Car insurance is very important. It helps pay for damages and other costs. But, does it cover towing? Let’s find out!
What is Towing?
Towing means moving a car using a tow truck. This happens when a car breaks down or is in an accident. The tow truck takes the car to a repair shop or another safe place.
Types of Car Insurance
There are different types of car insurance. Each type covers different things. Here are some common types:
- Liability Insurance: Covers damages to other people’s property.
- Collision Insurance: Covers damages to your car from a crash.
- Comprehensive Insurance: Covers non-crash damages, like theft or weather.
- Personal Injury Protection (PIP): Covers medical expenses.
- Uninsured/Underinsured Motorist Coverage: Covers costs if the other driver has no insurance.
Does Car Insurance Cover Towing?
Not all car insurance plans cover towing. It depends on your policy. Let’s look at how different types of insurance handle towing.
Liability Insurance
Liability insurance does not cover towing. It only pays for damages to other people’s property.
Collision Insurance
Collision insurance also does not cover towing. It only covers damages to your car from a crash.
Comprehensive Insurance
Comprehensive insurance might cover towing. This depends on your policy. Check with your insurance company to be sure.
Roadside Assistance
Many insurance companies offer roadside assistance. This can cover towing. Roadside assistance is an add-on to your main policy. It helps with things like:
- Towing
- Flat tires
- Battery jumps
- Lockouts
- Fuel delivery
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How to Get Towing Coverage
If you want towing coverage, you have options. Here’s how you can add it:
Option 1: Add Roadside Assistance
Call your insurance company. Ask to add roadside assistance to your policy. This will cover towing and other services.
Option 2: Buy A Separate Towing Plan
Some companies sell separate towing plans. You can buy one of these plans for extra protection.
Things to Check in Your Policy
Not all towing coverage is the same. Here are some things to check in your policy:
- Distance Limits: Some policies only cover towing within a certain distance.
- Number of Tows: Some policies limit how many times you can use towing services.
- Cost Limits: Some policies have a maximum amount they will pay for towing.
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Frequently Asked Questions
Does Car Insurance Cover Towing Fees?
Yes, many car insurance policies include towing coverage. Check your policy details to confirm.
Is Towing Covered Under Comprehensive Insurance?
Comprehensive insurance often includes towing. Review your policy or contact your insurer for specifics.
How Can I Add Towing To My Insurance?
Contact your insurance provider to add towing coverage. It may be an optional add-on.
Does Liability Insurance Include Towing?
Liability insurance typically does not cover towing. You’ll need additional coverage for towing services.
What Is Roadside Assistance?
Roadside assistance helps with towing, flat tires, and other emergencies. It can be part of your car insurance policy.
Conclusion
Car insurance can cover towing, but not always. Check your policy to see if you have towing coverage. If not, consider adding roadside assistance or buying a separate towing plan. This can save you a lot of trouble and money in the future.
Summary Table
| Type of Insurance | Does it cover towing? |
|---|---|
| Liability Insurance | No |
| Collision Insurance | No |
| Comprehensive Insurance | Maybe |
| Roadside Assistance | Yes |
FAQs
What Should I Do If My Car Breaks Down?
If your car breaks down, stay safe. Move to the side of the road. Call for help. If you have towing coverage, call your insurance company or roadside assistance provider.
How Much Does Towing Cost?
Towing costs can vary. They depend on the distance and the service provider. On average, towing costs around $75-$125 for the first 10 miles. Each extra mile can cost $2-$4.
Can I Get Towing Coverage If I Have An Old Car?
Yes, you can get towing coverage even if you have an old car. Roadside assistance plans are available for all types of cars.
Is Roadside Assistance Worth It?
Roadside assistance can be very helpful. It covers towing and other services. This can save you a lot of trouble and money.
Final Thoughts
Towing coverage can give you peace of mind. If you don’t have it, consider adding it to your policy. It’s better to be safe than sorry.
We hope this article helps you understand towing coverage. Stay safe on the road!