What is Towing Coverage?
Towing When Your Car Is Inoperable
Towing and labor auto insurance coverage pays up to the selected limit for towing of your covered vehicle when it is inoperable, whether or not there is an accident involved. You must also have comprehensive coverage to obtain towing insurance.
Insurance Coverage availability varies by state
How Towing Insurance Coverage Works
If your car breaks down on the side of the road, towing insurance and labor coverage pays for your vehicle to be towed to the nearest point of service. Towing and labor coverage also covers the labor required to get your car back up and running. It does not, however, cover the cost of the parts that may be needed to perform the repairs – only the labor.
Towing and labor coverage can be extremely helpful if your car ever gets stuck somewhere – but it may not be necessary if you already have protection through a separate roadside assistance membership.