Does Mercury Insurance Have Roadside Assistance?

On the road, you never know when you’ll need a helping hand. Mercury’s Roadside Assistance will be available to help you and your vehicle get back on the road if your car stops running due to a non-accident incident. Simply dial (866) 519-6478 to speak with a customer service representative who will arrange for services to be delivered to you. You can also opt-in to receive real-time status updates on your request through text message.

  • Towing – Up to the following limits, our service will tow you to a nearby repair facility.1
  • Locksmith – If your keys are lost, stolen, or locked inside your vehicle by mistake, we will send a skilled service technician to your area. You simply have to pay for the new keys2.
  • Flat tire change – If you have a flat tire, don’t panic. A trained roadside aid will put the spare tire on your vehicle for you on the spot.
  • If you run out of petrol or your car overheats, have the necessary fuel or fluids brought to you as soon as possible. You are only responsible for the cost of gas or fluids. Roadside Assistance covers this “white glove” delivery.

You will be responsible for payment if any of these services are provided by a provider outside of the Mercury Roadside Assistance program, although you can submit receipts to Mercury for reimbursement of fair and customary rates.

How do I claim roadside assistance?

It’s simple to file a claim for your Roadside Assistance coverage. Here’s how to go about it.

All you have to do is contact the insurer, provide your policy information for verification, and assistance will be provided.

You’ll have to give your name and policy number when you phone the insurance company. Some companies can obtain this information by calling your registered mobile phone number and asking you to validate the information. The procedure may differ from one company to the next.

If the insurance company sends a mechanic to your home or the automobile is towed to a garage, the claim will be handled directly by the mechanic and garage.

If your insurance company doesn’t have a deal with the garage, you’ll have to submit the repair bill and wait for the insurer to reimburse you according to the terms and circumstances. To avoid hassle, the insurance company will usually settle the amount on their own.

What is roadside assistance policy?

Assistance on the Road When your vehicle breaks down, the cover in your Car Insurance Plan acts as your most trusted ally. To put it another way, roadside assistance coverage implies a skilled expert will come to your aid if your car breaks down in the middle of a journey, leaving you stranded. It is available as an add-on to practically every auto insurance policy and provides a number of advantages, including:

1. Minor repairs: In the event of a minor issue, the customer is contacted through phone. Minor faults can force the vehicle to stop, but these can usually be handled by the driver if properly instructed.

2. Towing service: If the car gets immobilized due to a mechanical or electrical failure, or in the event of an accident, and cannot be fixed on the spot, necessary arrangements are made for the vehicle to be towed to the nearest garage for repairs.

3. Battery failure: If the car is immobilized due to a dead battery and requires a jumpstart, a technician is dispatched to jumpstart the vehicle using proper equipment.

4. Flat Tire: If your tyre becomes flat and you are unable to change it or do not have a spare, a mechanic will be dispatched to your area to replace it.

5. Spare keys: Another regular issue is when the driver misplaces or loses the key. In some circumstances, the service provider will send a representative to your home to obtain the keys on your behalf.

6. Fuel delivery: Don’t panic if you run out of gas. The Roadside Assistance Coverage will be of assistance to you. Fuel will be brought at the location, however it may be charged.

7. Arrangements for lodging: If the automobile owner wishes to stay near the garage where the vehicle is being serviced, the insurance company will make the necessary arrangements.

8. Travel arrangements/taxi service: While the insured vehicle is being repaired, the policyholder may use taxi services to get to his business or home. However, this service is only available for one destination.

Insurance firms like HDFC ERGO, for example, work with a network of reputable brands to provide roadside assistance. The service provider dispatched to your aid is chosen based on the area, vehicle, and other factors.

If the age of the vehicle, range of commuting, and convenience are all acceptable, having this auto insurance add-on cover can save you a lot of money in service fees. Typically, roadside assistance services cost between Rs 1000 and Rs 5000, depending on the roadside assistance plans chosen, the number of services required, and the size of the geographical area covered.

Disclaimer: The above information is provided solely for illustration purposes. Before proceeding with the sale, please see the policy wordings and prospectus for further information.

Mr. Mukesh Kumar recommends “getting your two-wheeler insured with HDFC ERGO, a brand that serves more than 1.5 crore+ customers” in this blog. You may be certain of assistance if your vehicle is damaged, with overnight repair services and over 7600+ network garages.

Does mercury pay for cracked windshield?

Yes, if you have comprehensive coverage, Mercury will pay for your windshield replacement or repair. For windshield repairs, Mercury waives the comprehensive deductible, but consumers must still pay their deductible for full replacement unless their policy or state law states otherwise.

