Unexpected car troubles can happen at any time, leaving drivers wondering if their car insurance covers the cost of towing. Knowing what’s included in your car insurance policy can make a big difference when you’re stuck on the side of the road. Let’s break down when towing is covered by insurance, and what options are available to get you back on the road smoothly.
Types of Car Insurance That May Cover Towing
Car insurance policies vary, and not all of them include towing. Here are the main types of coverage that may help:
Roadside Assistance:
Many insurance providers offer roadside assistance as an optional add-on. This coverage includes towing services, typically to the nearest repair shop. If you have this add-on, you’re likely covered for towing, as well as other services like battery jump-starts and flat tire changes.
Comprehensive and Collision Coverage:
In some cases, if your car is damaged in an accident or by incidents covered under your comprehensive or collision policy, towing may be covered as part of the claim. However, this usually only applies when towing is required due to a specific covered event.
Basic Liability Insurance:
Standard liability insurance, which is required by law in most states, doesn’t cover towing. This coverage only pays for damages you may cause to others and their property but doesn’t cover your own vehicle’s towing needs.
Key Factors Affecting Towing Coverage
Whether towing is covered often depends on your specific policy, your insurance provider, and state regulations. Here are some important factors to consider:
- Policy Details: If towing is essential for you, check if you have roadside assistance as part of your plan. If not, it’s an affordable add-on with most insurers.
- Insurance Company: Each insurance company structures its coverage differently. Some may include towing with comprehensive plans, while others only offer it as an add-on.
- State Requirements: Some states have specific rules regarding towing coverage, especially after accidents. Checking local regulations can help you understand if your policy aligns with state guidelines.
What to Do When You Need a Tow
- Review Your Coverage: Before calling a tow truck, verify if your insurance covers the cost. You can do this by checking your policy details or contacting your insurer.
- Contact Roadside Assistance: If you have roadside assistance, use this service first. They’ll dispatch a towing provider and may even have preferred rates or free coverage based on your plan.
- Document the Situation: Take photos and record any information about the incident, as this can be helpful if you need to submit a claim.
Final Thoughts
Towing coverage isn’t automatic with all car insurance policies, so it’s essential to understand what’s included in yours. Adding roadside assistance can be a simple way to ensure you’re covered in case of an emergency.
At TowSquad, we offer reliable towing and roadside services to help get you out of tough situations. Whether you’re dealing with a flat tire, dead battery, or need a tow, our team is just a call away to get you back on the road quickly!
