When is roadside assistance covered under a Personal Auto Policy?

Roadside assistance is covered under a Personal Auto Policy only when an endorsement for roadside assistance is added. This means that standard policies do not include this service by default. Instead, vehicle owners must specifically request and pay for this additional coverage to benefit from services such as towing, tire changes, fuel delivery, and other emergency assistance while on the road.

This approach allows policyholders to customize their coverage based on their needs and preferences. For instance, some drivers may opt for roadside assistance due to frequent travel or owning an older vehicle, while others may feel they do not need this added service and can choose a policy that does not include it. Thus, without the endorsement, roadside assistance is not part of the basic policy structure, highlighting the necessity to explicitly add such coverage to ensure protection in case of roadside emergencies.