You won’t have to pay your deductible for windshield replacement or repairs if you live in Florida, Kentucky, or South Carolina. In addition, insurers in Arizona, Connecticut, Massachusetts, Minnesota, and New York are required to offer a “full glass coverage” policy that lets customers to choose a $0 deductible for glass repairs.

Mercury customers, on the other hand, can make a collision claim if their windshield was damaged in an accident and they were at fault, though their specific policy specifics will decide if they must pay a collision deductible. If the insured was not at fault, the at-fault driver’s liability insurance should cover the damage without requiring a deductible.

You can check your policy details or call Mercury’s customer service line at 1 (800) 503-3724 if you’re not sure whether you’ll have to pay a deductible for windshield repair. Mercury’s claims phone number can be used to register a claim for windshield repair or replacement.

What is 24X7 roadside assistance in insurance?

Breakdown protection, often known as roadside assistance, is an add-on that you may add to your comprehensive auto insurance or two-wheeler insurance policy to assist you in times when you need roadside assistance, a.k.a. when you’re stuck on the road.

A 24×7 roadside assistance policy can help you in times of crisis, whether it’s a minor mishap or a flat tyre, without even having to file a claim.

Is roadside assistance necessary?

If you are traveling outside of the city and your car develops a problem, contact your insurer right once to request assistance. To deal with such scenarios, the insurer will form partnerships with numerous garages or open its own locations. Upon notification, the insurer will dispatch assistance for anything you have requested from the list above.

Before purchasing this as an optional cover, there are a few things to consider:

  • If this service is not included in the basic insurance, the age of the car is one of the most important aspects to consider. When your automobile gets older, the possibilities of a mechanical or engine problem increase, especially if you take it on a lengthy drive. As a result, most insurers do not provide this service for vehicles older than five years. Even if they did, the annual fees keep rising year after year.
  • Every insurance company provides a certain number of roadside assistance services each year. As a result, it is recommended that you check for the increased number of services before using them. If you plan on taking a lengthy trip, though, you should have the car inspected for important components.
  • The cost of the plan is mostly determined by the age of the vehicle, the number of services selected, and the type of route for which the service is required. If you simply want city-based services, the cost will be cheaper than if you want both city and highway-based services. The IRDA does not set a standard pricing for this, therefore it is entirely dependent on the insurer. So, before you pick one, be sure you’ve given it some thought.

Roadside assistance is a mandatory coverage that every automobile owner must get in order to receive immediate assistance from their insurer in an emergency. If it is included in the comprehensive coverage, there is no need to purchase it individually; otherwise, you should consider purchasing it separately. To avoid breakdowns, have your automobile serviced on a regular basis and have it checked by a dealer before traveling on a long trip.

When acquiring a car insurance policy, many people believe that the majority of services are included in the base coverage. This, however, is not the case. The insurer extends coverage for repairs or replacement of elements of the third party’s property, as well as coverage for medical expenditures, if it is a third-party automobile insurance policy. Following an accident, a comprehensive automobile insurance policy covers both the policyholder and the third party.

However, while a comprehensive auto insurance policy can be used in a variety of situations, not simply in the event of an accident, its coverage and services are limited. This is when the demand for add-on coverings arises. Despite the fact that they must be acquired in addition to the auto insurance policy’s premium, they improve the policyholder’s coverage and, as a result, minimize out-of-pocket expenses. The roadside assistance cover is an example of a valuable add-on cover. If the policyholder’s car breaks down, help will be provided, and if repairs are expected to take a long time, some insurers will provide lodging benefits to the policyholder. However, one should buy roadside assistance coverage based on their needs and the following factors:

In most cases, automobile manufacturers include roadside assistance coverage as a bonus feature when customers purchase a new vehicle. The roadside assistance coverage, on the other hand, will only be available for the first few years. If the automobile manufacturer provides roadside support, then having the roadside assistance add-on cover with one’s car insurance policy is unnecessary. If the vehicle is older, say over 5 years, having the roadside assistance add-on cover is a must because it will cover the price of repairs if the vehicle breaks down. Furthermore, having the roadside assistance add-on cover will be critical if the automobile breaks down in the middle of nowhere.

If you’re traveling by car within the city limits, a roadside assistance plan may be unnecessary because there are numerous service stations nearby. However, if you commute every day using your automobile outside of the municipal limits, having roadside assistance coverage will come in helpful at some point. The insurer will pay for the repairs or replacements of the parts of the car that cause the breakdown if you have roadside assistance. Of course, this will be limited to the add-on cover’s coverage.

