What coverage allows reimbursement for roadside labor in an auto insurance policy?

The coverage that allows reimbursement for roadside labor in an auto insurance policy is specifically referred to as the towing and labor costs endorsement. This enhancement to the standard auto insurance policy provides coverage for expenses incurred if your vehicle needs immediate repair or assistance while on the road, such as when a tire needs changing, or the vehicle runs out of gas.

Typically, this endorsement covers a limited amount of labor at the site of the breakdown, as well as costs associated with towing the vehicle to a repair facility if necessary. This coverage is particularly beneficial for drivers who frequently travel long distances or who may encounter situations where their vehicle requires emergency assistance.

The other options, such as comprehensive coverage and collision coverage, serve different purposes—comprehensive covers non-collision-related incidents like theft or weather damage, while collision coverage addresses damages incurred from accidents with other vehicles or objects. Personal injury protection is focused on medical expenses and does not cover mechanical assistance or towing costs. Thus, the towing and labor costs endorsement is the correct choice for roadside labor reimbursement in auto insurance.