Dominique Starin / April 25, 2023

Progressive Roadside Assistance

24/7 Roadside Assistance

Progressive Roadside Assistance 24/7 is an extra coverage you can add to your policy. Examples of services provided include towing, winching, jump-starts, fuel delivery, vehicle lockout, and flat tire. Roadside assistance is available for auto insurance policies as well as motorcycles, RVs, and commercial vehicles.

What does roadside assistance cover?

Roadside assistance covers the same events whether you drive a car, motorcycle, RV, boat or a commercial vehicle. However, there are some unique aspects for each type. Whether you’re in your own driveway or on the road, you can get help if your vehicle has stopped running due to non-accident-related events (e.g., electrical or mechanical breakdown).

Vehicle towing: We can arrange to tow your vehicle anywhere within a 15-mile radius. If there isn’t a repair shop within 15 miles, we will tow it to the nearest qualified repair shop. If you choose to have your vehicle towed to a shop that isn’t the closest one, you will need to pay for the extra mileage. Keep in mind, you’re responsible for the cost of any parts and/or repairs made to your vehicle.
Winching service: If your car is trapped in mud, water, snow, or sand (within 100 feet of a road or highway), we’ll pull your car out with a motor-powered cable or chain.
Battery jump-start: We will jump-start it at the scene to help get you on your way.
Fuel delivery: If you run out of gas, we’ll deliver fuel directly to your vehicle. The delivery and service is free. You only pay for the cost of the fuel.
Battery charge for electric cars: If you run out of charge, we can arrange to tow your vehicle anywhere within a 15-mile radius, or to the nearest qualified charging facility if there isn’t one within 15 miles. You will only pay for the cost of the charge.
Locksmith service: If your keys are stole, lost or accidentally locked inside your vehicle, we dispatch a qualified service provider. You’re only responsible for keys and/or the costs to replace them.
Flat tire change: No need to panic if you have a flat. A roadside professional can put the spare tire on your vehicle at the scene for no cost as long as you provide a spare.
On-scene labor: We provide up to one hour of labor if your car is disabled. If you need more than an hour, you can simply choose to pay for any extra costs or have your vehicle towed to the nearest qualified repair shop.

Note: There may be a limit to the number of roadside events your policy covers. Additionally, in some states, such as Virginia and North Carolina, Roadside Assistance coverage is subject to limits stated on your policy.

Some services described below are only available to customers who purchased coverages such as Coillision, Comprehension, Rental Reimbursement, Medical Payments, etc., before their loss. Coverage is subject to the terms of your policy. Please refer to your policy to verify which coverages you have.

Motorcycle Roadside Assistance

In addition to roadside assistance for your motorcycle, Roadside coverage extends to any vehicle used for towing/hauling your motorcycle, even if it’s not insured by us.

Boat Roadside Assistance

Boat Roadside coverage also extends to any vehicle towing your boat, even if it’s not insured by Progressive, as long as the trailer is listed on your policy, too.

Please note that this coverage does not apply on the water. Progressive offers a separate coverage for on-water towing called Sign & Glide^®. This pays for on-water towing, jump-starts, soft ungroundings, and fuel delivery.^{**Read the associated disclosure for this claim.}

RV Roadside Assistance

Along with roadside assistance for your RV, your coverage also extends to any vehicle being used to tow/haul your travel trailer, camper, fifth wheel, etc. even if it’s not insured by us.

Trip Interruption coverage for motorcycle and boat

You can add Trip Interruption to pay for food, lodging, and transportation expenses up to $500 if your motorcycle breaks down more than 100 miles from home. For boats, Trip Interruption applies if the trailer carrying your boat, or the vehicle towing your boat trailer, breaks down more than 100 miles from home. This is especially helpful if you break down over the weekend and the local repair shops don’t open until Monday. You must have roadside assistance to be able to buy trip interruption.

