State Farm dropped my road towing because I used it 3 times a year for the last 3 years, and raised price for 6 months from $68 a month to $80! Legal?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Insurance Question from Alpena, MI

Asked on 10/15/2011

State Farm dropped my road towing because I used it 3 times a year for the last 3 years, and raised price for 6 months from $68 a month to $80! Legal? State Farm dropped my road towing because I used it 3 times a year for the last 3 years, and raised the price for 6 months from $68 a month to $80! Legal? I am 63 years, and female, and drive my vehicle for pleasure, and am on a low-income basis! I pay my insurance by the month and have State Farm Insurance. I got a letter that told me I was using my road service too much, and they canceled it! They told me I was using it 3 times a year for 3 years, and this is excess of their policy! Now, today I got the bill for the new 6-month policy, and they raised it from $68 a month to $80 a month! I think they did this to punish me for what they say is excessive road service! Garages are screwing us over on high charges for gas delivery in their own cars!

Answer given on October 16, 2011

Auto insurance companies offer emergency roadside assistance services to their customers at a nominal fee presuming it will be used lightly. If the insurance company feels the service is being used excessively they do have the right to drop the roadside assistance coverage unless you can provide them with evidence that you have resolved the problem. An example is that if you had to get a jump start several times if you show you purchased a new battery, they may be willing to continue the coverage. The renewal premium does not have any connection to the dropping of the roadside assistance benefits. The losses for roadside assistance service are not able to be rated, and cannot be used as a rate adjustment for auto insurance premiums. It is probable that there was a rate change made by the insurance company recently and it affected you at the renewal. You should contact your agent to explain the rate increase for you auto insurance policy and see if there is some way you could reduce your pocket costs through the level of coverage adjustment, increased deductibles, or find additional discounts.

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