"....Never Get Roadside Assistance From Your Insurer."

One place that you are likely to hear about roadside assistance plans is your auto insurance company. Lots of major insurers offer the service and advertise low rates to add protection to your policy. But there’s typically a major drawback. Clark warns:

    “A number of auto insurers will offer you very, very low-cost roadside assistance in competition with AAA and other third parties. And they do it as a trick, because many of the insurers will treat towing as an at-fault claim.”

An at-fault claim can cause your insurance premiums to go up. Why? When you file a claim, it gets added to your C.L.U.E. — or Comprehensive Loss Underwriting Exchange — report. You can read all about what a C.L.U.E. report is and how it impacts your insurance here.

But your C.L.U.E. report contains info about you and any insurance claims you’ve made for up to seven years. And insurance companies use the data on your report to determine how much they’ll charge you for coverage.

“When you try to shop with someone else for auto insurance, you’ve got that poison pen letter right there that destroys your ability to get good premiums,” Clark says.
Insurance Companies Treat Roadside Assistance As Claims

I looked at the roadside assistance offerings from several of the largest insurance companies in the nation. And many of them link roadside assistance to their claims resources for customers.

READ more Information at:
https://clark.com/insurance/car-insurance/roadside-assistance/

Answers to this question: