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Texas insurance glossary

Roadside assistance

Roadside assistance is optional coverage that pays for towing and on-the-spot help — a jump start, a tyre change, a lockout — when a vehicle will not go.

Sources checked

It is a service benefit rather than a damage coverage: it pays to get the vehicle moving or moved, and it does not repair anything. Towing distance and the number of call-outs per term are the two limits worth reading.

Whether using it counts against you is the common question, and the answer is that it varies by insurer. It is not a liability claim and it involves no fault, but repeated call-outs are visible.

Motor club membership does the same job outside the policy. Buying both is common and usually pointless.

Sources: TDI — home insurance glossary; TDI — automobile insurance guide (CB020). Verified .

A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .

See also

  • Rental reimbursement Rental reimbursement is optional coverage that pays a daily amount toward a hire car while your own vehicle is being repaired after a covered claim.
  • Comprehensive coverage Comprehensive coverage pays for damage to the insured’s own vehicle from causes other than collision, such as theft, hail, fire, flood, vandalism and animal strikes.
  • Premium A premium is the amount charged for an insurance policy for a stated term, calculated from a carrier’s rates as filed with the Texas Department of Insurance.
  • Deductible A deductible is the amount of a claim the policyholder keeps: the insurer pays the covered loss above it, and nothing at or below it.

Where this is handled

Knowing what a coverage is called is not the same as knowing what is on your policy. One independent agency can read your declarations page with you and compare the markets that will write your record.

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