Will your car insurance cover you if you need to be towed or recovered?

It’s important to understand where you stand regarding car insurance and if it will cover the towing costs. Unfortunately, depending on where you have an accident, the distance you need to be towed can be quite substantial. Unfortunately, it’s not often that our cars break down in a convenient location!

The following article will look closely at what you need to know about your insurance policy. Also, whether or not your insurance covers car towing or recovery. We’ll also look at some of the other things your car insurance may or may not cover as part of your policy.

If you have been involved in any automotive accident in Eagle County or Summit County, Colorado, Mountain Recovery is only a phone call away at 970-476-1124. We operate 24/7, 365-days a year, to keep you moving and help get your vehicle back on the road.

What You Need to Know About Car Insurance

  • Most car insurance plans include roadside assistance. However, it may be an optional extra that you need to purchase.
  • Some car insurance companies offer standalone plans that have different price structures.
  • A lot of insurance companies will cover gas, tire changes, and lock services if you run out of gas, get a flat tire, or lock your keys in your car.

It can be a nightmare when your car breaks down or you’re involved in an accident. Breakdowns and accidents never happen in a convenient location or at a convenient time. Regardless of how well-maintained your car is or how good of a driver you are, accidents and breakdowns happen.

Does Your Car Insurance Cover Towing?

As long as you have comprehensive or collision insurance, you’ll usually be covered for towing. Many of the top car insurance companies will also typically include breakdown rescues as part of their insurance packages. This could be a standard inclusion or an optional extra, depending on the insurance company. We often get asked if roadside assistance includes towing, and the answer is yes. It’s one of the main reasons why people choose to get the roadside assistance package as part of their insurance.

A lot of car insurance companies will include roadside assistance if you choose comprehensive car insurance or collision insurance as part of your policy. Other companies offer it as a standalone product that you can purchase as an extra. It’s a great addition if you’re interested in having the peace of mind of knowing that you’re going to get that tow if you need it.

What Does Your Free Towing Insurance Usually Cover?

Along with towing your vehicle if you have a breakdown or accident, the service attendant can usually jumpstart your car if you have a flat battery. They may also be able to change a tire if you get a flat or puncture.

When you get tires fitted professionally, the tire company often uses an impact wrench to tighten the lug nuts. This can make them extremely difficult to remove. If you run out of gas, your insurance coverage will typically cover you for a few gallons of gas to get you back on the road until you can fill your car again.

How Far Will Car Insurance Cover A Tow?

Every car insurance company will have different policies regarding how far they will tow your vehicle after an accident or breakdown. For example, a towing company could tow you up to 20 miles from the recovery location with most standard policies or up to 100 miles if you are considered a ‘preferred’ client.

In some cases, your tow truck operator may be required to tow you to the nearest service center or repair facility.

Can You Choose Towing As Part of a Separate Insurance Policy?

Many car insurance companies offer roadside packages even if you don’t have an active car insurance policy with their organization. There are usually different pricing points depending on how many recoveries you need each year, repairing or replacing flat tires, etc. If you shop around, you might be able to find a bargain on roadside assistance and recovery services.

If You Pay Out of Pocket For a Tow, Can You Get Reimbursed by Your Insurance Company?

It depends on who you have purchased car insurance from. You may be able to submit a claim for reimbursement if you pay out of pocket for a tow. Simply have to attach a copy of the invoice or bill. Then, your insurance company will evaluate your claim and reimburse you according to the coverage limit on your policy, if applicable.

It’s essential to read the fine print on your insurance policy. Check the details to know whether or not you can get reimbursed, how much you can reimburse, and what procedures you need to follow to get reimbursed.

Does Your Car Insurance Cover Lockouts?

There’s nothing more frustrating than being locked out of your vehicle with the keys just stuck inside. However, there’s nothing you can do about it. Talk about annoying! If you lock your keys in your car, check the fine print on your insurance policy. See if it will cover roadside assistance, such as locksmith services.

What Other Benefits Does Car Insurance Typically Include?

You’d be surprised what your insurance covers! For example, car insurance may include trip interruption when you break down a certain distance from your house or property. This insurance is typically a set amount of money to help with meals, accommodation, or alternative travel costs.

Will Car Insurance Cover a Tow Truck After An Accident?

If you’re unfortunate enough to be involved in a car accident, contact your insurance company on their 24/7 emergency hotline. They should be able to help you to arrange a tow truck to help recover your vehicle. This cost might be included as part of your insurance claim if the accident was deemed to be the other driver’s fault.

When You Need A Tow

Most insurance policies will cover the costs if your vehicle breaks down or you’re involved in an accident. However, you need to ensure that the policy you choose includes the right level of coverage. Also, if your insurance doesn’t include towing, then you may be able to purchase it separately from another company. Top of Form

If you have been involved in any automotive accident in Eagle County or Summit County, Colorado, Mountain Recovery is only a phone call away at 970-476-1124. We operate 24/7, 365-days a year, to keep you moving and help get your vehicle back on the road.