What is the Travelers Insurance RDA Coverage?
Recently Travelers Insurance changed the way that they provide Roadside Assistance Coverage. For years the coverage limit was a dollar amount, most commonly $25, $50, $75, $100 or $200. If you broke down and needed a tow, you would contact a towing company and have your car towed. You would pay the bill and then submit the receipt to us (the Agent) or to Travelers directly. You would receive a reimbursement check within two weeks.
Now it is handled a little bit differently. Travelers now provides a mileage limit, 15 or 100 miles. The cost for 100 miles is $6 per 6 month term per car. If your car is disabled and accessible (must be within 100 feet of a roadway or driveway) than Travelers will send out an Authorized Service Provider to provide assistance. You must have Collision or Comprehensive coverage on your policy in order to be eligible for the RDA coverage.
Here are the services that will be provided….
- Towing or Flatbed services
- Winching (for when a vehicle is off road and not accessible by a tow truck)
- Providing jump start for a dead battery
- Changing a flat tire
- Key lock-out service
- Delivering of supplies, including oil, water, other fluids and fuel.
Travelers will pay for the services provided up to the mileage amount that you selected or to the nearest repair facility if there is not one within the mileage amount that you selected.
Supplies, fuel, other fluids, etc. will be provided but the cost will NOT be covered. This coverage can be used up to four times per vehicle per 6-month policy. Eight times per 12-month policy.
If you do not wish to use a Travelers Authorized service provider or if one is not available than you can use any company you choose and you will be reimbursed.
What if you have AAA?
This coverage is very similar to the services provided by AAA, however, I would not recommend cancelling your AAA service as it has come in handy to me so many times in so many states. Check which plan you have through AAA. It’s possible this coverage could be added in addition to AAA. If you have the best AAA plan then you may not need this coverage. Check with your agent.
What to do next.
Call your agent or check your policy to make sure you have this coverage. It is very inexpensive and could be extremely useful if you’re ever in a situation where you need it.
Have you ever used a Roadside Assistance Coverage from your carrier?