Car insurance does not cover towing if you have a liability-only policy, but it might if you have full coverage. Many full coverage car insurance policies will reimburse drivers for towing that results from a collision but won’t cover towing due to a mechanical issue or breakdown. If your car insurance policy doesn’t already come with protection for a trailer, you may be able to purchase additional trailer coverage. Again, any towed vehicles are not covered under the towing vehicle’s policy and need separate policies. Some insurers offer towing and labor coverage in addition to roadside assistance plans.
In a perfect world, no driver would ever find themselves stranded on the side of the road with a broken-down car. If you find yourself in need of a tow-truck ride to the nearest repair shop, you’re likely wondering how much, if any, of that tow will be covered by your car insurance. If you don’t already have towing and labor coverage, also called roadside assistance, as part of your policy then your insurance policy probably won’t cover towing. Yes, towing is typically the primary service offered by roadside assistance plans.
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In general, vehicles being towed are only covered under coastalcollisioninc.com their own insurance policy. Vehicles being towed are not typically covered by the policy of the vehicle doing the towing. Full coverage car insurance costs vary based on your driving history, vehicle type and location.
You can purchase a rider to your base policy for around $5 to $15 per car. Be sure to retrieve your car as quickly as possible from an impound lot. Depending on where your car is towed, you may only have a few days to recover your vehicle before additional fees are assessed. If you’re involved in an accident caused by another driver, the cost of towing your vehicle may be covered under the at-fault driver’s liability coverage.
Understanding Car Insurance Policies and Coverage
Instead, towing coverage reimburses you for the cost to tow your vehicle. When you call for a tow, you may need to pay the towing company first for any towing charges or labor performed. Remember to get an invoice or a receipt, as you will need to provide this to your insurance company for reimbursement.
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Get roadside assistance and trip interruption coverage
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If your vehicle is being repaired due to a covered incident, rental reimbursement coverage can help pay for a rental. Collision coverage covers repairing or replacing your car if it’s damaged in a collision with another vehicle or object, like a fence or tree. So, whether it’s a minor fender bender or a crash, this coverage can help you get back on the road without a significant financial burden. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding.
Some insurance companies may cover towing if you’re involved in a covered accident, even if you don’t carry roadside assistance coverage. If you don’t have roadside assistance as part of your car insurance, you could also consider purchasing roadside assistance from a third-party, like AAA. Third-party providers offer the same roadside services you would get by adding on to your insurance policy, but some have extra perks. AAA, for example, offers free trip-planning tools, identity theft monitoring, and thousands of shopping, entertainment, and dining discounts. In general, towing coverage reimburses you for towing expenses not related to a collision with another car. This coverage helps when your car is disabled due to a mechanical problem and needs to be brought somewhere safe, like your home or a mechanic’s shop.
Roadside assistance and towing coverage only helps reimburse you to tow your vehicle in the event of a disablement. Understanding the value of comprehensive insurance can help you make better decisions about your car insurance policy. Take the time to review your needs and be proactive in securing the coverage that best protects your vehicle and financial well-being. But what if the deer also collided with your car, causing additional damage? This coverage would pay for the repairs needed due to the animal collision, ensuring you’re not left with a hefty bill for damages caused by an unexpected event.
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- If you have roadside assistance or towing and labor coverage as part of your policy, towing is covered.
- By adjusting your policy limits and carefully assessing how much insurance you actually need, you can bundle roadside assistance with even the cheapest full coverage car insurance policy.
- This coverage would pay for the repairs needed due to the animal collision, ensuring you’re not left with a hefty bill for damages caused by an unexpected event.
- On your policy, towing and labor coverage may have been replaced by Roadside Assistance.
- It covers damage to your vehicle caused by things other than collisions, including theft, fire, vandalism and natural disasters.
- Although it depends largely on the insurance company, full coverage typically covers the driver, their passengers, their vehicle and damage or injuries they cause others in an accident.
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For example, say you’re towing your sedan with your pickup truck and you have comprehensive and collision coverage on each of those vehicles. If any damage happens to your sedan while it is being towed, the policy covering the sedan will cover damage to it. If any damage happens to your truck, your truck’s policy will cover it. Optional towing coverage provides reimbursement for towing expenses from the location your vehicle stopped. Since towing companies typically charge by the mile, this coverage could help you avoid extra cost and frustration. To add towing coverage, you must first have comprehensive coverage on your policy.
Instead, your homeowners or renters policy may cover belongings damaged inside a trailer. Yes, if you have roadside assistance coverage and your car experiences a breakdown not related to an accident, you’ll file a claim to use your coverage. The same goes for trip interruption, as long as you added it to your roadside assistance coverage. Some full coverage policies only cover towing if you pay extra for roadside assistance, though. You can add it to your policy for around $5 to $15 per car, per month. If you’re planning to transport a vehicle by towing, you can’t use roadside assistance or towing coverage to do that.
