ASHFORD INSURANCE | HURST AUTO COVERAGE
Roadside assistance coverage in Hurst
A breakdown can leave you looking for a tow or a jump-start. Before you need help, find out whether your auto policy includes towing and labor, which services qualify, and how much the insurer will pay.
Request a coverage reviewKnow what towing and labor means
The Texas Department of Insurance (TDI) auto insurance guide describes towing and labor coverage as paying to tow a car that cannot be driven and for labor to change a flat tire or jump-start a battery. It is a coverage you may choose to buy, not a benefit to assume comes with every auto policy.
TDI also notes that towing and labor has a dollar limit—the most the insurer will pay even when the service costs more. The declarations page summarizes your selected coverages and limits, but the policy terms govern what is covered. Ask whether payment goes directly to a service provider or whether you submit receipts for reimbursement.
Questions to ask before a breakdown
Which services?
Confirm whether towing, flat-tire labor, and battery jump-starts are included. Ask specifically about lockouts, fuel delivery, winching, and other services; do not assume they are covered.
What limits?
Check the dollar limit and whether a distance limit, per-use cap, annual use limit, deductible, or approved-provider rule applies to your policy.
How do I get help?
Save the insurer’s roadside number, learn how service is dispatched and paid, and ask what to do if you arrange your own tow. Keep receipts if reimbursement may apply.
A roadside benefit is not the same as paying for the failed engine, replacement battery, tire, or other mechanical repair. Likewise, auto liability insurance addresses covered injuries and property damage to others when you are at fault; it does not itself fix a breakdown.
If you are stranded in Texas
Put safety first. Texas DPS advises motorists with a breakdown to park as far off the traveled roadway as possible and use hazard flashers. Follow its current travel and breakdown guidance for your situation. If there is an immediate emergency, call 911.
The Texas DPS Motorists Helpline, 1-800-525-5555, is listed for disabled vehicles or motorists stranded beside the road. It is a public safety contact, not your insurance company’s roadside line or a promise that service costs are covered.
Review your Hurst auto policy
Bring your declarations page and any roadside-assistance endorsement to a review. Ask Ashford Insurance which options may be available for your vehicle and insurer, then compare the covered services, limits, exclusions, cost, and claims procedure. Availability and terms depend on the insurer and policy; this page is general information, not a quote or guarantee of coverage.
Contact Ashford Insurance to discuss your auto coverage in Hurst.