Padma Lakshmi :I would like to know what total breakdown is and whether this is covered in an auto insurance policy? 

Response : A total breakdown is when the vehicle becomes totally immobile and cannot be driven even a short distance to reach a repair shop, thereby necessitating a tow.  This can occur for a variety of reasons, including complete engine failure, or a dead starter or battery, though a dead battery may be able to be temporarily resolved with a jump start.

When a total breakdown occurs, the motorist may be able to have the service paid for by a roadside assistance plan. This may be available through an organization like AAA,  the vehicle’s manufacturer, the  vehicle insurance policy, or in some cases, another service the driver subscribes to, such as a  mobile  phone  carrier.

Some insurance companies provide the towing and the roadside services free off charge alongwith the comprehnsive coverage. Compare auto insurance policy to find out the different coverages and also incentives offered by the insurance company. Awareness is the key for getting low vehicle insurance or low auto insurance rates.

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