Does my auto insurance cover towing after an accident?

If you have comprehensive or collision coverage on your auto policy, towing following a covered accident is generally included as part of that coverage. The insurer will typically pay to have your vehicle transported to a repair facility, though the amount covered and any deductible that applies can vary significantly from one policy to another.

Most collision claims include a tow as part of the loss payment, meaning the tow is covered under the same claim and the same deductible applies. If the tow is billed separately, you may need to submit that receipt to your adjuster. Some policies cap the towing reimbursement at a flat dollar amount (commonly $50 to $100), while others cover the actual and reasonable cost.

Towing and vehicle storage are two distinct charges. Many policies that cover the tow do not cover ongoing storage fees, or cover only a limited number of days. Ask your carrier or agent about storage limits before leaving your vehicle at a facility.

If you carry only liability coverage (no collision or comprehensive), towing is generally not included. If the accident was caused by the other driver, their liability coverage may cover your tow as part of your property damage claim.

Review your declarations page for a towing and labor or roadside assistance endorsement, and confirm whether your collision coverage includes the tow-in cost. If you are unsure, contact your agent before an emergency arises so you know exactly what is and is not covered.