Esurance Tow and Labor Program Overview
Esurance Tow and Labor Program Overview
Esurance Tow and Labor Program Overview
Description
This is the Esurance Tow and Labor Program Overview
Details
Table of Contents
Partner Information
o Insurance for the Modern World (TM)
o Who We Are
o What We Do
o Educating Customers On Insurance
o Keeping It Green
o What We Value
o Esurance's Core Values
o Esurance is an Allstate Company!
o What You Can Expect From Esurance
o Esurance Current Marketing
o Insurance Shouldn't Be Painful
o Esurance is an Allstate Company
Program Overview
o Geographical Coverage
o Customer Identification
o Phone Numbers/LCD Read Outs
o Greeting
o IVR Scripts
Benefits and Services
o Towing
o Jump Start
o Tire Change
o Fuel/Fluid Delivery
o Lockout
o Winching
o Coverage Area
o Coverage Vehicle
o Claims
o Reimbursements
o Restricted Roadway
o Rental Car
Phone Numbers and LCDs
o Tow and Labor Transfer Numbers
Dispatch System Procedures
Other Procedures
o Damage Complaints
o Partner Procedures
o Esurance Secondary Vehicle Services
o Escalation Procedures
o Esurance On Demand
Partner Information
Please click on the following link to review Esurance Website "About Us" company
profile: https://www.esurance.com/company/about-us
Use our Coverage Counselor® to help you figure out the coverages that are right for you. File a claim
(and send pics of the accident) from your smartphone with Esurance Mobile. Call anytime — and by that
we mean anytime — to talk to a friendly expert about discounts. Do what you need to do, when you need
to do it. And do it with ease.
Who We Are
Through our innovative online and mobile tools and 24/7 customer service, Esurance lets you manage
your car insurance virtually anywhere, anytime.
Today, we're one of the top names in online auto insurance, offering coverage to nearly 90 percent of the
population.
We strive to offer consumers affordable rates and great savings, as well as convenience and high-quality
service. You can call 1-800-ESURANCE (1-800-378-7262) to speak with one of our helpful experts
anytime, or log into your account directly to make payments, print ID cards, or adjust your policy. You
can also take care of business on the go with Esurance Mobile.
At Esurance, we're always looking for more ways to improve your experience. From online repair
monitoring to real-life and virtual coverage counselors, our goal is to make car insurance as hassle-free as
possible.
What We Do
Car insurance and more!
Esurance began selling online car insurance policies in 1999. Drivers caught on fast, and our convenient,
reliable car insurance coverage is now available in 31 states.
As our company grew, we decided to branch out beyond car insurance to include the following insurance
products:
Homeowner insurance
Renters insurance
Health insurance
Life insurance
Motorcycle insurance
Educating Customers On Insurance
Still, we're about more than just selling insurance policies. At Esurance, we pride ourselves on being a
company that supports both the consumer and the environment.
While our customers can manage their policies online at their convenience, they can also call our 24/7
customer service center with questions about their insurance policies. Also, we think consumer education
is an important corporate responsibility, particularly in the confusing world of insurance.
To keep our customers informed, we answer frequently asked insurance questions and provide a glossary
of insurance-related terms. We also offer the interactive Coverage Counselor® and in-depth articles on
car insurance. Our goal is to explain insurance in plain English and highlight important topics related to
cars and drivers.
For current info on all things driver-related, visit the Esurance blog.
Keeping It Green
As for supporting the environment, Esurance maintains a claims vehicle fleet that is 100 percent hybrid.
And by choosing a paperless customer experience, our policyholders have helped save thousands upon
thousands of trees.
Whether offering affordable car insurance or championing the environment, Esurance truly believes in
saving some green!
Get a car insurance quote today to see how much you can save on your car insurance.
What We Value
Our Mission Statement.
Esurance is dedicated to being the leading provider of personal insurance products. We leverage
technology to provide a hassle-free experience for our customers.
Esurance is a leader in bringing innovation to the personal lines insurance industry. We strive to exceed
our customers' expectations by providing competitively priced insurance products and high-quality
service.
