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#InsuranceHorrorStories Day 3: Why Don’t They Ever Have Roadside Assistance?!

You’ve just filled up the gas tank, had the oil changed, paid for the whole premium tune-up and even cleaned out the sticky cup holders in the backseat! Yet when you’re being chased in the dark by an unseen killer, your car will undoubtedly never start. Just look at The Texas Chainsaw Massacre, The Hills Have Eyes, The Rocky Horror Picture Show, I Know What You Did Last Summer and our own six-second horror creation above to see some of the deadly consequences of being stranded in a stalled vehicle.

In addition to being one of the most frustrating and convenient (for the villians, at least) horror movie clichés, this popular trope also has a lot of potential to quickly turn into a real-life insurance horror story…

The worst time to have car trouble

We’ve seen it a thousand times – the protagonist’s only chance for a safe escape from danger is the car – which stalls and sputters no matter how hard they crank it, giving the killer plenty of time to plan a terrifying window scare. We wonder if Amy in Friday the 13th, Ash in The Evil Dead, Darry in Jeepers Creepers and countless other movie victims could have had a better chance of surviving their horror stories if only they’d had fast-response roadside assistance to jump their car batteries or give them a ride.

Stranded in the middle of nowhere

Janet and Brad’s experience in The Rocky Horror Picture Show certainly plays out as an insurance horror story. Instead of getting trapped at Dr. Frank-N-Furter’s door in a bizarre Time Warp, the couple could have simply called for assistance and waited out the storm in the car. Same with the five teenagers who find themselves stranded on a terrifying rural ranch in The Texas Chainsaw Massacre. Roadside assistance typically includes gas delivery, tire changes, mechanical labor, towing and more, so all of the victims in these movies could have used insurance to escape their horror stories.

Crashing into an insurance nightmare

I Know What You Did Last Summer is all about car trouble, and these teenagers are an insurance liability nightmare. Even if Barry’s BMW was covered with comprehensive auto insurance coverage – which can help cover drivers who accidentally hit a deer in the road – we doubt his coverage extends to running over an ice-pick-wielding murderer. We hope you’ll never find yourself in this type of insurance horror story.

Safety tip: You don’t have to have roadside assistance, which is always optional, to call a tow truck in an emergency. If you’re stranded on the side of the road in a dangerous location, you should certainly call either a mechanic or your non-emergency police line for assistance. However, the benefit of being covered by a smart insurance policy and roadside assistance is it helps you easily survive the horror story and the bill afterwards.

Coming Tomorrow: He’s in the House!

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