Does car insurance cover tow?

The world is not a perfect place, and driving can quickly become a dangerous experience. Without any prior warning, one can find themselves on the side of the road with a dead battery, a flat tire, or a crunched-up car after a crash. Regardless of how safe you drive and how much care you take of your vehicle, you’re likely to need Plano towing service and roadside assistance at some point in life. It’s not only due to the driving habits, but cars are unpredictable too. When something unfortunate happens, will you be prepared for it? Will your car insurance cover the towing cost?

Most auto insurance policies offer roadside assistance, known as towing, and labor coverage as an add-on as part of the policy. For example, if you have comprehensive coverage, liability insurance, plus collision.Or you’re paying for roadside assistance via a separate service, your tow-truck ride to the repair shop might be covered. While if you get into a road accident where the other driver is at fault, then the towing cost will be endured by the at-fault driver’s insurance.

What is roadside assistance, and what does it cover?

Roadside assistance, commonly known as towing and labor coverage or emergency road service coverage,is a car insurance coverage option that anyone can avail of to get help on the road. Also, collision coverage covers damage costs due to an accident irrespective of who was at fault. And comprehensive coverage that includes cover for damage from vandalism, weather events, and a diverse range of other incidents.

Even if you don’t already have the roadside assistance or towing and labor service in your insurance cover, it’s usually easy to add on. To purchase an endorsement per car, you only have to add around $5 to $15 to your base policy.

The specific towing services covered depend on your insurance carrier and the coverage plan you have. However, the cover generally includes:

  •           Towing (up to a certain distance)
  •           Jumpstart service
  •                  Flat tire change service
  •            Fuel and battery delivery service
  •            Auto lockout service

Will Insurance cover towing costs if I don’t have a roadside assistance plan?

In case you don’t have towing and labor or roadside assistance coverage, your insurance isn’t likely to cover the towing cost. However, if you get into an accident caused by another driver, in this case, the towing should be covered by the at-fault driver’s liability insurance. Liability insurance is there to cover the damage a driver causes with their vehicle.

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