Since our customers may need us at any time, day or night, we're committed to being available 24 hours a
day, 7 days a week
We are honest with our customers, our partners, our owners, and ourselves.
We value our customers and are deeply committed to safeguarding their information.
We take responsibility for our attitudes, actions, and judgments.
We are action-oriented, constantly striving to deliver results.
We work as a team and empower our associates to achieve excellence.
We are dedicated to continually improving our products, our operations, and our customers'
satisfaction.
We value a fact-based, information-rich decision-making process.
At Esurance, we're always looking for new ways to improve the car insurance experience. One way we do
that is by providing clear, jargon-free info on coverages and cutting-edge tools that allow you to manage
your policy, report claims, and track repairs. Plus, you can do the things you need to do online, over the
phone, or via mobile. It's all part of being insurance for the modern world.
Our goal is to provide you with the info you need to get the protection you want at a price you can afford.
Now, with Allstate as our owner, you can have even greater confidence in your selection of Esurance.
Our Owner
Allstate is the nation's largest publicly held personal lines insurer. In business for more than 80 years, this
Fortune 100 company has total assets exceeding $130 billion and an A.M. Best financial strength ranking
of "Superior" (A+).
Esurance continues to offer the same great prices, superb support, innovative tools, and vital info. Now,
we just do it with the backing of a longstanding industry leader committed to helping us continue to
evolve your car insurance experience.
Program Overview
Geographical Coverage
ARS (Allstate Roadside Services) will provide Emergency Roadside Assistance in all 50 United States
and the 10 provinces of Canada.
Customer Identification
Policy Number
The Policy Numbers contain 4-digit ALPHA character prefix, followed by 9-numeric digits, for a total of
13 characters. The 4 digit ALPHA character will consist of PA (Personal Auto) or MC (Motorcycle) plus
the state code for personal auto, while the 9-digits is the policy number.
Note: Nine digits are unique; ARS can search by just the nine digits. However, use caution with
Motorcycle – may create duplication issues between Auto and Motorcycle
If the customer only provides a 7 digit policy number, insert two zeros in front of the policy
number.
Emergency Road Service (ERS) calls come directly into the call center Rescue Associates (RAs). These
calls do not go through the Vail system.
After the Greeting, ask the caller for the policy number.
If the policy number is not found, RAs can search by these additional ways:
If the record is still not located using any of these search methods, the RA must get a verification of
coverage from the LRU (Esurance's Loss Recovery Unit).
The LRU team member will "Authorize" or "Deny" ERS coverage after completing the
verification process
RA returns to the customer and either dispatches or offers PPU, based on the LRU's decision.
Auto: 877-508-4131
Motorcycle: 877-687-2067
Greeting
"Good Morning/Afternoon/Evening. This is [your name].
How can I assist you today?
Are you Safe? Are you in a safe location?
May I have your name and callback number in case I need to reach you?"
IVR Scripts
When an policyholder dials the Esurance Emergency Road Service phone number, the IVR prompts are
as follows:
Greeting
Thank you for calling Esurance Roadside Assistance. Please listen closely to the following 3
options before making your selection.
If you are calling for the first time, and your vehicle is currently disabled requiring roadside
service, please press 1.
o Call routes to the Call Center for dispatch.
If you are calling to check on the status of an earlier service request, please press 2.
o Call routes to the Call Center for recall processing.
For inquiries regarding reimbursement requests that have already been submitted, please call
Esurance at 800-926-1175.
To repeat this message press 9.
Towing
The Esurance policy holder is covered up to their benefit limit of $75 ($100 in NC)
Towing Overmileage
Omni system will identify overmileage and the Customer will pay ARS directly for the overmileage by
major credit card at time of dispatch.
The cost of tolls on a toll road or bridge are included in the benefit limit. The Customer should not be
paying for tolls.
Accidents
If the insured is calling for a tow and has been involved in an accident, warm transfer the customer call to
the Esurance Accident team at 877-977-7024.
