Is Tow Truck Service Included in Car Insurance?

With so much traffic on the road, not to mention bad drivers, there is always a risk of getting into an car accident no matter how carefully you drive the car. You cannot control other drivers. Even if you do not get into an accident, you can get stranded on the road due to mechanical faults. Even with the latest technology, these are hard to predict and can develop anywhere, at any time.

There are certain things that you can’t control. Then you are left with no other option and have to call a towing company to transport your vehicle. Tow companies are expensive, and when tragedy strikes you, then you start wondering whether your insurance company covers the tow service as well.

DOES MY INSURANCE COMPANY COVER TOW TRUCK SERVICE?

If you have insurance, do not be under the impression that your car insurance company will pay for the tow truck service expenses as mostly the insurance companies do not cover tow service expenses. For that to happen, you need to pay apart from the insurance money to avail of this service, and it usually comes under the name “roadside assistance”.

It is not that expensive and can be added to your insurance policy as an add-on. It would be a wise decision to avail of this roadside assistance as you never know when you might be required to avail the services of a tow truck company which can be expensive if not covered by your insurance company. To make things clear, if you don't have roadside assistance in your insurance policy, then you will have to pay for tow truck services from your pocket.

However, suppose your car gets damaged due to an accident to the extent that it cannot be moved. It means that you need to tow it. Usually, the tow charges will not come out of your pocket. Instead, the driver's insurance company that is at fault will pay for all the damages to your car, including tow truck service charges.

WHICH THINGS ARE TAKEN CARE OF BY ROADSIDE ASSISTANCE?

Roadside assistance coverage can vary depending on your insurance company. But mostly roadside assistance takes care of you if you are stuck on the road due to the following circumstances:

• Tow truck service (up to a certain distance)
• Car battery jump-start
• Locksmith services
• Flat tire change
• Deliver enough gas to take you to the fuel station

DURING TOWING, DOES MY INSURANCE COVER MY CAR?

Technically speaking, you have to be in your car to avail of insurance. However, the answer is Yes, the insurance company covers your vehicle during the towing process. If your car is damaged during the towing process, your insurance company will cover all the expenses if you have collision coverage. If the tow truck gets into an accident while your car is on it, your damages will be covered by the driver who is at fault.

Wrap Up

If you have any other questions, feel free to contact your insurance provider or us. Lastly, PitStopArabia recommends that you go through your insurance policy thoroughly. It will help you understand what things are included or excluded from your policy. Thank You.