What if my car needs to be towed farther than the policy limit?

Quick answer: If your vehicle needs to be towed beyond your policy's mileage limit, your insurer typically covers the tow up to the limit and you pay the difference for the remaining distance.

When a breakdown requires a tow that exceeds your policy’s stated mileage cap, the coverage works on a split basis: your insurer pays for the included portion of the tow, and you are responsible for any charges beyond that limit. The towing company bills at a per-mile rate for the excess distance, which can add up quickly on a longer haul. Before the tow truck leaves, ask the driver for an estimated total cost so you can decide whether to use your policy benefit and pay the overage, or to arrange a closer interim destination first. In some situations, towing to the nearest shop and arranging a second tow later is the more cost-effective approach. If cost is a concern, a motor club membership with higher or unlimited towing mileage can supplement a basic policy endorsement. Keeping that contact number accessible alongside your insurance card is a practical precaution.