Roadside Assistance: Policies and Exemptions

When your vehicle breaks down, you want to know that you have proper coverage to get back on the road. This article will help you understand roadside assistance policies from Geico and AAA, and discuss the importance of knowing what your specific coverage entails.

Understanding Geico's Roadside Assistance Policy

Geico's roadside assistance typically covers the policyholder and the vehicle listed on the policy. This means that if you are driving your daughter's car, which is not covered under your Geico policy, you may not be eligible for roadside assistance for that vehicle, even if it breaks down on you. It's important to note that Geico's assistance is specifically tied to the policyholder and the listed vehicle under the policy.

If you are driving your daughter's car and need roadside assistance, the best course of action is to contact Geico directly. Explain your situation to them, and they can provide the most accurate information regarding coverage and any potential exceptions. If Geico cannot assist, they can recommend other potential options, such as contacting a third-party provider, but this may incur an out-of-pocket expense.

AAA's Comprehensive Roadside Assistance Policy

In contrast to Geico, AAA provides a more comprehensive roadside assistance policy. AAA follows the person, not the vehicle, which means you can be driving someone else's car and still receive assistance if needed. AAA will tow your vehicle if it breaks down, and they will also come to assist in opening another person's vehicle if it is locked inside. This policy is rooted in the subscription you purchase, providing you with peace of mind on the road.

Comparing Geico and AAA: Coverages and Benefits

Both Geico and AAA offer valuable roadside assistance services, but the coverage and benefits differ. Geico's assistance is specific to the policyholder and the listed vehicle, while AAA's services extend to anyone driving a covered member's vehicle.

Geico:

Covers policyholder and listed vehicle May provide roadside assistance, but it is out-of-pocket Contact Geico directly for specific information

AAA:

Follows the person, not the vehicle Wills tow any covered member's vehicle Includes assistance for locked vehicles

Conclusion

Roadside assistance is a critical component of your vehicle's insurance coverage. Knowing the specific details of your policy, whether it be Geico or AAA, can save you time and money in an emergency. Always check your policy documents or contact the provider directly to ensure you understand your coverage and what options are available to you.