Towing and Labor Insurance are Covers in Car Insurance?

No driver wants to be stranded on the side of the road, but it's a reality that many faces each year. If you're lucky, you have a friend or family member who can come to your aid. If not, you're looking at a hefty towing bill.

Most standard car insurance policies will cover towing and labor costs in an accident or breakdown. But, there are some essential things to remember. Also, you can ask for an auto insurance quote from your insurance company to know more about this to be sure about what is covered and what is not.

What is Roadside Assistance?

A Roadside Assistance plan is usually referred to as emergency road service protection or towing. Labor coverage is auto insurance coverage that helps cover you if you get stuck on the road for several reasons, such as a dead battery, a flat tire, or you run out of gas that makes it impossible to drive your vehicle.

How Do I get Roadside Assistance?

If your auto policy only covers liability, you'll be unable to obtain roadside assistance.

If you have collision coverage, which covers harm from an accident incurred by either you or another vehicle nevertheless of who is at fault, and comprehensive coverage, which protects you against weather calamity, sabotage, and various other events, your policy may also cover roadside assistance.

If your auto insurance policy in Beaumont doesn't already cover roadside assistance, towing, and labor, adding these services is simple. A rider to your basic insurance policy costs between $5 and $15 per vehicle.

What Does Roadside Assistance Cover?

The services covered are determined by your insurance provider, but roadside assistance and towing, and labor coverage is typically provided:

Flat-tire changes

Fuel or battery delivery to your car

A locksmith if your key is misplaced, stolen, or locked in your vehicle

Towing

Many automobile providers provide different degrees of roadside assistance coverage. For example, some companies only cover towing, while others will come and change your tire or jumpstart your battery.

You may be able to get a tow truck straight from your carrier, or you may have to pay out of pocket and then request reimbursement later. If you'll be reimbursed, keep track of everything and save all your receipts. Keep good records, and the reimbursement procedure will be more straightforward in the future. Remember that if your automobile is towed to a lot, you must reclaim it as soon as possible. If your actual tow was included in your Harlingen auto insurance policy, you might be covered for those expenses. Still, if you don't retrieve your car, your insurance won't cover the extra expenditures you incur.

Is It Possible To Get Reimbursed For Towing Costs If I Don't Have Roadside Assistance?

If you don't have roadside assistance or towing and labor coverage, your insurance may not cover towing after a breakdown. However, if your vehicle is badly damaged in an accident caused by another motorist and you need towing, the at-fault driver's liability insurance will pay for it. Liability insurance is auto insurance that protects you and your vehicle in the event of an accident.

If a third party causes an accident that damages your car, their insurance should cover the cost of repairs and transportation to the garage. But ensure to check with your insurer to ensure this is the case.

If you cause the accident and don't have collision coverage, you'll be stuck paying for the towing charges out of your pocket.

Is My Automobile Covered While It's Being Towed?

Yes, your vehicle is still insured while it's being towed, even if you're not inside it. If your vehicle is being towed by a tow truck and is involved in an accident, the at-fault driver's insurance will protect the cost of damage to your car. In addition, if your car is damaged when it is being towed, you will almost certainly be covered if you have collision coverage.

However, if you're towing your vehicle, such as a boat or camper, and it's damaged in an accident, your auto insurance will not cover the damages. So you'll need to purchase a separate policy for your trailer if you want it to be covered.

Read here to know the difference between liability vs. full coverage auto insurance.

In Conclusion

Towing and labor insurance is a type of coverage that helps pay for expenses related to towing your vehicle after an accident or breakdown. It's essential to check with your insurer or ask for an auto insurance quote to see if this range is included in your policy. If not, you can typically add it on for a small fee. Keep track of all receipts if you need to be reimbursed for any towing costs. Finally, remember that your vehicle is still insured while it's being towed. If it's involved in an accident, the at-fault driver's insurance will cover the cost of damages.