I also have road coverage {why isn't it included with new cars?} through Discount Tires {which may be American Tires in some areas}.
One thing I've learned, don't pull it out!!! I go as quickly as I can to the shop.
And, like you, katiesue, driving through construction areas always does me in. Or, the Hubby when he is driving my car!!!
{4WD and he likes to use it...go figure}