The first one I was going to talk about is rental reimbursement. A lot of times, we don’t think about it. But if our car is in an accident, and we’re going to have to take it to the body shop, oftentimes, it’s going to be a couple of weeks until they’re going to be able to get that car back. And I don’t know about you, but not a lot of us have an extra car lying around that we can drive to work or go pick up our kids, run errands and things like that.
So, for a nominal fee of less than $10 every six months in most cases, we can go ahead and get rental car coverage to where we can have coverage for up 30 days and not have an out-of- pocket expense of $500 to $900 that we’re not expecting.
I don’t know about you, but I don’t want to have to go into my emergency fund because I need a rental car for my car accident. Another coverage that you might want to look into is roadside assistance. Now, different companies, there are different coverages. For some of them, it’s towing and labor, and it might be a reimbursement coverage.
So, if I call and I get my car towed, I’m going to let my company know, and they’re going to send me a check right back. I’m only out-of- pocket for a couple of days until my pocket looks full again. Otherwise, you can get the roadside assistance from the usual 1-800 number that you can call 24 hours a day. And we have different coverages.
Several of our carriers have different plans that you can even get with the roadside assistance. You can get a basic plan where you’re getting towing of up to 15 miles if you’re just mainly in town, if you lock your keys in the car—I know I’ve done it before. It’s an inconvenience. It’s nice to be able to call someone and they can go ahead and take it out of it for you.
If you run out of gas, if you need to be jumpstarted or have your tire change—I don’t know about you, but I’ve had to change my tire on the side of the road. And sometimes, after you’ve had that done, when they use those professional machines, they do it so tight, it’s hard for me to undo them. So by being able to call somebody, I don’t have to worry about not having the strength to go ahead and change my tire.It’s a nice, little feature to have, and it is so expensive.
To be able to have roadside assistance on your policy for your vehicle is, a lot of times, $20 a year. It’s less than AAA, and you can go ahead and have all those coverages that you would get with AAA and have it for a more inexpensive price.
As a single mother, I know I’m always looking for a deal. So, if you have any questions about those coverages, please feel free to give us a call at Swaggerty Insurance Group.
Our number is 865-281-3529. Let us see how we can make sure “your swag gets covered”.
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