If your car breaks down on the side of the road, roadside assistance can be a lifesaver. Most major insurance companies offer roadside assistance plans to complement your auto policy. National General Insurance is no exception.
This comprehensive guide will explain everything you need to know about getting roadside assistance through National General, including:
- Overview of National General roadside assistance
- Services included in their plans
- Cost of coverage
- How to sign up
- Getting service when you need it
- Coverage limitations
- Alternative options for roadside help
Let’s get started!
What is National General Roadside Assistance?
National General roadside assistance provides you with emergency services if your vehicle breaks down. It’s an add-on coverage you can purchase along with your National General auto insurance policy.
Roadside assistance coverage is administered through the National General Motor Club. This motor club acts as your roadside service provider when you need help.
Here are the main perks offered through National General’s roadside assistance program:
- 24/7 assistance with breakdowns including towing, battery jumps, lockout service, fuel delivery, and tire changes
- Coverage in any vehicle you drive, not just the one on your policy
- Reimbursement for emergency expenses like meals and lodging if stranded away from home
- Access to travel planning tools and free detailed maps
Roadside assistance can provide real peace of mind in case you find yourself broken down far from home. Let’s look further at exactly what services it includes.
Services Included in National General Roadside Assistance Plans
National General offers three tiers of roadside assistance coverage. Higher levels include more services and benefits.
The Basic roadside assistance plan from National General includes:
- Towing: Up to 5 miles of towing to the nearest service facility
- Battery jump starts: Jump start your car if the battery dies
- Flat tire changes: Assistance changing a flat tire
- Fuel delivery: Emergency gas delivery if you run out
- Lockout service: Help getting into your car if keys are lost or stuck inside
The Standard plan includes everything in the Basic plan plus:
- Expanded towing: Up to 20 miles of towing services
- Trip interruption: $500 per occurrence for emergency meals/lodging if breakdown strands you away from home
The Elite roadside assistance plan from National General offers the highest level of services:
- All services in Basic and Standard plans
- Towing up to 100 miles to the nearest repair shop
- Trip interruption expanded to $750 for emergency expenses if stranded away from home
As you can see, the Elite plan offers the most peace of mind when it comes to roadside emergencies. However, it also comes with the highest cost. Let’s look at what you’ll pay for each plan.
What Does National General Roadside Assistance Cost?
The cost of adding roadside assistance to your National General insurance policy depends on which plan you select. Here are sample rates:
These rates can vary by state. Final cost is also influenced by factors like your age and driving record.
Roadside assistance from National General is priced very competitively compared to standalone options and plans from other insurers. Most other companies charge $100 or more per year for similar coverage.
How to Sign Up for National General Roadside Assistance
Adding roadside assistance to your National General policy is quick and easy:
Existing customers can call their agent or the customer service line at 800-325-1190. Ask to add the desired roadside assistance plan to your policy. This can often be done with just a quick phone call.
New customers can inquire about adding roadside assistance when getting an initial quote. Work with your agent to build a policy with the right level of roadside help.
In most states, roadside assistance can be added to an existing National General policy at any time. Your coverage would then be effective going forward.
No matter how you sign up, there is little hassle to getting covered. Just choose the plan you want and National General takes care of the rest.
How to Get Roadside Assistance When You Need It
The key to any roadside assistance program is getting fast help when you actually break down. Here are steps to take if you need service through National General’s plan:
Call the toll-free hotline at 800-325-1190. This connects you with National General’s Motor Club which administers roadside help.
Provide policy details like your name and policy number. The agent will verify you have active roadside assistance coverage.
Describe your breakdown situation including exact location and vehicle details.
Confirm the type of service you need like towing, tire change, etc.
Get an ETA for the service truck so you know when to expect help.
Stay with your vehicle until the roadside technician arrives.
The hotline is staffed 24/7. Help will be dispatched as soon as possible after you call.
If you paid for expenses like a tow truck or hotel stay out of pocket, save receipts. You can submit a reimbursement claim to National General later.
Are There Any Coverage Limitations or Exclusions?
While National General’s roadside assistance plans are quite comprehensive, some limitations and exclusions do apply:
Vehicle restrictions: Roadside service only applies to passenger vehicles under 10,000 lbs. Motorcycles, ATVs, commercial vans, and other vehicles are not eligible.
Driver restrictions: Service is only available to drivers listed on the National General policy. Unlisted drivers cannot request roadside help.
Towing mileage limits: As outlined above, mileage caps apply based on which plan you choose. Basic plans have lower towing limits than upgraded plans.
Reimbursements: Claims must be filed within 30 days. Receipts are required for any reimbursement submitted.
Coverage limits: Each plan includes maximum limits for things like trip interruption reimbursements. Review terms for details.
Exclusions: Roadside assistance does not cover expenses related to repairs, maintenance, mounting or removing of snow tires, installation of chains, or differential.
Be sure to fully read the terms of your specific roadside assistance plan so you understand any restrictions that apply.
Alternative Options for Roadside Assistance
While roadside assistance from National General is convenient for existing policyholders, it’s not your only option. Here are a few other ways to get emergency roadside help:
Auto club memberships like AAA offer robust roadside assistance for an annual fee, no insurance required.
Your auto manufacturer may include some basic roadside help when you purchase or lease a new vehicle. Check what’s included.
Credit card perks can provide basic assistance services for cardholders. Again, details vary by issuer.
Standalone providers like Allstate Motor Club let you purchase an annual membership separately from your insurance.
Compare costs and coverage before choosing the best roadside assistance for your needs. National General makes it affordable and easy if you already have a policy with them.
Get Peace of Mind with National General Roadside Assistance
Nobody likes to picture themselves stranded on the side of the road. But roadside emergencies can and do happen when you least expect them. Roadside assistance from National General provides affordable help for those worst-case scenarios.
Their three coverage tiers offer increasing levels of service at reasonable rates. Adding roadside coverage to your existing auto policy is a breeze. And getting service simply requires a quick toll-free call for prompt dispatch.
Review the details to choose the right plan for your budget and peace of mind. Then get back to the open road knowing you’ve got backup if you break down far from home. Drive safe out there!
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