If you’re an RV owner, you know that hitting the open road can be a thrilling experience. But, like any other vehicle, RVs can break down at any time. That’s why it’s crucial to have emergency roadside assistance as part of your RV insurance policy. In this blog post, we’ll discuss why emergency roadside assistance is so important and what to look for in a policy.

The Risks of RV Travel

RV travel comes with unique risks that aren’t present when driving a regular vehicle. RVs are larger and heavier than most cars, which makes them more difficult to maneuver and stop. They’re also more prone to mechanical issues, especially if they’re older or haven’t been properly maintained.

Additionally, RV travel often involves driving on unfamiliar roads and in remote areas. If you break down in the middle of nowhere, you could be stranded for hours or even days. This is especially dangerous if you’re traveling with children, pets, or elderly relatives.

The Benefits of Emergency Roadside Assistance

Emergency roadside assistance is a type of insurance coverage that provides help if your RV breaks down on the road. Depending on the policy, emergency roadside assistance can include:

• Towing
• Jump-starts
• Flat tire changes
• Fuel delivery
• Lockout services
• Winching and extrication

Having emergency roadside assistance as part of your RV insurance policy can provide peace of mind while you’re on the road. You’ll know that you have help available 24/7, no matter where you are.

What to Look for in an Emergency Roadside Assistance Policy

When shopping for RV insurance, it’s important to look for a policy that includes emergency roadside assistance. Here are some things to consider when comparing policies:

Coverage Limits

Make sure you understand the coverage limits of the policy you’re considering. Some policies may only cover a certain number of miles for towing or have limits on the number of service calls you can make per year. It’s important to know what you’re getting so you can plan accordingly.

Availability

Check to see if the policy provides 24/7 service. You don’t want to be stranded in the middle of the night with no one to call for help. Make sure the policy covers you no matter where you are and what time it is.

Response Time

Ask about the average response time for service calls. The faster the response time, the less time you’ll spend stranded on the side of the road. Some policies may guarantee a certain response time, while others may not. Make sure you know what to expect.

Additional Services

Some policies may offer additional services, such as trip interruption coverage or concierge services. These can be helpful if you experience a breakdown while on a trip. Trip interruption coverage can help cover the cost of lodging and transportation if you’re stranded far from home. Concierge services can help you find a repair shop or rental car if your RV needs to be towed.

Cost

Finally, consider the cost of the policy. Emergency roadside assistance is an important coverage to have, but you don’t want to overpay for it. Compare prices from different insurance companies to find the best value. Keep in mind that the cheapest policy may not always be the best choice. Make sure you’re getting the coverage you need at a price you can afford.

Real-Life Examples

Emergency roadside assistance can be a lifesaver in real-life situations. Here are a few examples:

Flat Tire on a Mountain Road

Imagine you’re driving your RV on a narrow mountain road when you hear a loud pop. You pull over and discover that you have a flat tire. You’re miles away from the nearest town, and you don’t have a spare tire. Without emergency roadside assistance, you could be stuck on the side of the road for hours or even days. But with coverage, you can call for help and get a tow truck to take you to the nearest repair shop. Having emergency roadside assistance can save you from being stranded in remote areas with limited resources.

Dead Battery in a Remote Area

Now imagine you’re camping in a remote area with no cell service. You wake up in the morning to find that your RV won’t start because the battery is dead. Without emergency roadside assistance, you could be stranded for days until someone comes along and offers to help. But with coverage, you can call for a jump-start and get back on the road quickly. Emergency roadside assistance is especially important in remote areas where help may not be readily available.

Overheated Engine on a Hot Day

Finally, imagine you’re driving your RV on a hot day when the engine starts to overheat. You pull over and try to figure out what’s wrong, but you’re not a mechanic. Without emergency roadside assistance, you could be stuck on the side of the road for hours while you wait for a tow truck. But with coverage, you can call for help and get a mechanic to come to you. This can save you time and money by avoiding a costly tow.

Conclusion

Emergency roadside assistance is an essential coverage for RV owners. It provides peace of mind while you’re on the road and can be a lifesaver in real-life situations. When shopping for RV insurance, make sure to look for a policy that includes emergency roadside assistance with adequate coverage limits, availability, and response time. With the right coverage, you can enjoy the freedom of RV travel without worrying about getting stranded on the side of the road. Remember to compare policies from different insurance companies and choose the one that offers the best value for your needs.