Towing and Insurance: Understanding Coverage and Claims

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Towing and Insurance: Understanding Coverage and Claims

Posted By Jason Hathaway     September 27, 2023    


Towing is a service that often becomes a necessity for vehicle owners, especially during unforeseen breakdowns or accidents. Understanding how insurance covers towing and what to expect in terms of claims is crucial for every driver. In this article, we'll delve into the relationship between towing and insurance, helping you comprehend the coverage and navigate the claims process.

1. Types of Towing Coverage

Insurance policies typically offer different types of towing coverage. It's essential to know what each type entails to choose the coverage that best suits your needs:

a) Roadside Assistance Coverage:

Roadside assistance coverage usually includes towing services, along with other benefits like fuel delivery, lockout assistance, jump-starts, and flat tire repair. This type of coverage is beneficial for minor incidents that leave your vehicle immobile.

b) Towing and Labor Coverage:

Towing and labor coverage is often an add-on to your standard auto insurance policy. It covers the cost of towing your vehicle to a repair shop or another location where it can be fixed. It may also cover the labor costs for services provided at the location.

c) Emergency Road Service Coverage:

Emergency road service coverage is similar to towing and labor coverage but may be more extensive. It typically covers emergency services like towing, flat tire repair, battery jump-starts, and more.

d) Motor Club Membership:

Motor club memberships, such as AAA (American Automobile Association), provide a range of services including towing. These memberships often include additional benefits like discounts on rentals, trip interruption coverage, and travel assistance.

2. Towing Limits and Conditions

It's vital to be aware of the limits and conditions of your towing coverage. These can include:

  • Distance Limit: Some policies have a maximum distance or cost limit for towing services. If the tow exceeds this limit, you may need to cover the additional expenses.

  • Preferred Towing Providers: Some insurance companies work with preferred towing providers. If you use one of these providers, your insurance may cover the entire towing cost. If you choose a non-preferred provider, you may have to pay upfront and file for reimbursement.

  • Towing Reason: The reason for towing can also affect coverage. Accidents, breakdowns, or other covered incidents will usually be fully covered, while non-covered incidents might not be.

3. Filing a Towing Claim

In the unfortunate event that you need to use your towing coverage, understanding how to file a claim is crucial. Here are the general steps to follow:

a) Contact Your Insurance Company:

Call your insurance company's claims department as soon as possible to report the need for towing. Provide all necessary details about the incident.

b) Follow Instructions:

Follow the instructions provided by the claims representative. They will guide you on how to proceed, which may involve arranging the towing service through their preferred provider or providing guidance on using a non-preferred provider.

c) Keep Receipts and Documentation:

Keep all receipts and documentation related to the towing service. This includes the towing company's invoice, detailing the services provided and the total cost.

d) Submit the Claim:

Submit the necessary documents, receipts, and any other requested information to the claims department. Ensure you provide accurate and complete details to facilitate the claims process.

4. Towing and Your Premiums

Using your towing coverage typically does not directly impact your insurance premiums. Towing claims are usually classified as non-chargeable incidents, meaning they are not considered when calculating your premium rates. However, repeated claims and a history of utilizing towing services frequently might still affect your insurance rates indirectly by suggesting a higher risk profile.

5. Considerations and Tips

  • Review Your Policy: Periodically review your insurance policy to understand the extent of your towing coverage and any limitations.

  • Preferred Providers: Whenever possible, opt for towing services from providers recommended or approved by your insurance company to simplify the claims process.

  • Understand Costs: Be aware of any potential out-of-pocket expenses related to towing services and ensure you're comfortable with these costs.

  • Regular Maintenance: Proper vehicle maintenance can reduce the likelihood of breakdowns and the need for towing, ultimately minimizing the frequency of claims.

  • Communication is Key: Communicate with your insurance company and towing service providers promptly and clearly to ensure a smooth process during emergencies.


Understanding your insurance coverage for towing and knowing how to navigate the claims process is essential for every vehicle owner. It gives you peace of mind in knowing that assistance is available when needed and that you can manage the process efficiently. Familiarize yourself with your policy, the types of towing coverage available, and the steps to follow for a towing claim to make the best use of this important aspect of your insurance.