Does Auto Insurance Pay for Fuel Delivery or Gas Replacement?

Auto insurance will not pay for fuel delivery or gas replacement, but most roadside assistance plans will. Your car insurance may pay for gas replacement if you received bad gas from a gas station or if someone sabotaged your gas tank. In these cases, you will need comprehensive auto insurance to pay for fuel delivery or gas replacement. Start comparing comprehensive auto insurance quotes with our free comparison tool below.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 12, 2020

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Car insurance protects drivers against unexpected events – like a car accident. But will car insurance pay for fuel delivery or gas replacement when you run out of gas? Or will you need to cover these costs yourself out of pocket?

Keep reading to discover everything you need to know about whether or not fuel delivery and gas replacement is covered by an ordinary car insurance plan.

Typically, Car Insurance Does Not Cover Fuel Delivery or Gas Replacement

In most situations, car insurance companies will not cover any costs related to fuel deliveries or gas replacements.

The reason is simple: car insurance is designed to protect drivers against unexpected circumstances. Running out of fuel is a preventable and predictable incident.

If you forgot to fill up your car before driving across the desert, for example, then car insurance will not cover fuel delivery or gas replacement. Unlike hail damage, vehicle theft, and other unexpected circumstances, this was a preventable incident.

Similarly, car insurance will not cover any car damage incurred by putting the wrong fuel in your car. If you put diesel into your vehicle, then car insurance will not cover the cost of draining and replacing the gas, nor will they cover any engine breakdowns that occur as a result.

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Roadside Assistance Plans Do Cover Fuel Delivery and Gas Replacement

Ordinary car insurance won’t cover fuel delivery and gas replacement. Roadside assistance plans, however, will cover these expenses.

If you’re concerned about running out of gas, getting a flat tire, or encountering other roadside issues, then a roadside assistance membership can give you valuable peace of mind.

Most insurance companies have their own roadside assistance plans. You might pay an extra $5 or $10 per month for your car insurance, for example, in exchange for adding roadside assistance to your policy.

Alternatively, third party organizations like AAA can provide roadside assistance. These plans typically cost $50 to $200 per year. They cover things like dead battery jumpstarts, flat tire changes, towing, and fuel delivery, among other roadside issues not covered by car insurance.

Most roadside assistance plans cover the delivery of the fuel – but not the cost of the fuel itself. Some of the higher-priced roadside assistance plans cover both the delivery and the fuel – although these plans rarely cover a full tank. You may receive just enough gas to get you to the nearest gas station, for example.

Situations Where Car Insurance May Cover Fuel Delivery or Gas Replacement

There are a small number of situations where your car insurance provider may cover fuel delivery or gas replacement.

If you received bad gas from a gas station, for example, and your car later breaks down on the road, then your comprehensive insurance may cover the cost of repairing any damages you incurred during the incident.

Sometimes, a gas station has a problem with its fuel pumps or fuel storage system. Every car that filled up at that gas station needs to have its fuel replaced. In this case, your comprehensive car insurance should cover the costs of repairing the damage. The gas station may also be held liable for those damages.

Alternatively, if somebody sabotaged your gas tank – say, by putting sugar in the tank – then comprehensive car insurance may cover the cost of repairing this damage. Comprehensive car insurance will cover non-accident-related vehicle damage, including damages related to theft or vandalism.

Both of the situations above are incidents that are outside of your control: they’re unexpected events. That’s why insurance will generally cover these incidents.

If you just forgot to fill up your car, however, then ordinary car insurance will not cover fuel delivery.

The situations above both require you to have comprehensive insurance. If you only have basic liability insurance, then it’s unlikely fuel delivery or gas replacement will ever be covered even if the gas problem was outside of your control.

Final Word

Ordinary car insurance policies do not cover fuel delivery or gas replacement unless you have roadside assistance bundled into your insurance policy.

The only exception is if your car receives bad fuel from a gas station, someone vandalized your fuel tank, or if the fuel problem is linked to a car accident. In this case, your comprehensive car insurance may cover the cost of repairing damage to your vehicle.

If you want to make sure you have coverage for fuel delivery and gas replacement, then add roadside assistance to your car insurance policy today – or buy a roadside assistance plan from a third party organization like AAA.

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