Towing services are an essential part of owning a car. Whether your car has broken down on the highway or you’ve had an accident, a tow truck can be a lifesaver.
But when it comes to insurance, does calling a tow truck affect it?
The answer is that, yes, calling a tow truck does have an impact on your insurance. Depending on the type of insurance coverage you have, you may be able to use your policy to cover some or all of the cost of the tow service.
If you have comprehensive coverage, for instance, then this may include roadside assistance such as towing and tire changes. If you’re in an accident and need to use a tow truck to get your car off the road and into a repair shop, then you may be able to use your collision coverage to pay for some or all of the costs.
It’s important to keep in mind that different insurers offer different types of coverage, so it’s best to read through your policy carefully before calling a tow truck. There may be restrictions on how much you can get reimbursed or what types of services are covered. In some cases, there may also be restrictions in terms of which companies are allowed to provide services.
It’s also important to remember that even if your insurance covers some or all of the cost of calling a tow truck, there are still other costs associated with getting your car towed. For instance, depending on where you are located and how far away from home you had the incident occur, there could be additional mileage fees involved as well as other fees for special services such as winching or flatbedding.
In conclusion, calling a tow truck does affect insurance in that it can potentially be covered by certain policies depending on their terms and conditions. It’s important that drivers familiarize themselves with their policy before they call for help in order to make sure they understand exactly what is covered and what isn’t.
