An accident, a lockout, or a breakdown on the side of the road. Pick your scenario and follow the steps. Save this page — you'll want it when it happens.
If you can check off everything on this list right now, you're prepared for almost anything. If not, fix it this weekend.
Before you pay for AAA or a separate service, check if you already have roadside assistance through:
Your car insurance. Many policies include roadside assistance or offer it as a cheap add-on ($5-15/year). Call your insurer and ask. This typically covers towing, jump starts, lockout, and flat tires.
Your credit card. Many Visa, Mastercard, and Amex cards include free roadside assistance. Check the benefits guide for your card or call the number on the back.
Your car manufacturer. Many new cars come with 3-5 years of complimentary roadside assistance (BMW, Hyundai, Kia, Toyota, etc.). Check your owner's manual or the manufacturer's app.
Your phone plan. Some carriers offer roadside assistance add-ons for a few dollars per month.
Sources: National Highway Traffic Safety Administration (NHTSA), Insurance Information Institute (III), AAA, state DMV guidelines. Insurance and roadside assistance costs are approximate national averages (2025-2026). Always follow local laws and your specific insurance policy. This is general guidance, not legal advice.