Car insurance does not cover towing if you have a liability-only policy, but it might if you have full coverage. Many full coverage car insurance policies will reimburse drivers for towing that results from a collision, but won’t cover towing due to a mechanical issue or breakdown.
Some full coverage policies only cover towing if you pay extra for roadside assistance, though. Sometimes called towing and labor coverage, roadside assistance is usually an easy and affordable add-on. You can add it to your policy for around $5 to $15 per car, per month.
Because towing coverage varies so much from policy to policy, it’s important to know exactly what is covered by speaking to your insurer directly. When purchased as an add-on, towing coverage typically includes:
- Towing (up to a certain distance, in most cases)
- Flat-tire changes
- Jumpstarts and battery replacements
- Fuel delivery if you run out of gas
- Locksmith services
If you don’t have towing and labor coverage as part of your car insurance, you could also consider purchasing roadside assistance from a third-party, like AAA. Third-party providers offer the same roadside services you would get by adding on to your insurance policy, but some have extra perks. AAA, for example, offers free trip-planning tools, identity theft monitoring, and thousands of shopping, entertainment, and dining discounts.
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