Many auto insurance policies include roadside assistance and towing as part of their coverage. If you have an RV, you may assume that you’ll automatically get similar coverage. However, this is not always the case. Kinowski Agency Inc., serving Amsterdam, NY, can help you find an RV insurance policy that offers roadside assistance and towing for your recreational vehicle.

RV Towing Is Not Automatically Included

Unexpected breakdowns can occur with your recreational vehicle, leaving you stuck by the roadside, sometimes in a remote area. Although you may view this as an essential benefit, your insurance carrier may not. Some carriers offer limited towing but only for specified distances. You may end up paying extra for the service beyond the stated mileage. Most companies offer a roadside assistance package for your RV for an additional cost that can fully cover roadside troubles. Many carriers don’t include towing as part of their primary policies because RVs are heavy and require specialized towing equipment.

What RV Roadside Provisions Typically Include

Most RV roadside add-on policies include the following:

• Towing to the closest repair shop
• Flat tire service
• Fluid or fuel delivery
• Jump starts
• On-site mechanical help
• Lockout services
• Winching and extraction if you get stuck off-road

Check Your RV Policy Carefully

Whether benefits are included in the main policy or as an add-on, carefully read your documents to determine what is covered. Towing limits are a major concern. Some policies have a minimum mileage limit, while premium policies have a higher one. You’ll also want the benefits mentioned above, and trip interruption for lodging and meals if extensive repairs are required. Note that many policies do not cover cars being towed by your RV.

Fully protect your recreational vehicle in Amsterdam, NY, with a comprehensive RV insurance policy from Kinowski Agency Inc. Call our office today to speak with an agent.