Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Oct 20, 2020

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If you’ve ever found yourself stranded by the side of the road or in a mall parking lot because your car isn’t working properly, you know the fear and frustration that can cause. It magnifies if your family is with you, it’s dark and you have kids in the car.

If you happen to be a GEICO car insurance customer, you can give yourself and your family peace of mind in these situations by adding one or both coverage options they have to address this.

GEICO Emergency Road Service

GEICO offers customer its Emergency Road Service (ERS) coverage as an affordable option to your individual or family car insurance policy. With ERS, GEICO provides drivers with 24-hour, 365 days a year toll-free service. If you find yourself in need of any of the covered services, an operator/dispatcher will help assess the problem and get a service professional headed your way. ERS covers:

Roadside mechanical assistance – if the problem is minor or if you need a flat tire fixed or even a jumpstart, up to $100 of services will be automatically covered.

Emergency towing – if a problem can’t be fixed on site, ERS will provide emergency towing service to a repair facility that can fix your ride.

Emergency lockout service – if the emergency is that you locked your keys in the car, your policy can pay to have someone unlock the car for you. This service is undertaken by an authorized locksmith and includes expenses of up to $100 for labor and supplies if keys are locked in your ignition or trunk, or if a key breaks off in the ignition or trunk.

Reimbursement – if you have ERS coverage and for some reason can’t be connected to a covered service provider, requiring you to pay out-of-pocket for service, you can submit the original copy of the road service bill (including your policy number) and GEICO will reimburse you.

Affordable coverage

Most folks believe that they have to pay a steep premium for good roadside assistance. This belief stems from the fact that some of the nation’s well-known roadside assistance programs require membership in an auto club or trade association of some kind, requiring steep annual or monthly dues. GEICO offers customers full ERS coverage add-ons for as little as $14 each year, per car. For a two-car family (or even a family with kids headed to college with a car) this is a remarkable bargain. (Not all states allow this full coverage or these rates, so be sure to consult with your GEICO representative for what’s allowable and available in your state.)

old broken down vehicle