When I started in the insurance business, over 25 years ago, towing was an optional coverage on Michigan auto insurance policies that simply reimbursed you, up to a specified dollar amount, if your vehicle required the assistance of a tow truck.
Over the years most insurance companies have enhanced their towing coverage to become Roadside Assistance Programs extending benefits along with offering convenient options to arrange for services with the bill paid directly by the insurance company.
Roadside Assistance typically covers:
- Dead Battery
- Changing a Tire
- Lock Out Service
- Emergency Fuel & Fluid Delivery
- Minor Mechanical Assistance
The way it works is simple: When you include roadside assistance coverage on your Michigan auto insurance policy the insurance company provides you with an emergency roadside assistance phone number or a Smartphone app to access services available 24 hours a day, 7 days a week.
If you ever need roadside assistance you call or use the app and a representative will assist you dispatching a local service provider. Once service has been completed you simply sign and the bill is taken care of directly by the insurance company – saving you the time and hassle of arranging service directly, paying out of pocket, and waiting to be reimbursed.
If you happen to arrange service on your own you can still submit a receipt for reimbursement of any covered expenses.
Emergency Roadside Assistance Phone Numbers
Fremont Insurance: 1-800-550-0325
Hagerty Insurance: 1-888-445-8103
Progressive Insurance: 1-800-776-2778
Safeco Insurance: 1-877-762-3101