicles you want covered are properly listed.
Roadside assistance from Auto-Owners Insurance is only available if you are the driver or passenger in an eligible covered vehicle at the time of the service request. You cannot use it for other non-owned vehicles.
How Do I Use Auto-Owners Roadside Assistance?
Using Auto-Owners roadside help when you need it is very straightforward:
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Call 1-888-TOW-AOIC (1-888-869-2642) – the dedicated hotline for Auto-Owners Road Trouble Service.
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Provide the representative with your name, policy number, phone number, exact vehicle location, and description of the problem.
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The representative will verify your policy status and eligibility then arrange for a service provider to assist you. This may be a tow truck, locksmith, tire service, etc.
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Cooperate with the dispatched service provider to safely and quickly get you back on the road.
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Auto-Owners Insurance will pay the provider directly for covered services so you have minimal out-of-pocket costs.
Be sure to call Auto-Owners first before arranging your own towing or services, or you may have to pay the costs yourself.
What Roadside Services are Included?
Auto-Owners roadside assistance includes a range of services to help you in case of a breakdown or vehicle issue on the road:
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Towing – If your vehicle breaks down or is damaged in an accident, towing to the nearest qualified repair shop is covered. Towing mileage limits apply.
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Lockout service – Covers locksmith services if you lock your keys in the vehicle.
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Fuel delivery – Provides delivery of a small amount of gasoline or other fuel if you run out. You pay for the fuel.
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Jump starts – Covers battery boosting services if your battery dies.
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Flat tire change – Provides for service changing a flat tire with your useable spare.
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Winching – Limited coverage for winch-out if your vehicle is stuck in a ditch.
Make sure to review your Auto-Owners policy documents for details on service limits and any exclusions that may apply in your state. Restrictions can include mileage limits for towing distance covered.
What Are the Costs for Auto-Owners Roadside Assistance?
One of the biggest benefits of using your Auto-Owners roadside assistance is lower out-of-pocket costs. However, you may have to pay a small fee depending on the type of service.
For basic services like jump starts, lockout service, flat tire change, and fuel delivery, the program will completely cover the first two service calls per policy term so you pay nothing.
If you require additional service calls for these basic services within the policy term, you may have to pay a small per-service fee around $50 or so.
For towing and winching services, you may have to pay some out-of-pocket costs, but often less than if you arranged your own towing. For example, you might pay $20-$50 for a tow up to 5-10 miles. Additional mileage would incur additional fees.
Review your specific policy to confirm when you may have to pay for services and estimated fees so you know what to expect. In many cases though, your costs are less compared to paying fully out of pocket.
Key Reasons to Use Auto-Owners Roadside Assistance
There are many advantages to relying on your Auto-Owners roadside assistance coverage:
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It’s already paid for – Part of your auto insurance premium goes towards including this coverage, so take advantage.
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Fast assistance – 24/7 access to help gets you back on the road quickly.
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Peace of mind – Know you have help for common roadside headaches.
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Convenience – The insurer arranges everything for you.
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** Savings** – Avoid potentially high bills from self-paid towing or services.
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Repair referral – Can recommend quality shops to get your car fixed.
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Rental car help – May assist with arranging rental car delivery if repairs are needed.
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Expert service – Vetted, reliable providers assist you promptly and safely.
Don’t hesitate to lean on this included protection from Auto-Owners when you really need it. Getting stranded is stressful enough without having to worry about finding help or paying excessive fees. Signing up for sufficient insurance that includes roadside assistance is smart preparation for the unpredictable.
Can I Add Additional Roadside Coverage?
If the included basic towing and roadside services that come with your Auto-Owners auto insurance policy don’t seem sufficient, you can discuss purchasing enhanced options with your agent.
For example, you may be able to increase mileage limits for towing coverage. You might also add coverage for services like extraction if your vehicle gets stuck off-road. Adding rental car reimbursement is another way to expand your protections.
Ask your independent agent for details on available enhancements you can add to your Auto-Owners insurance policy to customize coverage. They can help you evaluate if upgrading roadside assistance is right for your needs.
Get Help from Auto-Owners Insurance Roadside Assistance
Don’t wait until you experience an emergency roadside issue to learn about using Auto-Owners Insurance Road Trouble Service. Knowing it’s there to help you through common inconveniences like lockouts, jumps starts, tows and more can give you confidence in your insurance protection. Make sure to save the Auto-Owners roadside assistance number in your contacts and wallet for fast access when the need arises.
Loan or Lease Gap
The second you drive your new car off the lot, it begins to lose value. If you get into an accident, you have to pay the difference between how much your car is worth now and how much you still owe on your loan or lease. That difference between value and the amount still owed is covered by this endorsement.
If you get into an accident, your car may not be worth as much as it did before the accident, even after the repairs are done. This coverage protects your investment, ensuring that you are compensated for a reduction in value.
Provides coverage for the amount you are liable for under the terms of a rental agreement.
Bodily Injury Liability and Property Damage Liability
Payment for damages such as injury or property damage to others, including legal defense if you are sued.
People who don’t have insurance or don’t have enough liability limits will be covered if they hurt someone, damage something, or kill someone.
Auto-Owners Road Assistance Review: Pros and Cons
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