Heavy Truck Roadside Assistance

Heavy Truck Roadside Assistance can help you get back on the road and back to business. Call 877-776-2436 to add Heavy Truck Roadside Assistance to your commercial policy.

How to add Roadside or extra coverages

Just log in to your policy online or call 1-800-776-4737 and you can add these coverages, though coverage may not be effective the same day.

How to use it?

If you have Roadside Assistance coverage on your policy, the easiest way to use it is to call Progressive at 1-800-776-2778. We’ll send a service provider to you to get you up and running as soon as possible.

It’s that easy!

Whether you’re in your on the road or in your own driveway, a Progressive Roadside Assistance customer service rep is ready to help. We’ll send you some company right away.

Please note: Emergency Roadside Assistance services are provided by Agero and its affiliate companies. Some services described above are only available to customers who purchased coverages such as Comprehensive, Collision, Rental Reimbursement, Medical Payments, etc., before their loss. Coverage is subject to the terms of your policy. Please refer to your policy to verify which coverages you have.

If you do not have this coverage on your policy, you can call customer service at 1-800-876-5581 to add this valuable coverage. l

If you do not have Progressive, please call our Local Authorized agent at Austin Insurance Group 1-512-339-2901 to find out how to get a new policy started.

Austin Insurance Group / Torabi Inc #1 Rated Insurance Agency

Jennifer Boes / March 9, 2015

Ask Austin Insurance Group: All Risk Insurance or Named Peril

All Risk Insurance vs. Named Peril Policies

What is the difference between all risk insurance policy and named peril policies? Read more to find out the difference and why we recommend the all risk home insurance policy.

From Ask an Agent

“I highly appreciate your offer to assist clarifying home insurance for my house. Will you please check out the attached offer and tell me what is different than AIG one?” — W.S. (Austin, Texas) 3/9/16

* * *

Basically, insurance companies write two kinds of policies for homeowners:

all risk insurance
named peril policies

All Risk Insurance Policies

All risk insurance policies are also referred to as an open peril policy or comprehensive policies. (All risks are typically HOB and HO3 policy types) vs. (Named peril policies, HOA policy types).

An all-risk insurance or open peril policy covers everything that’s not “excluded.” Every thing is covered except what is specifically excluded in the policy. The all-risk insurance policy usually costs more than the named peril policy because it offers more coverage and is more comprehensive. Under an all-risk policy, the burden is on the insurance company to prove that the peril causing the damage is not excluded. If it’s not excluded, coverage applies. Since the limitations and exclusions are the key to determining what coverages are provided by an all-risk policy, it could be called a “named exclusions” coverage. The most common perils excluded in an all-risk policy include:

Earthquake or earth movement
War
Flood, seepage, mudslide, and sewer backup (and sometimes surface water that builds up after heavy rains, underwater springs, groundwater, burst water pipes, overflowing toilets, and wind or wave-driven water)
Boiler explosion
Governmental seizure or destruction of property
Off-premises utility service interruption
Building ordinance or law
Seepage or leakage of water over a period of time
Electrical damage to electrical devices
Wear and tear; rust, corrosion, fungus, decay, deterioration, hidden or latent defect smog; settling, cracking, shrinking, or expansion; nesting, infestation or release of secretions by insects, birds, rodents or animals
Damage to building interiors by rain, snow, sleet, ice, sand, or dust unless the roof or walls are first damaged – except damage by thawing of snow, ice or sleet
Mechanical breakdown
Theft of building materials and supplies not yet attached to buildings
Employee dishonesty
Pollution

Named Peril Policies

Named peril insurance covers only what is specifically noted in the policy. For example, if it doesn’t say you’re covered for backup of sewers or vandalism damages, you are not covered. The named peril insurance policy only covers certain and specific perils, and this type of policy is usually less expensive than an all risk home insurance policy.

