Using Your Roadside Assistance Benefit | Understanding This Useful Credit Card Perk


Hi there, it’s Ernest from Trip Astute. In this video, we’re exploring the roadside
assistance provided by many credit cards, and sharing some tips on how to use this benefit. (light chiming music) Have you ever had car trouble when traveling? Or even a flat tire while commuting? If so, you know how frustrating it can be to have
issues when traveling on the road. For many of us, it’s both easier and safer
to have roadside assistance help us out. However, did you know that many premium, and
even some non-premium credit cards, offer roadside assistance? It’s actually one of your card benefits. So today we’re going to review what’s included
and excluded from these policies, and give you some tips so you can take advantage of
this benefit when you need it. First off, not all roadside assistance is the
same. For simplicity sake, let’s look at three premium
travel credit cards: The American Express Platinum, the Chase Sapphire Reserve, and
the Citi Prestige, in order to understand how each card compares when it comes to roadside
assistance. The services covered by a credit card’s roadside
assistance is pretty standard with all the cards. This includes: 24 hour towing, lockout services,
battery boosts, flat tires, and fuel services. Coverage is also pretty similar in that it’s
generally limited to the US and Canada, with some cards like American Express Platinum
and Citi Prestige offering the service in US territories like Puerto Rico and the US
Virgin Islands. Some roadside assistance benefits only apply
if you’re over a specific number of miles away from your residence. In this case though, all three of these cards
offer roadside assistance regardless of how far you are from your home. With the exception of the Citi Prestige, both
the American Express Platinum and the Chase Sapphire Reserve let you use this benefit only four
times per calendar year. The Citi Prestige, on the other hand, does
not have any limits on the number of times that you use the benefit. The Chase Sapphire Reserve and Citi Prestige
will cover rental cars, while the American Express Platinum does not. This is really important to note, especially
if your travel plans include a rental car. Lastly, the cost. The American Express Platinum and Citi Prestige
do not charge anything for the service. However, there are some limitations. Your towing is limited to 10 miles. If you need to be towed further, then you’ll
pay a rate per mile. Also, fuel delivery is limited to 2 gallons. The Chase Sapphire Reserve will cover up to
$50 per incident. From what I can tell, to have a towing truck
sent to you cost around $60, so you’ll end up paying around $10 for the service. Also, towing is limited to only 5 miles for
free, so you’ll have to pay per mile for anything over that. And fuel delivery is limited to 5 gallons,
which is more than double the other cards. So, is it worth it? Well, that’s a tough question. For me, I think it’s a good benefit, especially
if you’re not covered by your personal auto insurance policy or from an external policy
like AAA. If you’re driving a rental car abroad, then you might need to search
for other options, including the ones offered by the rental car company. Otherwise, these roadside benefits could come
in handy if you have a problem on the road. For me personally,, I rely on my personal auto insurance
to provide roadside assistance when driving my car in town. If I happen to be driving a rental car in
the US, then I’ll opt to use the insurance on my Chase Sapphire Reserve. And if I find myself renting a car abroad,
then I’ll probably pay for the insurance from the rental car company, even though I know
it’s probably overpriced and full of fine print. So, in addition to everything, here are some
tips to keep in mind when it comes to roadside assistance.
Number 1: Service covers you (and not your car). This is an important thing to keep in
mind when using the roadside assistance benefit from your credit card or AAA. You should
be covered, regardless of what car you’re in. This usually not the case when using roadside
assistance from auto insurance companies. While they offer coverage for you as a driver for
their insurance policy, they typically will not provide roadside assistance when driving
a car that isn’t in the policy. So definitely check with your auto insurance
company if you don’t have credit card or AAA coverage. Number 2: Motorcycles, large trucks, and recreational
vehicles are excluded. If you want to use your credit card’s insurance for a non-traditional
vehicle, like a motorcycle, know that these policies generally will not cover it. Number 3: Roadside assistance from auto insurance companies
is usually a cheaper option. While roadside assistance from auto insurance policies may
not provide coverage for rental cars, they are usually a good choice for your daily commute. The rates usually extremely low, and you’ll
usually get the same type of help that you would get from a service like AAA.
Number 4: Roadside assistance offered by rental companies is usually unnecessary. Much like
the auto insurance that they will offer, the roadside assistance is usually pricey and
full of stipulations and additional fees. I would avoid opting for this insurance unless
you are traveling abroad and you don’t have any other coverage. Number 5: Beware of unauthorized roadside
assistance when traveling. This is a common scam when traveling. I’ve heard stories of people getting their
rental car tires punctured, then getting help from an unauthorized service truck who then
charges a lot of money, or even worse, robs them. I would suggest sticking to help provided
by the rental car company, and checking your tires for any punctures when it’s parked and
before driving on the road. Number 6: Consider AAA or a similar service.
I know a lot of folks love having AAA roadside assistance. Being from Los Angeles, it feels like everyone
has it. I do think that they provide the most comprehensive
roadside assistance services, as well as great discounts for travel. I personally find it more cost effective to
have roadside assistance from my insurance provider for my personal vehicle, and using
my credit card’s benefit when renting a car in the US. Though I totally understand the appeal of
using a service like AAA and not having to file anything with your insurance company,
since there is less risk of the insurance company raising your premium because you filed
a roadside assistance claim. Have you used your credit card’s roadside
assistance benefit? If so, please share your experience. Also, let us know if you have any questions. I’ve included a few articles that I found
while researching this topic. In addition, if you’re interested in applying
for any of the cards mentioned in this video, check out our card offer page for the latest
promotions. We do get a percentage if you use our site. It’s doesn’t cost you anything extra, but
it helps us to continue building content for this channel. If you enjoyed this video or found it useful,
please hit the “like” button and consider subscribing. And visit our website and sign-up for our
newsletter for travel articles, updates, and information on giveaways. Until next time, travel safe and travel smart.

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