Car Insurance Tips: What to do if your car suddenly stops in the middle of the road. Should we call towing or service center or will insurance help? Know what is the right way.

You are going on a highway or on a city road in your car. Everything is going well and suddenly your car stops in the middle of the road. And you are trying to start the car again. But the car is not starting.

If the car suddenly stops on the road, then the question comes to mind what to do now. Many people get scared in such a situation. Normally people start looking for towing service. So some call the car service center directly. But many people have a question in their mind that whether insurance claim can be received in such a situation.

Let us tell you that car insurance is not only for accident or theft. Nowadays many insurance plans provide such benefits which are also useful in case of sudden stopping of the car on the road. But all this depends on the terms of the policy.

Some companies provide you facilities like breakdown assistance or on-spot repair. If you have taken that cover, then you can get an immediate insurance claim right there. But first you have to check whether it is in your policy or not.

To find out, check your policy documents. There will be a section called Roadside Assistance or 'RSA'. If this add-on is taken, then you can also get help of towing, on-site mechanic, and fuel supply. Without paying any extra money.

But if your car breaks down due to any internal fault or part failure, then its cost is not covered in regular insurance. There are special add-ons to cover problems like engine failure, battery drain or gearbox, such as engine protect, zero dep or consumables cover.

These come in handy when the problem is big and the repair cost is huge. Therefore, pay special attention to all these things while taking car insurance. So that you will not have to face any problem in such situations.