Towing is generally not covered by liability-only insurance plans. You should expect to prepay for any towing, even after an accident. however, if another driver was found to be at fault for the accident, their insurance should cover damage to your vehicle and may cover towing expenses.
trailer coverage options
Most auto insurance providers offer some form of towing insurance. each company is unique in how it approaches towing coverage. You’ll want to check with your insurance company to understand exactly how they handle the trailer. Many insurers can send a truck to your location no matter where you are and take you to the nearest repair shop. Some companies will only offer a reimbursement option, which means you will have to pay for the tow and file a claim to get your money back from the insurance company. most refund clauses typically cap around $50.
Towing coverage isn’t usually included in regular full coverage plans, so you’ll need to apply if you want it to be part of your policy.
When purchasing towing coverage, be sure to ask about the plan’s limitations and if it’s a reimbursement policy. If your insurance provider doesn’t offer roadside assistance that can be used anytime, anywhere, it may be worth looking elsewhere for coverage.
roadside assistance can help you get your broken-down car back on the road or to a nearby mechanic. this plan is cheap and offered by many insurers. no matter how reliable your car is, it’s possible to get stuck on the side of the road. Although roadside assistance is not free, it is often very cheap and can save you money in the long run.
These are the most common events covered by roadside assistance according to coverage.com:
- Tire Change: Whether you’re uncomfortable changing a tire yourself or don’t have the tools to do it on the road, this coverage will send a technician who will change your tire with a spare or repair the tire. leak completely.
- Dead Battery: If your battery is dead or dead and needs to be replaced, a technician will be there to start your car or replace the battery so you can be on your way.</li
- Refuel: Yes you’ve run out of gas and can’t get to a nearby gas station, a specialist will deliver the fuel directly to your vehicle.
- Locksmith: This coverage allows the use of a locksmith if you have been locked out of your car. some companies charge extra for the use of a locksmith.
- towing: if a specialist can’t get your car back on the road, don’t worry, with roadside assistance you’ll be covered for towing up to a limit . once you’ve reached your mileage limit for towing, you’ll need to pay out of pocket.
Filing a claim is simple and easy with roadside assistance. using your provider’s app or calling them, you’ll get help right away.
what if it’s not my fault?
According to carinsurance101, if you’re not covered for towing and labor or roadside assistance, your insurance probably won’t pay for towing after your car breaks down. although if you are in a traffic accident caused by another motorist and your vehicle cannot be driven, your towing expenses will most likely be covered by the at-fault driver’s liability insurance.
then, because another driver caused an accident that caused damage to your car, your insurance will cover your towing to the nearest auto body shop. You’ll need to pick up your vehicle as soon as possible to avoid being charged for a longer-than-necessary stay at the tow yard. the at-fault driver’s insurance will cover the first tow, but that coverage does not apply to these types of rates.
How do I find my vehicle that has been towed?
There are two ways to tow your car. the most common form is when the car owner specifically requests a tow truck to move the vehicle with the expectation of retrieving it at a later date. the other way is when a police officer decides that a vehicle at the scene of an accident needs to be towed, either to get it off the road or to protect others in the vehicle.
If you contacted the towing company, you should request their address and stored vehicle information. If an officer towed the vehicle, he or she should contact the local police department for information about your damaged vehicle. if you were transported to a hospital or medical facility when the vehicle was being towed, you should contact the police department of the city in which the accident occurred, by signature.
what happens to my vehicle if I can’t pay the fees?
Although holding times vary between companies, according to Siegfried and Jensen, most towing shops hold a vehicle anywhere from 20 days to three months before attempting to impound it. the towing yard will contact the city for permission to take possession of the vehicle. eventually, the city will give the company title to the vehicle and the car will be salvaged. the car is then weighed and taken to a junkyard. in some cases, the vehicle is auctioned off.
If you cannot pay the towing price, the towing company cannot legally return your vehicle. In most cases, it will take a long time to raise enough money to pay the fees. With that said, it’s always better to take care of towing fees rather than auction your car or have it scrapped.
Across the country, all major insurance providers offer towing coverage. roadside assistance is an inexpensive option that could ultimately save you money. Quotes are instant, easy and free, so go online and ask your insurance company about your towing and roadside assistance options today.
Check this out if you need additional information, resources, or guidance on auto insurance.
Does car insurance cover repairs?
everything you need to know about buying auto insurance
Does auto insurance cover towing?
Will my auto insurance cover towing charges?
towing after an accident
vehicle towed after accident | what you need to know about towing and storage fees