Does Car Insurance Cover Towing?
Car insurance is important for every driver. But what happens if your car breaks down? Will your car insurance help pay for towing? Let’s learn more about this topic in simple terms.
What Is Towing?
Towing is when a tow truck moves your car. This can happen if your car won’t start, if it has a flat tire, or if it breaks down on the road. Sometimes, your car might also need towing after an accident.
Does Car Insurance Include Towing?
Not all car insurance policies cover towing. It depends on the type of insurance you have. Here are some details:
Basic Liability Insurance:
Basic liability insurance is the minimum coverage required in many places.
This type of insurance usually does not cover towing. It only pays for damage you cause to others.
Collision and Comprehensive Insurance:
These types of insurance protect your car if it gets damaged.
However, they might not include towing unless you add extra coverage.
Roadside Assistance Coverage:
Some insurance companies offer roadside assistance as an add-on.
Roadside assistance often covers towing, as well as other services like jump-starting your car, changing a flat tire, or delivering fuel.
How to Check If Your Insurance Covers Towing
It is important to know what your car insurance includes. Here are steps to find out:
Read Your Policy:
Look at the details of your car insurance policy. It will say if towing is covered.
Call Your Insurance Company:
If you’re not sure, call your insurance company. Ask them if towing is included in your plan.
Look for Roadside Assistance:
Check if you have roadside assistance coverage. This is often where towing is included.
How Does Towing Coverage Work?
If your car insurance covers towing, here’s how it usually works:
Calling for Help:
If your car breaks down, you can call your insurance company’s roadside assistance hotline. They will send a tow truck to help you.
Reimbursement:
Some insurance companies ask you to pay for towing upfront. Then, they reimburse you later.
To get reimbursed, keep the receipt and send it to your insurance company.
Distance Limits:
Many policies have a distance limit for towing. For example, they might cover towing up to 10 or 20 miles. If the tow is longer, you may need to pay the extra cost.
What Happens If Towing Is Not Covered?
If your car insurance doesn’t cover towing, you will need to pay for it yourself. Towing costs can vary depending on how far your car needs to go. Here are some options to consider:
Auto Club Membership:
Some people join auto clubs, like AAA. These clubs offer roadside assistance, including towing, as part of their membership.
Credit Card Perks:
Some credit cards offer roadside assistance benefits. Check if your card includes this service.
Pay Per Tow:
If you don’t have towing coverage, you can pay a tow truck company directly. Be sure to ask about the cost before agreeing to the service.
Tips to Avoid Towing Problems
Here are some tips to help you avoid needing a tow:
Maintain Your Car:
Regular car maintenance can prevent breakdowns. Check your oil, tires, and battery often.
Have a Spare Tire:
Keep a spare tire and tools in your car. This way, you can change a flat tire without needing a tow.
Carry Emergency Supplies:
Keep items like jumper cables, a flashlight, and a phone charger in your car. These can help you in case of a minor problem.
Plan for Long Trips:
If you’re going on a long trip, check your insurance coverage and prepare for emergencies.
How to Add Towing to Your Insurance
If your current car insurance doesn’t include towing, you can usually add it. Here’s how:
Talk to Your Insurance Agent:
Ask your agent about adding roadside assistance or towing coverage to your policy.
Compare Costs:
Adding towing coverage is often affordable. Compare the cost to paying for a tow yourself.
Understand the Coverage:
Make sure you know what the towing coverage includes, such as distance limits and services provided.
Conclusion
Towing can be expensive, but car insurance might help if you have the right coverage. Check your policy, ask questions, and consider adding roadside assistance if it’s not included. Being prepared can save you money and stress if your car breaks down. Always remember, good planning and regular car care can help you avoid towing problems altogether.