Is a Tow Truck Covered by Insurance?

A tow truck is a specialized vehicle that is used to transport vehicles from one place to another. A tow truck can be used for a variety of purposes, including transporting disabled vehicles, moving abandoned cars, or helping with emergency roadside assistance.

In some cases, a tow truck may also be used for recreational activities such as car shows or off-road expeditions. While these uses are relatively common and safe, there are certain risks involved with operating a tow truck.

The most important question when it comes to operating a tow truck is whether or not it is covered by insurance. In most cases, the answer is yes – most insurance companies will offer coverage for tow trucks. However, the type of coverage and amount of coverage can vary depending on the policy.

In general, when looking for insurance coverage for a tow truck, there are two types of policies available: full-coverage policies and liability-only policies. Full-coverage policies provide comprehensive coverage for the vehicle in addition to the driver and passengers. This type of policy typically covers any damage that occurs when using the vehicle as well as legal costs associated with an accident.

On the other hand, liability-only policies only cover third-party damages caused by an accident while using the vehicle. These policies do not typically provide comprehensive coverage for any damage sustained by the vehicle itself or any passengers in it at the time of an accident. It’s important to note that these policies do not usually cover any medical expenses incurred during an accident either.


In conclusion, most insurance companies offer some form of coverage for tow trucks. The type and amount of coverage can vary depending on the policy so it’s important to research different options carefully before selecting one. Ultimately, having adequate insurance coverage will help protect you and your vehicle in case of an unexpected incident while using a tow truck.

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Karen Watkins