That’s a really solid approach—getting the actual policy wording in writing is something I wish more people did. I’ve been burned before, too, especially with classic car coverage where “roadside assistance” can mean wildly different things depending on the agent. It’s frustrating how much it comes down to who picks up the phone that day. Still, having some kind of backup, even if it’s just a tow strap or a friend with a truck, makes a world of difference. You’re right, it’s about knowing the limits and not getting lulled into thinking you’re covered everywhere just because you have the add-on.
I totally get what you mean about the policy wording—sometimes it feels like you need a law degree just to figure out what’s actually covered. I’ve heard stories where someone thought they had full roadside, but then got stuck with a huge bill because it only applied within a certain distance from home or didn’t include towing. Makes me wonder if it’s even worth paying extra for unless you really dig into the details. Has anyone actually had a positive experience with their insurance roadside, or is it usually just easier to call AAA or something?
Honestly, I review these claims all the time and even I get tripped up by the fine print sometimes. The roadside coverage through insurance can be hit or miss—it really depends on the company and what you need. I’ve seen people get towed five miles for free, then get slapped with a bill for anything past that. Meanwhile, AAA seems to just handle it, no drama. If you’re just looking for peace of mind, AAA might be less of a headache... unless you love reading policy booklets for fun.
I hear you on the fine print—those “included” miles can be a real gotcha. I went with my insurance’s roadside add-on because it was dirt cheap, but the first time I needed a tow, I found out the hard way that my “coverage” only got me to the nearest shop, which was... not close to home. If you’re on a tight budget, it’s tempting, but honestly, if you drive a lot or have an older car (like me), AAA’s flat rate and no-nonsense approach might save you headaches in the long run. Just depends how much risk you’re willing to juggle.
Honestly, I’ve been burned by those “included” miles too. One time my minivan died at the grocery store, and the tow only got me to a shop that wanted double the price for repairs. Ended up paying out of pocket for a second tow home. I get wanting to save money, but sometimes the cheap option just isn’t worth the hassle, especially if you’ve got kids in the car and can’t be stranded. I switched to AAA after that mess—yeah, it’s a little more upfront, but at least I know what I’m getting.