A typical named peril policy typically would cover:

fire
hail
windstorm
aircraft
vandalism
smoke

Earthquake and Flood insurance are two other common type of named peril policies and are written as separate policies. When your property insurance coverage is written on a named peril basis, the burden is on the insured. You must prove that one of the named perils caused your loss

Which coverage is the better choice? Lenders recommend an all risk home insurance policy.

If you’re paying a mortgage, you probably do not have a choice. Most lenders require that you protect your investment with a comprehensive policy, all-risk policy.

For others, the type of insurance to purchase should be need-based depending on the type of property you have and your location.

The advantage of an all risk home insurance policy is that it covers you in the event of a loss you did not predict. Even though it will cost more, in a world where freak accidents happen, the broader your insurance coverage, the better off you’ll probably be.

Just be sure to read the fine print so that you’re clear about the stated exclusions.

Ask Austin Insurance Group to compare policy types for you. Or visit The Texas Department of Insurance to see for yourself.

Or get a free review today, call 512-339-2901!

Home Insurance Policy Coverages

Texas Car Insurance FAQs

Jennifer Boes / August 29, 2013

All-Risk Insurance vs. Named Peril Policy: What is the difference?

Which is Better? All-risk or Named Peril?

Al-lrisk insurance or a named peril insurance policy, which is better in a given situation?

Basically, insurance companies write two types of policies for homeowners and small businesses: named peril and all risk (all-risk is also known as an open peril policy or a comprehensive).

What’s the Difference?

The “named peril” insurance policy covers only what is specifically mentioned in the policy. If the policy says it doesn’t say you’re covered for vandalism damages or backed up sewers, you are not covered. The named peril insurance policy only covers specific perils, so it is usually less expensive than an all-risk or open peril insurance policy.

A typical named peril policy would cover fire, windstorm, hail, aircraft, riot, vandalism, explosion and smoke. Flood insurance and earthquake insurance are two other common examples of named peril policies, and are generally written as separate policies. When coverage is written as a named peril basis, the burden is on you, the insured, to prove that one of the named perils caused the loss.

An “all-risk” or open peril policy covers everything that is not specifically excluded in the insurance policy. The all-risk insurance policy usually costs more than the named peril policy because it offers more comprehensive coverage. Also, under an all-risk policy, the burden is not on you, but on the insurance company, to prove that the peril causing the damage is not excluded; if it’s not excluded then coverage applies. The exclusions and limitations are the key to determining what coverage is provided by an all-risk policy.

The most common perils excluded in an all-risk policy include:

•War

•Flood, mudslide, seepage & sewer backup (and sometimes surface water that builds up after heavy rains, underwater springs, groundwater, burst water pipes, overflowing toilets, and wind or wave-driven water)

•Governmental seizure or destruction of property

•Boiler explosion

•Off-premises utility service interruption

•Building ordinance or law

•Seepage or leakage of water over a period of time

•Electrical damage to electrical devices

•Employee dishonesty

•Wear and tear; rust, corrosion, fungus, decay, deterioration, hidden or latent defect smog; settling, cracking, shrinking, or expansion; nesting, infestation or release of secretions by insects, birds, rodents or animals

•Damage to building interiors by rain, snow, sleet, ice, sand, or dust unless the roof or walls are first damaged – except damage by thawing of snow, ice or sleet

•Mechanical breakdown

•Theft of building materials and supplies not yet attached to buildings

•Pollution

•Earthquake or earth movement

So which insurance is the better choice?

If you are paying a mortgage, it is unlikely that you will have a choice. Most lenders require that you carry a comprehensive policy to protect their investment.

For all others, the type of insurance to purchase should be based on your needs depending on the type of property you have and your. The advantage of an all-risk policy is that it covers you in the event you have a loss that you did not predict. Even though all-risk policies may cost you a little more, in a world where freak accidents happen, the broader your insurance coverage protection, the better off you will probably be. Just be sure to read the fine print so that you are clear about the stated exclusions.

Austin Insurance Group | Local Texas Auto Insurance Agent | (512)339-2901 | All Risk Insurance vs. Named Peril Policies

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