How Does Insurance Cover Accident Towing?
Understanding Towing Coverage After an Accident
After a collision, one of the first things drivers ask is, “Does my insurance cover towing after an accident?” The answer depends on the type of auto insurance you carry and the specific details of your policy. Generally, towing costs are covered under collision or roadside assistance coverage, but not every policy includes these options automatically.
Collision C overage vs. Roadside Assistance
If your car is damaged in an accident, collision coverage typically handles the cost of towing to a repair shop, as long as the accident is a covered event.
However, if your vehicle breaks down for non-accident reasons—like a dead battery or flat tire—then
roadside assistance coverage comes into play. This optional add-on can cover towing, jump starts, fuel delivery, and more.
When Insurance Will Pay for Towing
Insurance generally covers towing when:
- The vehicle is damaged due to an insured accident.
- The tow is necessary to move your car from the accident scene.
- The tow is taken to a repair facility or a storage yard.
Keep in mind that some policies set limits on towing distance or reimbursement amounts, so it’s important to check the fine print before you need it.
Out-of-Pocket Costs and Reimbursement
If you pay a towing company like Murray’s Towing directly at the scene, your insurer may reimburse you later. To ensure smooth reimbursement:
- Request an itemized invoice showing the distance towed and services provided.
- Keep all receipts and documentation from the accident.
- Contact your insurance provider promptly to file a claim.
Why Choose a Professional Towing Service
Choosing a trusted towing company ensures your vehicle is handled safely and efficiently after an accident. Professional towing operators have the proper training and equipment to prevent further damage to your vehicle during transport. Murray’s Towing provides reliable accident recovery and towing services to help you navigate the stressful aftermath of a collision.
Conclusion
If you’re ever in an accident, understanding how your insurance covers accident towing can save you time, money, and frustration. Always review your coverage and keep Murray’s Towing in your contacts for fast, professional assistance when you need it most.
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