can you have towing without collision in the state of Mass?

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Asked June 2, 2017

1 Answer

Auto insurance companies can often make coverages on vehicles appear to very black and white. Especially, in the way they are presented to the customer. This presentation usually comes in two versions:

1. You may have heard your insurance provider say, "The great thing about having full coverage (which means having comprehensive and collision) is that it also comes with emergency road service or ERS: which includes tows, jump starts, lockouts, and tire changes".

2. Or may have told your insurance provider that you want to switch from full coverage to liability and heard this response: "That's not a problem, I can make the changes for you. However, I want you to know that putting liability on your vehicle will also remove the emergency road service.”

While neither response is technically a lie, it allows customers to believe they must decide between one or the other. Here's the truth: Yes. You can have towing on your vehicle without having collision. Many policyholders started to complain about not having towing (ERS) coverage. So, in efforts to provide customer satisfaction and to retain policyholders, most insurance companies offer Emergency Road Service as long as the vehicle carries at least comprehensive (protects vehicles from acts of nature, theft, and animals) coverage. This type of policy is called the Comp/ERS package or the “in between” coverage (named due to the compromise between liability or full). The positive advantage with Comp/ERS package is that it is affordable! Policyholders usually only see several dollars difference with adding comprehensive to the policy. Understand that having this coverage, has nothing to do with the state of Massachusetts. This package is based solely at the discretion of the insurance provider. However, don’t fret! Majority of companies such as: GEICO, State Farm, Allstate, Progressive, Liberty Mutual and many more offer this package!

Answered June 5, 2017 by ailee44

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