What You Should Know About Towing And Insurance

It is no easy feat to stay calm when you get into a car accident. Such unfortunate scenarios can leave anyone in a state of shock. The first and foremost thing that crosses the mind of anyone is the damage and cost of the smashed car and how to relocate the damaged vehicle into a safe space.

In such stressful situations, the on-time arrival of towing services is definitely a blessing and relief. Since it is important to get the car out of the trouble and deposit it somewhere safe with the help of towing services as soon as possible. So, you don’t have to worry about the safety of your car and be mentally prepared for the next step of repairment of the possible damage sustained by the vehicle.

Being trapped without a car is very stressful but knowing that you can easily access towing services as a backup in the event of an accident can be a huge relief.

When you have a car insurance plan, you will usually be covered for accidents with no extra cost incurred upon you in the event of an accident, fire, or theft. However, there can be limits on availing towing services in case of whether a minor fender-bender or major accident.

Does My Car Insurance Cover Towing Services?

Most comprehensive car insurance policies include the clause for provision and coverage of towing services to the nearest available repair and safe storage location if you end up in any kind of accident.

Some plans even include free roadside assistance facility, which may lead to towing services depending on the condition of your vehicle and the specifics details of the roadside assistance.

In addition to comprehensive insurance plan, some insurance companies also provide fire and theft insurance, which covers towing costs. Always check your insurance policy documents in detail to make sure you know what you are getting insured for.

How am I covered for Towing Services?

Towing Services Coverage for Car Accident

Under comprehensive insurance plans, you will are covered for availing towing services to any nearest repair shop or storage space, in the case of an accident or attempted theft. Towing services coverage by your insurance company is included in your car insurance policy if the accident leaves your car in an undrivable state or far away.

Towing Services Coverage for Third Party Fire And Attempted Theft

For third party fire and attempted theft cases are also covered by insurance policies with the added benefit of acquiring towing services, your car will be towed from the place of the incident for third party fire and attempted theft.

Call Insurance Provider First After Any Incident

If you have an accident or your car needs towing services, you should call your insurer first. When you've been in an accident or your car needs a tow, you should always call up your provider first. As part of the insurance claim, your insurer may allow you to choose the right towing services yourself.

If they allow you to choose your own towing services, make sure to call them to inquire about how much towing service coverage do they provide so you have an idea of how much might fall on your own pocket before arranging a towing service, as you don't want to be caught out of pocket.

If they do not let you choose freely, they can help you find a possible towing service provider nearest to your location fully covered by the insurance policy, so you can get a refund.

Most insurance companies do not set a towing distance limit, they just say that they will only take you to the nearest approved maintenance facility or insure your storage location such as your home, but you must check your policy carefully.

Are Towing Services Covered Under Roadside Assistance?

Yes, in some cases. If you get roadside assistance for vehicle breakdown from an insurance company or a specialized roadside assistance service provider, the service will include towing services.

However, compared to towing services provision after an accident as part of an insurance policy, free towing services for vehicle breakdown as part of roadside assistance is usually subject to some restrictions.

Distance limits

Some roadside services only allow 15 kilometres of free towing services in large cities or 50 kilometres of free towing services in rural areas. Another roadside assistance provides free towing services ranging from 10 to 300 kilometres, depending on whether you are in a metropolis or the countryside.

Size Limits

Your vehicle must have a specified weight and specified height, usually less than 3.5-4 tons, and no more than 3 meters in height are necessary specifications for truck towing your vehicle.