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The majority of Progressive auto policyholders are eligible for roadside assistance coverage. If you have roadside assistance, you may also be eligible to add trip interruption coverage (if it’s available in your state). If you break down more than 100 miles from home, trip interruption can cover up to $500 of your related costs (lodging, food, and transportation) while you wait for your repairs.
Frequent Driver
Now, not all auto insurance policies are treated equally and each insurance carrier will have different coverage limits or ways you can collect or use the coverage. If you drive long distances on a regular basis, towing coverage can be essential. Longer trips increase the risk of encountering roadside emergencies. This typically refers to services like jumpstarting a dead battery, changing a flat tire, fuel delivery, helping you get back into your car if you’ve locked yourself out, and towing. If the insurance company dispatches the towing company, they will also take care of the invoice, leaving less responsibility to you. Medical expense coverage, like Medical Payments coverage (MedPay) and Personal Injury Protection (PIP) helps pay for your medical bills as a result of a car accident.
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- Without this coverage, any towing costs will have to be paid out of pocket.
- If you have roadside assistance, you may also be eligible to add trip interruption coverage (if it’s available in your state).
- Keep a safe following distance from other vehicles, as you will need distance to slow down.
- The most common situation for towing to not be covered is if you don’t have towing coverage.
- Look up the proper towing procedure for both the towing vehicle and the vehicle being towed.
- BRP Insurance III LLC does not discriminate based on race, color, national origin, age, disability, or sex.
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Towing coverage typically pays up to the limit you have selected for the cost of towing your car to a repair shop when it is undrivable. Roadside assistance may include towing coverage, but this can vary between insurance carriers. Towing coverage is typically an additional coverage you can purchase on top of comprehensive coverage.
If your car insurance policy doesn’t already come with protection for a trailer, you may be able to purchase additional trailer coverage. Again, any towed vehicles are not covered under the towing vehicle’s policy and need separate policies. As long as you have the right plan, it’s usually covered if you’re in an accident or your car breaks down. (You can check with your agent to be sure.) If you’re involved in an accident, towing is often part of the claims process, especially if the other driver is at fault. The insurance company will typically cover the cost of the tow, but it’s important to contact them as soon as possible to get the ball rolling. Just comprehensive coverage by itself may not cover towing costs- you may need additional towing or roadside assistance coverage.
If your insurance doesn’t offer roadside assistance and you want it, consider a membership program. Some, such as AAA, offer towing services as part of their membership benefits. They actually serviced over 32 million vehicles roadside in the US in 2023. Additionally, your insurer coastalcollisioninc.com may partially or fully cover the cost of towing.
This could start at up 15 miles or go as high as 100 miles per tow.
If you’re involved in an accident caused by another driver, the cost of towing your vehicle may be covered under the at-fault driver’s liability coverage. However, if you’re found to be at fault for the accident, you may be responsible for towing expenses, depending on your coverage. Insurance companies will either pay you back using a reimbursement program which puts the responsibility on you, the consumer, to contact and dispatch a local towing company. Or the insurance company will require you to call their towing assistance number in which they will dispatch their preferred vendors. The most common situation for towing to not be covered is if you don’t have towing coverage.