{"id":45417,"date":"2024-05-22T09:44:13","date_gmt":"2024-05-22T13:44:13","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=45417"},"modified":"2025-02-04T11:12:13","modified_gmt":"2025-02-04T16:12:13","slug":"does-car-insurance-cover-towing","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/does-car-insurance-cover-towing","title":{"rendered":"Does car insurance cover towing?"},"content":{"rendered":"\n<p>Sometimes, you have no choice but to call for a tow. If your vehicle is disabled and needs to be towed to a mechanic, your car insurance may cover towing costs. Here\u2019s what you need to know and which coverage you need for your car insurance to cover towing.<\/p>\n\n\n\n<a id=\"back-to-top\"><\/a>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#towing\">Towing coverage in car insurance<\/a><\/span><\/li ><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#necessary\">Is towing coverage necessary?<\/a><\/span><\/li ><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#scenarios\">Scenarios where towing is covered<\/a><\/span><\/li ><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#services\">Tow truck services and insurance<\/a><\/span><\/li ><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#check\">How to check if your policy covers towing<\/a><\/span><\/li ><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#adding\">Adding towing coverage to your policy<\/a><\/span><\/li ><\/ul><\/div>\n\n\n\n<a id=\"towing\"><\/a><h2 style=\"margin-bottom:0px;\">Towing coverage in car insurance<\/h2>\n\n\n\n<p>Towing coverage is typically an additional coverage you can purchase on top of comprehensive coverage. Comprehensive coverage is an optional insurance coverage that pays for damage to your car not related to a collision.<\/p>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Comprehensive Coverage<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#FF7826; padding-left: 10px;\"><span style=\"color:#000; display:block;\">Natural disasters and storms<\/span><\/li><li style=\"color:#FF7826; padding-left: 10px;\"><span style=\"color:#000; display:block;\">Fires<\/span><\/li><li style=\"color:#FF7826; padding-left: 10px;\"><span style=\"color:#000; display:block;\">Theft<\/span><\/li><li style=\"color:#FF7826; padding-left: 10px;\"><span style=\"color:#000; display:block;\">Vandalism<\/span><\/li><li style=\"color:#FF7826; padding-left: 10px;\"><span style=\"color:#000; display:block;\">Damage caused by animals<\/span><\/li><\/ul><\/div>\n\n\n\n<p>Just comprehensive coverage by itself may not cover towing costs- you may need additional towing or roadside assistance coverage.<\/p>\n\n\n\n<p>Towing coverage typically pays up to the limit you have selected for the cost of towing your car to a repair shop when it is undrivable. Roadside assistance may include towing coverage, but this can vary between insurance carriers.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"necessary\"><\/a><h2 style=\"margin-bottom:0px;\">Tow truck services and insurance<\/h2>\n\n\n\n<p>While insurance policies do not require towing coverage, it can provide invaluable protection and peace of mind in the event of a breakdown or roadside emergency. Here some situations where carrying towing coverage can be a good idea:<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>New Car<\/strong><\/h3>\n\n\n\n<p>Many newer vehicles do not include a spare tire in the trunk. Even if you do have a spare, towing or roadside assistance can help change your tire or provide other helpful services.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Frequent Driver<\/strong><\/h3>\n\n\n\n<p>If you drive long distances on a regular basis, towing coverage can be essential. Longer trips increase the risk of encountering roadside emergencies.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"scenarios\"><\/a><h2 style=\"margin-bottom:0px;\">Scenarios where towing is covered<\/h2>\n\n\n\n<p>In general, towing coverage reimburses you for towing expenses not related to a collision with another car. This coverage helps when your car is disabled due to a mechanical problem and needs to be brought somewhere safe, like your home or a mechanic\u2019s shop. The exact scenarios where towing is covered will vary depending on your insurance policy. Check your policy documents, or ask your agent or insurance company for specifics.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Situations Not Covered<\/strong><\/h3>\n\n\n\n<p>The most common situation for towing to not be covered is if you don\u2019t have towing coverage. Without this coverage, any towing costs will have to be paid out of pocket.<\/p>\n\n\n\n<p>Your car must be accessible in order to be towed. If your car is stuck in snow, mud, water or sand, the tow truck itself may not be able to access it. A tow truck also may not be able to help if you\u2019re far from a public road or highway, or on an unmaintained or otherwise impassable road.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"services\"><\/a><h2 style=\"margin-bottom:0px;\">Tow truck services and insurance<\/h2>\n\n\n\n<p>Your insurance company likely does not operate their own fleet of tow trucks. Instead, towing coverage reimburses you for the cost to tow your vehicle. When you call for a tow, you may need to pay the towing company first for any towing charges or labor performed. Remember to get an invoice or a receipt, as you will need to provide this to your insurance company for reimbursement. Then, file a claim with your insurance company.<\/p>\n\n\n\n<p>At Plymouth Rock, we make it easy to get towing assistance with our <a href=\"https:\/\/www.plymouthrock.com\/customer-service\/roadside-assistance\">24-hour roadside assistance coverage<\/a>. No matter the time or your location in the United States, a quick call will bring you towing assistance, flat tire assistance, locked-out service, emergency fluid delivery, battery service, or concierge service.<sup>*<\/sup><\/p>\n\n\n\n<p>If your car is disabled due to a mechanical breakdown or for a reason other than an accident, it will be towed to the closest dealer or authorized repair facility of your choice within 25 miles, with no out-of-pocket expense.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"check\"><\/a><h2 style=\"margin-bottom:0px;\">How to check if your policy covers towing<\/h2>\n\n\n\n<p>To see if you have towing coverage, check your policy documents or ask your insurance company or agent. The exact limitations and exclusions will depend on the terms of each policy and may differ between insurance carriers.<\/p>\n\n\n\n<p>If you are a member of a motor club that offers a roadside assistance program, you most likely already have coverage for towing included with your membership. It might be redundant to get towing coverage on your car insurance policy if you are already a motor club member.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"adding\"><\/a><h2 style=\"margin-bottom:0px;\">Adding towing coverage to your policy<\/h2>\n\n\n\n<p>Adding towing coverage to your policy can provide valuable peace of mind when you\u2019re on the road. It\u2019s reassuring to have a safety net in case something unexpected happens. Give us a call today and drive assured that you&#8217;ll get top notch coverage and even better service with Plymouth Rock!<\/p>\n\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"36610\" class=\"elementor elementor-36610\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee649ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee649ab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c502b6\" data-id=\"4c502b6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21697f5 post-margins post-link-class elementor-widget elementor-widget-html\" data-id=\"21697f5\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p style=\"margin-bottom: 0px;\"><strong>Now let\u2019s talk about you<\/strong><br \/>\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at <a href=\"tel:1-800-516-9242\">800-516-9242<\/a> or speak to a <a href=\"https:\/\/www.plymouthrock.com\/find-an-agent\">local agent<\/a>. \n<br \/><br \/>\nIf you\u2019d rather not talk, you can <a href=\"https:\/\/buy.plymouthrock.com\/esales\/entry\/start?PLF_Code=HIPT&amp;iRefid=Website&amp;iRefclickid=Copy_Link\">get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<p style=\"font-size:10px; margin-top:15px;\"><sup>*<\/sup>Certain restrictions and limitations apply. Refer to the language issued in your policy or speak with your agent for complete details.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If your vehicle is disabled and needs to be towed, your car insurance may cover the towing costs.<\/p>\n","protected":false},"author":6,"featured_media":45418,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[79,83,80,81,82,84],"class_list":["post-45417","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto","state-ct","state-ma","state-nh","state-nj","state-ny","state-pa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does Car 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