CAUTION: It is extremely important that RA is able to identify when customer has been involved in an accident
and transfer the call to Esurance Accident Team at 877-977-7024.
Scheduled Services
We currently do not offer scheduled services. If the customer wants to set up a service for a later time,
please advise them to call us 60-90 minutes prior to set up service.
Storage
We do not pay for any storage fees.
Towing Equipment
Flat Bed
Standard Wheel Lift
Wheel Lift with Dollies
Service Providers
The initial search for the Service Provider is in the following order:
Vandalism
Towing due to vandalism is not covered.
Jump Start
Auto Policy
Jump starts are covered under the Esurance T&L policy:
When the RA determines the vehicle needs a jump start or the Customer requests a Jump Start,
the RA will have a Service Provider attempt to jump-start the vehicle battery.
Motorcycle Policy
If the motorcycle will not start, offer a tow, up to $100.
Tire Change
Auto Policy
A Tire Change is covered by the Roadside Coverage.
When the RA determines the vehicle needs a Tire Change or the Customer requests a Tire
Change, then the RA will have a Service Provider come out to change the tire on the vehicle.
Motorcycle Policy
If a Motorcycle customer is in need of a tire change, offer a tow to the nearest service center.
Fuel/Fluid Delivery
For both Auto and Motorcycle Policies
Fuel Delivery and the cost of an Emergency Supply of fuel is covered up to the plan benefit limit.
If fuel cannot be delivered, then the vehicle can be transported to the nearest gas station or location of the
customer's choice.
Call the gas station to ensure that they are open (when applicable, confirm they have Clean
Diesel)
Go back to the Disablement screen
Remove the Service - Fuel Delivery
Select and add the Service - Tow
Select 'Gas Station' as the Disablement Drop-Off location in Omni.
Enter the gas station name and address as the Disablement Drop-Off location in Omni.
Lockout
Auto Policy
The attempt to do a lockout service to the vehicle is covered under the Roadside Coverage.
Roadside Assistance will make arrangements to send a lockout service to attempt to open the
vehicle.
If the Lockout is unsuccessful, then the vehicle can be towed to the closest branded dealership, or
other location of the customer's choice (example, home if a spare key is at home.)
Keys are Missing/Lost
The car can be towed home or to the closest branded dealership to have a key made at the owner's
expense.
Note: The customer is responsible for the over cost once their benefit limit is exhausted on the tow.
Motorcycle Policy
The attempt to do a lockout service to the vehicle is covered under the Roadside Coverage.
Tow the vehicle to the nearest capable place of repair if the key is lost or broken.
Program does not cover locksmith or replacement keys.
Winching
Auto Policy
When the vehicle can be reached safely from a normally traveled road or established thoroughfare, we
will provide Winching service to extract the vehicle from mud, sand, or a ditch with the use of one person
and one normally equipped truck, for no more than 30 minutes.
The cost of any additional equipment labor, or towing beyond the plan limit is at the member’s expense
and is not reimbursable.
NOTE: If the vehicle needs to be towed and initially needs to be winched, then this is Covered.
Motorcycle Policy
When the vehicle can be reached safely from a normally traveled road or established thoroughfare, we
will provide Winching service to extract the vehicle from mud, sand, or a ditch with the use of one person
and one normally equipped truck, for no more than 30 minutes.
Vehicle must be 100ft or less from a paved road.
The cost of any additional equipment labor, or towing beyond the plan limit is at the member’s expense
and is not reimbursable.
NOTE: If the vehicle needs to be towed and initially needs to be winched, then this is covered.
Coverage Area
The plan provides dispatch service for both Auto and Motorcycle Policies in the United States and for US
policy holders traveling in Canada.
Click on the following link to review the Canadian Dispatch process: RSA Canadian Dispatch Process
Coverage Vehicle
RAs dispatch only for motorcycles (circled in red on the chart below).
All other vehicles are to be referred to the RFM (Regional Field Manager) on duty.
