Will car insurance cover towing?

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Here's what you need to know...
  • If you have roadside assistance included in your policy, you tow will be covered
  • In the event that you need to be towed, call your agent to ensure you use the correct tow provider
  • The roadside assistance option in your plan will usually provide towing for situations like running out of gas and locking yourself out of your vehicle

Whether car insurance covers towing costs after a car accident depends on the type of insurance coverage you have. Many people think of towing as a standard policy inclusion.

It is possible that it may not be part of your insurance package. If you are not sure, it is a good idea to either read your policy or ask your agent.

Although they go over the highlights, most insurance agents recommend that you read your insurance policy after you receive it. Still, most people do not read it since they went over the terms of the policy over the phone. This mistake could cost you money down the road.

Most insurance companies give you the option of including roadside assistance in your insurance policy for an extra fee. Some people think because they have a membership with AAA, they do not need extra roadside coverage.

When you are in an accident and AAA is not an option, your insurance company will tow your vehicle provided you have 24-hour roadside coverage included in your policy.

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Does car insurance cover towing costs if I lock my keys in my car?

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Most people use this as a last resort since there are so many creative ways to unlock your car.

People have made suggestions from tennis balls that use the force of air to unlock your car to a cell phone call to someone with a spare keyless entry device. Your car insurance with roadside coverage will cover towing to your home if necessary.

Does car insurance cover towing costs if I run out of gas?

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If you invest in roadside coverage you will be covered if you run out of gas. State troopers and other road rescue operations will discourage you from repeating this practice because it places everyone in danger if you run out in a precarious place on the road.

Most roadside assistance drivers carry a little gas just to get you off the highway and to a gas station.

Does car insurance cover towing costs if I’ve been drinking and don’t want to drive?

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If your car insurance covers towing costs, it is not designed to tow you home if you have had too much to drink and cannot drive. However, this is becoming a national trend in an effort to save lives.

If you have had too much to drink, many tow truck businesses are extending their services to you.

AAA is now offering rides home to those who are celebrating the holidays and become too intoxicated to drive. Other towing businesses are following suit by offering the same to drivers who become overly intoxicated over the holiday season and Fourth of July.

At other times of the year, you are advised to park your car, and call a designated driver or take a taxi.

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Does car insurance cover towing if my car is towed by the wrong towing company?

Just like in any business, there are a few towing companies that are guilty of illegal business practices. If you are in an accident, you are advised to call your insurance company as soon as possible to notify them and receive instructions.

If you have roadside assistance as part of your car insurance policy, you will be covered in the event of an accident.

Some car insurance companies have agreements with certain towing companies who perform the insurance company’s towing services.

Here are some situations you should be aware of:

  • If this is the case, you cannot call just any towing service and expect your car insurance company to pay the cost. You must use their preferred services.
  • If you are stranded or involved in an accident, ask your insurance agent or customer service representative which company you should expect to come and assist you.
  • Some dishonest companies will see you on the road and claim they are the towing company you were expecting. Once they have transported you from point A to point B they have earned their fee, whether or not your insurance will pay for them.

Does car insurance cover towing costs if my car is stolen and vandalized?

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Unless your car insurance company has a preferred towing company, your car or truck may be in the hands of a scam artist or thief. If your car is stolen by the average car thief and vandalized, your car insurance company will pay for towing costs.

If you have personal items stolen while your car is being towed, unless you recover the items, they are covered under your car insurance policy with a roadside coverage inclusion.

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