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emergency road service coverage

If you're in a bind (or a ditch), emergency road service coverage, sometimes referred to as towing and labor coverage, can help by covering up to $75 of roadside assistance per incident.

Quick coverage facts

  • Optional coverage
  • Can help pay for towing, tire changes, and lockout services
  • Pays up to $75 for a covered incident

What emergency roadside service (ERS) offers

Emergency roadside service, or towing and labor coverage as it's called in certain states, can pay up to $75 towards roadside services if a breakdown leaves you stranded on the side of the road. To add this coverage to your Esurance policy, you may need to have comprehensive and collision coverage as a prerequisite.

ERS and towing and labor can cover:

  • Towing assistance
  • Tire changes
  • Gas, oil, and water delivery
  • Battery service (jump-start)
  • Lockout service

So if you've left your keys in your car or your car battery died while you were shopping, ERS can help by giving you a number to call and covering the expense.

How emergency road service works

ERS is available 24/7. When you're in a jam, call the toll-free number listed on the ERS card you'll receive when you add the coverage. The operator will help arrange a tow or send someone to get your car moving again.

If you decide to use your own towing service instead of ERS, Esurance will reimburse you up to your coverage limits for the cost incurred. Just fax us your receipt and we'll get right on it.

What ERS covers (and what it doesn't cover)

Unlike some roadside emergency services, ERS coverage is vehicle-specific. That means you can add it to any or all cars on your policy.

Because it's car-specific, ERS doesn't follow you into someone else's car, even if you were the driver behind the wheel.

Already have a roadside assistance plan?

If you already have emergency roadside assistance through AAA or your leasing company, just let us know. It may help lower your premium.

ERS: on the side of caution

Emergency road service offers additional peace of mind and can help make a dreaded roadside experience a little more manageable.

If you'd like to add ERS to your policy, simply log into your policy or call us at
1-800-ESURANCE (1-800-378-7262).

Related links

Rental car coverage
Along with ERS, rental car reimbursement coverage can provide added peace of mind if your ride is decommissioned.

Comprehensive and collision coverage
Learn more about the coverage you may need to add before tacking ERS onto your policy.

How to jump-start your car
Brush up on your battery knowledge and find out how to safely jump-start a dead battery.

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