Claims
Claims for Auto Policies
Click on the following link to review the Calim limit for each State: Esurance Tow and Labor State
Benefit Matrix
Note: Coverage is per 6 month policy period. Some policies written in OH might show as a 12 month
policy.
The claim limits will also be listed within the Benefits section in Omni.
Reimbursements
Beginning 3/15/2019, please use the updated reimbursement process below for Esurance Tow & Labor
calls.
(Includes auto and motorcycle events)
Esurance customers can submit a request for ERS reimbursement via fax, mail or email.
Fax: 800-641-6822
Email: LRU@esurance.com
Mail:
Inform the customer that the request must include the following documentation:
Policy Number, Customer Name, Contact Information (phone number, email address, etc.)
Receipt:
o On Provider Letterhead and/or contains Provider Information:
Name of provider
Contact information for provider
o Indicating vehicle information and type of service performed:
Year, Make, Model, VIN (optional)
Tow, lockout, jump start, etc. Once the documentation is received, a claim will
be opened and processed by an Esurance adjuster. This typically takes 24-72
hours. If the customer has additional questions on this process or a previously
submitted reimbursement request, please ask them to contact Esurance customer
service. Esurance Customer Service phone number is: 800-378-7262
Restricted Roadway
A Restricted Roadway is a road where a specific service provider (tow truck) is contracted with the
Roadway Authorities to perform all services on that roadway. ARS is not capable of contracting service
on the Restricted Roadway and does not know who is the current contracted Service Provider.
If the Customer, Service Provider, Local Authorities or the RA determine the customer is traveling on a
"Restricted Roadway", service must still be provided. The tow in this situation is in two parts.
The vehicle needs to be transported (by the Restricted Roadway Service Provider) off the
Restricted Roadway to a location where a contracted Service Provider can pick-up the vehicle and
transport to the drop off location.
The contracted Service Provider transports the vehicle to the drop off location (follow towing
parameters referenced above).
Click on the followin link to review the Restricted Roadway dispatch process: RSA Restricted Roadways
Dispatch Process
Rental Car
Rental Vehicles
Effective 10/23/18 rental vehicles are now covered by Esurance Towing & Labor.
A customer's roadside benefit transfers to the rental vehicle they are driving if roadside service is not
included or wasn't purchased for the rented vehicle.
Before providing service, ask the customer if they purchased roadside service or if it is an included
benefit for the rented vehicle.
Sample script:
“Before we can proceed with setting up service, we suggest using the roadside benefit available through
your rental company. Was roadside service purchased or is it available for the rented vehicle?”
Roadside service purchased/included – sample script: “Please contact your rental company, and
they can assist you in setting up service.”
o If the customer insists on setting up service with Esurance T & L, follow the script below
and proceed with dispatching service.
Roadside service not purchased/not included – sample script: “I would be happy to set up service
for you…”
o Proceed with dispatching service.
Auto: 877-508-4131
Motorcycle: 877-687-2067
Esurance Customer Service: 800-378-7262
Esurance LRU (Do not give out this number): 877-781-4814
See Voiance Language Services section for the site-specific pin number.
This line is to assist the CSR with non-English speaking Customers. Follow the instructions on
the Voiance Language Services.
See Voiance Language Services instructions.
Click on the following link to review the Provider Hotline Transfer process:
Provider Hotline Transfer Guidelines
Click on the following link to review the Provider Hotline IVR Prompts:
Provider Hotline IVR Prompt
Click on the following link to review Omni Training Material PPP – Reference PPU, Motorcycle, Med/Heavy Duty:
Out of Network
Click on the following link to review the Omni Out of Network process:
Recalls
Restricted Roadways
Click on the following link to review the Omni Restricted Roadways process:
Click on the following link to review the Omni Restricted Roadways process:
Other Procedures
Damage Complaints
Escalations for Tow and Labor
If the customer is requesting to speak to a supervisor:
RA should try to obtain as much information as possible to assist in de-escalating the situation
RA should involve their supervisor or team lead as appropriate
If a customer insists that they have coverage, even after the LRU team denies their eligibility, the RA
needs to inform their team lead. In turn, the team lead or supervisor will send an email to
esurance.escalations@allstate.com
Policy number
Policyholder's name
Best M-F day time contact #
Complaint/Issue
Non-Call Center Action complaints should also be entered in Omni Escalations for our Customer First
Team, or if the customer is requesting a call back to address a complaint.