If your auto insurance coverage includes a roadside help add-on, you won’t have to worry if your vehicle breaks down in the city or on the outskirts. The insurance will track down your vehicle and either repair it on the spot or tow it to the nearest service center. In addition, most auto insurance, as previously noted, provide lodging if the car will be repaired for an extended period of time. Instead than circling back to find a garage to get the task done after a breakdown, the policyholder only needs to notify the insurer.

Policyholders who purchase the roadside assistance add-on protection will save a significant amount of money if their vehicle breaks down. The policyholder will avoid having to go to a garage that will either overcharge for the work or completely defraud the policyholder for the expense of the repairs. The expenses for repairs are covered by the roadside assistance add-oncover, and the policyholder or car owner is not deceived in the process or paid extra for the vehicle’s servicing.

In order to persuade clients to choose them over their competitors, insurers provide discounts on add-on coverage and may even include it as a complimentary feature with the base policy. If this is the case, the service to get the automobile back on the road after a breakdown will be absolutely free.

When acquiring or renewing an automobile insurance policy, customers or existing policyholders can choose to include roadside assistance coverage. If the policyholder has a comprehensive automobile insurance policy rather than only a third-party car insurance policy, he or she can obtain roadside assistance coverage. The roadside assistance coverage must be acquired in addition to the base car insurance policy.

Is breakdown covered in insurance?

Breakdown protection is a sort of insurance that can come in handy if your car breaks down. While breakdown cover can be purchased as a stand-alone policy, some insurers include it as an optional extra with automobile insurance – and some even include it as a standard inclusion.

What is cons cover in car insurance?

Comprehensive insurance is a type of car insurance that covers the risk of damage caused by you. As previously stated, comprehensive car insurance combines third-party liability and own-damage coverage.

It covers third-party liabilities as well as loss or damage to the car caused by accidents, vandalism, fire, falling objects, or floods. It also covers unintentional third-party property damage or bodily injury, as well as any damages to the insured car caused by unanticipated events such as fire, theft, accidents, and man-made or natural disasters.

Personal accident insurance is also provided to the car’s owner-driver. By purchasing add-on covers, the policy’s coverage can be further enhanced.

It compensates victims of natural disasters such as cyclones, earthquakes, floods, and other natural disasters. It also protects the insured vehicle from man-made calamities such as theft, accident, intrusion, burglary, and fire.

Additional covers, such as engine protector, accessories cover, medical expenses cover, zero depreciation cover, and so on, can be added to the policy. This policy is very popular since it provides comprehensive coverage and relieves the policyholder of concern.

What is the meaning of EP in car insurance?

The engine protection cover is an add-on to a motor insurance policy that protects the engine of the insured four-wheeler in the event of a loss or damage. On payment of an additional premium, it covers the cost of repairing or replacing your automobile’s engine or/and its parts under your car insurance policy. It allows you to receive financial assistance from your auto insurance carrier if your car’s engine or parts are destroyed.

For example, during the monsoon season, your city receives significant rainfall, and an inadequate drainage system has resulted in flooding. As a result, moisture collects in your parking lot and penetrates your car’s engine, causing damage. In this case, the engine protection cover can be useful because it will cover the cost of repairing the damages to your car’s engine under your four-wheeler insurance policy.

In a nutshell, engine protection insurance covers any damage to the car’s engine or its parts caused by water intrusion, lubrication oil leakage, damage to the hydrostatic lock, and damage to engine parts such as the gearbox, crankshaft, cylinder, connecting rods, pistons, and so on.

Does full coverage insurance cover rock chips?

Rock chips are covered by automobile insurance if the insured has comprehensive coverage. Comprehensive coverage covers the cost of repairing or replacing a vehicle that has been damaged by something other than a collision, such as a natural disaster, an animal, or vandalism.

Because comprehensive insurance has a deductible, it may not be worthwhile to file a claim if the damage is minimal. A comprehensive claim, on the other hand, will have less of an impact on your future insurance premiums than a claim related to your driving behaviors, such as an at-fault accident. After all, the damage covered by comprehensive insurance is usually beyond your control.

How much is collision deductible?

In general, drivers have deductibles of $500 on average. According to WalletHub, common deductible levels include $250, $1000, and $2000. You can also choose separate deductibles for comprehensive and collision coverage. You may, for example, have a $1000 collision deductible and a $500 comprehensive deductible, or vice versa.

WalletHub utilized a same method to obtain sample Progressive collision insurance quotes over a six-month period and discovered the following averages: