How to Get Help Through Insurance Navy’s Roadside Assistance Program

Getting stranded on the side of the road can be a stressful and dangerous situation. Thankfully, many auto insurance companies offer roadside assistance programs to provide help when you need it most. Insurance Navy is one such provider that includes robust roadside benefits with their policies. Here’s an in-depth look at how Insurance Navy’s roadside assistance works and how you can request help if your car breaks down.

Overview of Insurance Navy Roadside Assistance

Insurance Navy’s roadside assistance program provides around-the-clock help for covered breakdowns, accidents, and emergencies. It includes the following key services:

• Towing: Up to 15 miles of towing to the nearest repair shop or other requested location

• Battery Jump Starts: Assistance jump starting a dead battery

• Flat Tire Changes Help changing a flat tire with your good spare

• Fuel Delivery: Delivery of 2 gallons of fuel if you run out

• Lockout Service: Unlocking your car if you’re locked out

• Winching: Pulling your stuck vehicle within 100 feet of a public road

With Insurance Navy roadside assistance, you can count on timely help with common roadside headaches so you can get back on your way safely.

Is Roadside Assistance Included With My Policy?

Insurance Navy includes basic roadside assistance automatically with most policies at no added cost. The specific services included may vary slightly by state. Optional upgrades with expanded features are available for an additional premium.

To verify you have roadside benefits, check your insurance card or policy paperwork for mention of the coverage. You can also call your agent or Insurance Navy customer service at 1-800-940-2945 to confirm. Having the protection of roadside assistance gives you valuable peace of mind every time you hit the road.

How Many Roadside Assistance Calls Do I Get?

Most Insurance Navy auto insurance policies include 4-5 roadside assistance calls per policy period at no extra charge. So if you break down today and need a tow, that counts as 1 call. If you then have 2 more breakdowns over the next 6 months, those would use up your remaining allotted calls.

Once you exceed the call limit, you may have to pay out of pocket for any additional roadside help. Upgrading to a higher-tier plan with more allowed calls is another option if you need frequent roadside assistance.

When Can I Call for Roadside Help?

Insurance Navy’s roadside assistance line is available 24/7/365 to help with covered emergencies. As long as your policy is active, you can call for assistance whenever you experience a qualifying breakdown, accident, or issue such as:

• Running out of gas
• Getting a flat tire
• Needing a battery jump start
• Locking your keys in the car
• Getting stuck in the mud or snow

Roadside help is just a quick phone call away any time of day or night. Insurance Navy aims to get you back on the road safely in as little time as possible.

How Do I Request Roadside Assistance?

Start the process by calling the Insurance Navy roadside assistance toll-free number at 1-800-410-9630. This number should be printed on your insurance ID card for easy reference.

When you call, the roadside representative will ask you for the following information:

• Your name and policy number
• Make, model, color, and license plate of your vehicle
• Exact location of the vehicle
• Description of the problem

With these details, they can dispatch the appropriate help based on your roadside benefits. The representative stays on the line until assistance arrives.

What If My Car Gets Towed?

If the roadside technician determines your car needs to be towed, you have a couple options:

1. Towed to repair shop: The technician can tow your car to a repair shop you specify if it’s within 15 miles. This allows the shop to inspect your car and give you a diagnosis and cost estimate for repairs.

2. Towed home or elsewhere: Alternatively, you may request your car be towed home or to another safe location within 15 miles. Just keep in mind this will require arranging alternate transportation.

In either case, make sure to communicate your preferred tow destination so you and your car end up in the right place.

Will Roadside Assistance Work Outside My State?

One limitation to be aware of is that Insurance Navy’s roadside benefits only apply within your state of residence. If you breakdown in another state, you will have to pay out of pocket for any roadside assistance.

To get nationwide coverage, you would need to upgrade to one of Insurance Navy’s premium plans that includes expanded roadside help across the US and Canada. This provides protection when traveling long distances away from home.

What Roadside Services Aren’t Covered?

While Insurance Navy’s roadside program is quite comprehensive, some limitations apply:

• Cost of parts or repair services
• Rental car reimbursement
• Service for RVs or over 1-ton trucks
• Off-road extraction or winching
• Anything beyond 15 miles from vendor’s dispatch

Make sure to review exclusions in your policy paperwork so you know what you can expect if you require roadside help. For repairs and other uncovered services, you will need to pay out of pocket.

Get Peace of Mind with Roadside Assistance

Breaking down on the side of the road is never convenient, but Insurance Navy’s roadside assistance program helps relieve stress by providing timely help. Now you know how the program works, what’s covered, and how to request aid should car trouble strike. With roadside benefits in place, every trip becomes a little less worrisome. Remember to keep that toll-free number handy in your wallet, glove box, and mobile contacts so assistance is just a quick call away.