Is towing covered by car insurance?
Towing is covered by car insurance, as long as you have roadside assistance coverage, which also provides services for those with flat tires or who have experienced other problems that have left them stranded. If car insurance will cover towing depends on your provider. If your provider does not cover towing costs, consider getting roadside assistance coverage from another company such as AAA.
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UPDATED: Jul 16, 2021
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- You will need roadside assistance coverage to pay for towing costs
- Most liability-only policies don’t come with roadside assistance coverage
- You can find roadside assistance from other companies such as AAA
Driving can be dangerous. Your car could break down on the side of the road, you could get a flat tire, or you could even get in an accident. When these things happen, and your car is immovable, you may be wondering, “is towing covered by car insurance?
There are many things car insurance does cover, and there are many things that car insurance does not. Often, these both depend on the type of car insurance coverage you have and the company that insures you.
In order to answer the question, “Is towing covered by car insurance?” we’ll need to explore these coverages.
Keep reading below to find out if car insurance covers towing, what type of insurance includes towing, and what to do if your provider doesn’t cover towing. First, enter your ZIP code into our free comparison tool above to find affordable car insurance near you.
Will car insurance cover towing?
So, will car insurance cover towing? If you’ve had your car towed before, you’re probably already aware of how expensive it can be. On average, getting your vehicle towed can cost around $100, but depending on the distance, you could see a cost of almost $500.
Fortunately, car insurance does cover towing, provided you have roadside assistance coverage on your policy. Roadside assistance coverage helps pay for services you may need while stranded on the side of the road.
If you have a flat tire and need it changed, your insurance provider will send someone to do it for you with roadside assistance. Similarly, if you run out of gas or need a locksmith, roadside assistance coverage has your back.
So, is towing covered by car insurance? Yes, as long as you have roadside assistance. However, not every policy comes with roadside assistance. Keep reading to learn what type of policy you need to cover towing expenses.
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What type of car insurance covers towing?
Now that you know the answer to the question, “Does auto insurance cover towing?” you’re probably wondering what type of coverage you need to cover towing expenses.
Typically, roadside assistance does not come with liability-only policies. You usually have to have at least collision or comprehensive coverage in order to get roadside assistance. For the few extra dollars a month, this coverage pays for itself.
In many cases, you’ll probably have to pay out-of-pocket for the towing expenses upfront since your claim will need time to be reviewed. However, many insurance providers will reimburse you later on for the cost of the towing.
Some companies stipulate that they will only pay up to a certain distance for towing costs since most towers charge by the mile. It’s essential to check your policy to see just how much your provider is willing to cover before you call the tow truck.
What if my provider doesn’t cover towing?
Since towing is typically charged by the distance towed, sometimes you can end up with staggering towing costs. If your car insurance company doesn’t offer roadside assistance or won’t cover most of your towing expenses, you might feel out of luck.
Fortunately, other companies offer towing services for affordable monthly fees. One such example is AAA. Even if your insurance provider doesn’t offer roadside assistance, signing up with AAA will make sure you’re covered anyway.
Also, it’s a good idea to compare car insurance quotes from multiple companies to find the best deal. The Insurance Information Institute recommends you compare car insurance rates from at least three companies before you buy.
Now that we’ve answered the question, “Is towing covered under auto insurance?” start shopping today. Enter your ZIP code into our free comparison tool below to buy car insurance from providers in your area.