Liberty Mutual Auto Insurance: Uncovering The Truth About Roadside Assistance

Liberty Mutual offers 24/7 roadside assistance to its customers for an additional cost of between $7 and $35 per car per year. This includes coverage for most emergency services, such as towing, jump-starts, winching, and fuel delivery. The company covers up to $200 in towing expenses and offers six service calls per year. However, this service is not available in all states.

How much does it cost?

Liberty Mutual's roadside assistance is an add-on service to its auto insurance policy. It costs between $7 to $35 per car per year, or between $1 to $10 per month. The exact price depends on the state and the car, as well as the level of coverage, vehicle, and other characteristics.

The roadside assistance service provides coverage for emergency services, including towing, battery jumpstarts, winches, and fuel delivery. The towing coverage is limited to $200 in towing expenses and up to the nearest repair facility.

The cost of fuel for fuel delivery and replacement parts, such as a new battery, are not included in the roadside assistance service. Additionally, there is a limit of three to six service calls per year.

Compared to other providers, Liberty Mutual's roadside assistance is on the lower end in terms of pricing. Most other major car insurance companies price their plans around $23 per year, with State Farm charging $48 per year. GEICO offers a slightly cheaper option at $14 per year.

Purchasing roadside assistance from an insurance company is generally less expensive than a motor club membership, such as AAA, which starts at $29 per month. However, the coverage provided by a motor club membership may be more comprehensive.

What services are included?

Liberty Mutual's roadside assistance includes a wide range of services to help you when your vehicle breaks down. Here's what's included in their roadside assistance package:

• Towing services: Liberty Mutual will tow your vehicle to the nearest qualified facility. They cover up to $200 in towing expenses per service call.
• Jump-starting a dead battery: If your car battery dies, they will provide a jump start to get you back on the road.
• Emergency fuel delivery: They will deliver fuel to your location if you run out of gas. Please note that the cost of the fuel itself is not included.
• Flat tire assistance: They will change a flat tire for you. You will need to provide the spare tire.
• Lockout service: If you lock your keys in your car or need help regaining access to your vehicle, they can send a locksmith to assist you.

These services are available 24/7 by calling their roadside assistance hotline. It's important to note that roadside assistance is an optional add-on to your Liberty Mutual auto policy, and it costs $7 to $35 per car per year, depending on the coverage level you choose.

How do I request roadside assistance?

Liberty Mutual offers 24/7 roadside assistance to its customers. To request roadside assistance, you can call the Liberty Mutual roadside assistance phone number at 1-800-426-9898. This number can be called when you need a tow to the nearest repair facility, locksmith services, or any other type of roadside service.

Reimbursement is also available if you arranged for roadside assistance yourself. In this case, you will need to file a claim to get the money returned.

It is important to note that roadside assistance is not automatically included in your Liberty Mutual auto insurance policy. To access roadside assistance, you must have purchased the optional "Towing and Labor Coverage" or "Towing & Labor Coverage" as part of your policy. If you are already a Liberty Mutual customer, you can check your coverage online to see if you have this option. If not, you can add this coverage online or by contacting your insurance agent.

The cost of adding roadside assistance to your Liberty Mutual auto policy varies from $7 to $35 per car per year, depending on the state and the amount of coverage purchased. Liberty Mutual will cover the first $50, $75, $150, or $200 of roadside service costs, depending on the selected coverage level. Higher coverage limits will result in higher costs, and the type of car you drive can also impact your rate.

How often can I use it?

According to a Liberty Mutual representative, you can make six service calls per year when you add roadside coverage to your auto policy. While these coverage limits are not new, it is still good to be aware of how many service calls are available to you to avoid any surprise out-of-pocket expenses.

It is recommended to keep the usage under two service calls per year, as premiums may jump up at renewal when there are three or more in a single policy period.

The $50 limit mentioned in the policy document is the "per occurrence/tow" limit. To find the limit per term, you would have to look in the policy endorsement document or call and ask customer service.

Can I use it for someone else?

Yes, you can use Liberty Mutual roadside assistance when someone else is driving your car. However, you cannot use it for someone else's car unless they are driving your car, i.e., a vehicle listed in your car insurance policy. This is because the coverage follows the car and not the driver.

To clarify, roadside assistance is only available for vehicles listed in your car insurance policy. So, if you are the driver or passenger in a friend's vehicle, you would not be covered by Liberty Mutual roadside assistance.

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