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Car Insurance Coverage for Emergency Services

Emergency services car insurance for tough times is an important part of a policy because of the protection it offers for policy holders. But many drivers do not even really know what their policies include or do not include as far as emergency services are concerned. As insured drivers and auto owners, we need to be up to speed on our auto insurance plans and understand the coverage and the limitations for these services included in the policies so that we're prepared for emergencies as they arise.

Cost of Emergency Services

The various emergency response services that might come into play in different automotive emergencies can cost a lot of money to deploy. And the recovery of these expenses is important to the municipalities that provide the service to drivers. As a result, there are often stipulations requiring drivers to pay for them. Particularly common are local rules calling for out of town drivers to repay for the cost of fire rescue and other emergency responders. Non residents who get into accidents or other situations often are obligated to pay for these services because they are financed through local tax levies, so in essence area residents are paying the expense of accidents caused by out of town motorists. It follows that these drivers would be asked to kick in to pay for the financial cost of the emergency response.

These expenses can really add up. Fire trucks can cost motorists hundreds of dollars per hour and up, more if car fires are involved and even more if the drivers need to be extracted from the vehicle involved in the accident. For most drivers, these expenses are way more than we could manage to pay out of pocket. Of course, there is no way of predicting when an accident might happen, and no way to completely avoid costly crashes. But as drivers we can do something to protect us from the financial expenses associated with accident response. Car insurance companies can be billed for the cost of fire and EMS response, as well as towing and other services.

But many experts doubt that these costs will be covered by auto insurance companies. Car insurance collision protection covers losses to the vehicle, and liability insures against losses to other vehicles and to personal property affected by the accident. But emergency response services are a completely separate area of coverage. Towing, for example, is something that many drivers take for granted as part of their policy. They assume when there is a collision that their vehicles will be transported to the collision shop as part of their coverage. But this is not something that should be assumed.

As auto insurance policy holders, we need to be aware of what our policies include, and what they leave out. In most cases, expenses billed to drivers from local municipalities are not included in auto insurance plans. If something is not specifically listed as an exclusion from a policy, it does not mean it is included. On the contrary, as drivers we must assume that things that are not listed as being covered are not covered unless we are told otherwise.

Know Your Auto Insurance Coverage

This is just one more example illustrating the importance of knowing exactly what is covered by your auto insurance policy, and what is left as your financial responsibility. These things might not be included in the typical default or standard auto insurance plan. But that does not mean they are unavailable as a rider. Drivers who want more extensive coverage than what is offered in a standard policy need to get with their insurers and ask about any additional coverage that might be offered. Find out the specifics on things such as the expense of municipalities providing emergency response services, and see where you stand as a customer and what your insurer's view is on their responsibility. Different companies might see things differently. It is useful to get the facts and understand exactly what you are paying for when you send that premium check to your car insurance provider.

It is interesting to note that the trend toward adopting local policies of billing put of town drivers for the expense of emergency response often has not resulted in the municipalities bringing in as much revenue as they had projected. Drivers who want to know what communities around them have on the books can find out by doing some research, and they can certainly spend some time getting quotes from car insurance companies and finding out which ones have the most advantageous coverage for accident response emergency services. Get free car insurance quotes on car insurance coverage for emergency services and save money while maximizing the protection provided by your policy. Save more on your coverage and get protected.

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