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Is Towing Covered by Insurance?

If you're a driver, there's a good chance you've had to deal with a breakdown or accident at some point. In these situations, towing can be a lifesaver - but who pays for it? Is towing covered by insurance? In this article, we'll explore your options and answer this common question.

What you will learn in this Article:

  1. What is towing?

  2. Is towing covered by insurance?

  3. Types of insurance that may cover towing

  4. What to do if your insurance doesn't cover towing?

Is towing covered by insurance?

What is Towing?

Before we dive into insurance coverage, let's define what car towing actually means. Towing is the process of moving a vehicle from one location to another using another vehicle. This could be necessary in situations like breakdowns, accidents, or when a vehicle is illegally parked.

Is Towing Covered by Insurance?

The short answer is that it depends on your insurance policy. Some auto insurance policies do include towing coverage as part of their roadside assistance package. However, not all policies offer this coverage, and even those that do may have limits and restrictions.

Is towing covered by insurance?

Types of Insurance That May Cover Towing

Here are a few types of insurance that may include towing coverage:

  1. Comprehensive auto insurance: This type of coverage protects against non-collision damage, such as theft, vandalism, or weather-related damage. Some comprehensive policies include roadside assistance, which could cover towing.

  2. Collision auto insurance: Collision coverage is designed to cover damage to your vehicle in the event of an accident. Some policies also include roadside assistance.

  3. Roadside assistance insurance: Some insurance companies offer standalone roadside assistance policies, which can include towing.

What to Do If Your Insurance Doesn't Cover Towing?

When your insurance policy doesn't cover car towing, you may feel stranded. However, TTN Roadside Assistance is a service that provides emergency roadside assistance, which includes towing. By contacting them, you can get help regardless of your vehicle type, and find out more information on what is car towing.


While towing may not be covered by every insurance policy, it's an essential service that can help you get back on the road after a breakdown or accident. Be sure to check your insurance policy to see if towing is included, and if not, consider investing in a standalone roadside assistance policy or calling TTN Roadside Assistance to find out how roadside assistance works. Don't get stranded without help - plan ahead and be prepared.

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