Towing
The Role of Insurance in Covering Towing Costs
Getting stranded on the road due to a breakdown or accident is stressful enough without worrying about towing expenses. Fortunately, insurance coverage can help reduce or even eliminate the cost of towing services. But how does it work? What type of insurance covers towing? And what should you do if you don’t have coverage?
In this guide, we’ll break down the role of insurance in covering towing costs, how to check if your policy includes roadside assistance, and why Paradise Towing is the best choice for fast, reliable service.
Does Car Insurance Cover Towing?
The answer depends on the type of car insurance policy you have. In general, there are three main ways towing may be covered:
- Roadside Assistance Coverage – A policy add-on that includes towing, battery jump-starts, fuel delivery, and more.
- Comprehensive & Collision Coverage – May cover towing after an accident, depending on your policy.
- Third-Party Memberships & Warranties – Some credit cards, auto warranties, and motor clubs provide towing benefits.
If you’re unsure whether your policy includes towing, contact your insurance provider or check your policy details online.
What Type of Insurance Covers Towing Costs?
1. Roadside Assistance Coverage
Many auto insurance companies offer roadside assistance as an optional add-on. This coverage typically includes:
- Towing services to the nearest repair shop
- Flat tire changes
- Battery jump-starts
- Fuel delivery
- Lockout services
This is one of the most affordable ways to ensure you’re covered in case of a breakdown.
2. Collision & Comprehensive Coverage
If your car is involved in an accident, your collision coverage may cover towing costs to a repair facility. Likewise, if your car is damaged by theft, vandalism, or natural disasters, your comprehensive coverage may cover towing as well. However, these coverages usually have deductibles, so check with your provider to understand your out-of-pocket costs.
3. Auto Clubs & Credit Card Benefits
Some membership programs, such as AAA, offer towing services as part of their roadside assistance package. Additionally, certain credit cards provide towing reimbursement as a cardholder benefit. Check with your provider to see if you’re eligible.
What If You Don’t Have Towing Insurance?
If you don’t have towing coverage through insurance, you still have options:
- Pay out-of-pocket – Towing costs vary, but Paradise Towing offers affordable rates and upfront pricing.
- Use a roadside assistance membership – If you’re a member of an auto club like AAA, you can request a tow.
- Check your vehicle’s warranty – Some manufacturers provide roadside assistance for new or certified pre-owned vehicles.
How Paradise Towing Helps You Save on Towing Costs
At Paradise Towing, we understand that towing expenses can be unexpected. That’s why we work with many insurance providers to offer direct billing for covered services.
Why Choose Paradise Towing?
✔ Fast Response Times – We arrive quickly to minimize your wait.
✔ 24/7 Availability – Day or night, we’re always ready to assist.
✔ Insurance-Friendly – We work with most major insurance companies.
✔ Affordable Pricing – Competitive rates with no hidden fees.
✔ Comprehensive Roadside Assistance – From towing to jump-starts, we’ve got you covered.
How to Check If Your Insurance Covers Towing
To find out if your insurance policy includes towing, follow these steps:
- Review your policy – Look for “roadside assistance” or “towing coverage.”
- Call your insurance provider – Ask about your benefits and any deductibles.
- Check for reimbursement options – Some insurers require you to pay upfront and file a claim for a refund.
- Compare your options – If you don’t have coverage, consider adding roadside assistance or using Paradise Towing’s affordable services.
Final Thoughts
Having the right insurance coverage can save you money on towing costs, but it’s important to understand your policy details before you need assistance. Whether you’re covered by insurance, roadside assistance, or an auto club, knowing your options ensures you’re never stranded.
Need a tow now? Paradise Towing is here to help! We offer fast, reliable, and affordable towing services, whether your insurance covers it or not.
FAQs
1. How much does a tow cost without insurance?
Towing costs vary depending on distance and location, but Paradise Towing offers competitive rates and transparent pricing.
2. Does liability insurance cover towing?
No, standard liability insurance only covers damages you cause to others, not your own vehicle.
3. Will insurance cover towing after an accident?
If you have collision or comprehensive coverage, your insurance may cover towing, but check your policy for details.
4. Can I add roadside assistance to my insurance anytime?
Yes! Most insurance companies allow you to add roadside assistance at any time, often for a small monthly fee.
5. How do I get reimbursed for towing?
If your insurance requires reimbursement, save your receipt from Paradise Towing and file a claim with your insurer.
Need a tow? Call Paradise Towing now for fast and professional service!