Towing Insurance: What You Need to Know

Car breakdowns and accidents can happen anytime and anywhere. When your car breaks down on the road, towing insurance can save you from unwanted expenses. In this article, we will discuss what towing insurance is, how it works, and answer some frequently asked questions about towing insurance.

What is Towing Insurance?

Towing insurance covers the costs of towing your car to the nearest repair shop or garage in case of a breakdown or accident. It is usually an add-on to your auto insurance policy, but some insurance providers offer it as a stand-alone policy. With towing insurance, you can have peace of mind knowing that you won’t have to pay for towing expenses out of pocket.

There are two types of towing insurance: roadside assistance and emergency towing. Roadside assistance includes services such as jumpstarts, tire changes, and lockouts in addition to towing. Emergency towing, on the other hand, only covers towing expenses.

How Does Towing Insurance Work?

When you purchase towing insurance, you will have to choose a limit for the coverage. This limit will define the maximum amount your insurance provider will pay for towing expenses. If your towing expenses exceed the coverage limit, you will have to pay the remaining amount out of pocket.

When you need towing services, you will have to call your insurance provider and provide them with your policy number and location. They will then dispatch a towing company to your location to tow your car to the nearest repair shop or garage.

What Does Towing Insurance Cover?

Towing insurance covers the costs of towing your car to the nearest repair shop or garage. However, it may not cover the cost of repairs or replacement of parts. You will need collision or comprehensive coverage for those expenses.

What Factors Affect Towing Insurance Rates?

The cost of towing insurance varies depending on several factors, including your location, driving record, and the type of car you drive. Drivers with a good driving record and a newer car may pay lower rates for towing insurance than those with a poor driving record or an older car.

When Should You Consider Getting Towing Insurance?

You should consider getting towing insurance if you frequently drive long distances or in remote areas where towing services may be hard to find. If you have an older car or a car that is prone to breakdowns, towing insurance can save you from unexpected expenses.

FAQ

How much does towing insurance cost?

The cost of towing insurance varies depending on several factors, including your location, driving record, and the type of car you drive. On average, towing insurance can cost between $20 to $100 per year.

Does towing insurance cover the cost of repairs?

No, towing insurance only covers the cost of towing your car to the nearest repair shop or garage. It does not cover the cost of repairs or replacement of parts.

Can I purchase towing insurance as a stand-alone policy?

Yes, some insurance providers offer towing insurance as a stand-alone policy. However, it is usually cheaper to add towing insurance as an add-on to your auto insurance policy.

Is roadside assistance the same as towing insurance?

No, roadside assistance includes services such as jumpstarts, tire changes, and lockouts in addition to towing. Towing insurance only covers the cost of towing your car to the nearest repair shop or garage.

Does towing insurance cover towing expenses for accidents?

Yes, towing insurance covers towing expenses for accidents in addition to breakdowns.

Conclusion

Towing insurance can save you from unexpected expenses when your car breaks down on the road. It is important to choose the right coverage limit and provider based on your driving habits and car type. With towing insurance, you can have peace of mind knowing that you won’t have to pay for towing expenses out of pocket.