RA should include the policy number, policy holder's name, best time to reach the customer, along with
their phone number, as well as the complaint.
Note: Please advise the customer that they will be contacted within five business days.
Damages
If the customer states that the provider damaged their vehicle, please provide them with the service
provider's phone number to discuss the damages.
Do not fill out a complaint in Omni as we are to redirect the customer to talk to the provider directly.
In the event of escalations, please engage your supervisor for assistance on filling out a CMT escaltion.
Partner Procedures
Customer's name
Customer's address
Vehicle Involved (Year, Make, Model), and VIN #
The customer's policy number
The date and time of the ERS event
Scripting:
"Hello, this is ____ calling from Allstate Roadside Services. We have an Esurance customer in need of
roadside assistance. I am unable to pull up their roadside coverage. Will you be able to confirm if they
have emergency roadside coverage on their policy?"
The Esurance representative will "authorize" or "deny" ERS coverage after completing the verification
process.
The ARS representative will need to document the Esurance employee's name and extension.
RA is to engage their Team Lead to over ride the PPU box when selecting non-customer.
RA is to document the Esurance employee's name and extension number and reason for the over
ride.
RA is to inform the caller that they do not have roadside assistance coverage on their policy
RA is to offer PPU to the caller as an alternative
Introduction
Click the link for the Esurance Secondary Training Document
Beginning in February of 2019 the Esurance Vehicle Assistance Service program will be available to
Esurance Claims Representatives to request roadside service for vehicles that have been involved in an
accident.
CAUTION: Esurance Secondary events are NOT handled by the Esurance Tow and Labor process. In the the
event that you receive a call where the customer has been involved in an Accident, warm transfer the call to
the Esurance Accident Team at 877-977-7024.
The vehicles will typically be located at one of the following three types of disablement scenario
locations:
Accident Scene: Vehicle is still at the location where the accident occurred. This type of scenario
is referred to as an “Accident Request”.
Customer Home (Other Customer Location): The vehicle has been moved from the scene of an
accident to a customer controlled location (i.e. Customer’s Home). This type of scenario is
referred to as a “Simple Secondary Request”.
Tow Yard/Storage/Impound Facility: Vehicle has been transported from the scene of an accident
to a tow yard, storage lot or impound lot. This type of scenario is referred to as a “Complex
Secondary Request”.
Escalation Procedures
RA should try to obtain as much information as possible to assist in de-escalating the situation
RA should involve their supervisor or team lead as appropriate
If a customer insists that they have coverage, even after the LRU team denies their eligibility, the RA
needs to inform their team lead. In turn, the team lead or supervisor will send an email
to esurance.escalations@allstate.com
If the customer wants to escalate an issue to Esurance, the RA is to take down the following information
and provide it to their team lead:
Policy number
Policyholder's name
Best M-F day time contact #
Complaint/Issue
Non-Call Center Action complaints should also be entered in Omni Escalations for our Customer First
Team, or if the customer is requesting a call back to address a complaint.
RA should include the policy number, policy holder's name, best time to reach the customer, along with
their phone number, as well as the complaint.
Note: Please advise the customer that they will be contacted within five business days.
Damages
If the customer states that the provider damaged their vehicle, please provide them with the service
provider's phone number to discuss the damages.
Do not fill out a complaint in Omni as we are to redirect the customer to talk to the provider directly.
In the event of escalations, please engage your supervisor for assistance on filling out a CMT escaltion.
Esurance On Demand
Esurance on Demand offers Pay-Per-Use roadside assistance at competitive rates to non-policyholders
and customers who have not elected for Tow and Labor coverage.