Towing is usually not covered by liability-only insurance plans. You should expect to pay upfront for any towing, including after an accident. However, if another driver was deemed at fault for the accident, their insurance should cover damages to your vehicle and may cover any towing expenses.

Where does your car go after an accident?

Cars are usually towed to a mechanic, auto repair shop, or salvage yard after an accident, and this may restrict your access to it for days. You should remove important papers or belongings from your car before it’s towed.

How do I know if my car insurance covers towing?

For the most part, towing is not covered if you only have liability. Expect to pay out of pocket for any roadside assistance, including towing. If there was an accident and you were not at fault, however, the other driver’s insurance will pay for damages incurred to your car, as well as any towing expenses, too.

Can I use my insurance to tow someone else’s car?

Ava Lynch. When you have roadside assistance through your insurance company, the service is only available on the vehicle that the coverage is listed. There are other roadside companies that will allow you to use the roadside no matter whose vehicle you are in.

Who is responsible for towing charges after a car accident?

If a collision was caused by the fault of another person covered by “Property Liability Coverage” insurance and there are sufficient funds to meet this expense in addition to your vehicle damage or loss, the towing charges should be part of the property damage or loss claim to be paid by his insurance company.

When do you have to pay for a tow?

If towing costs are not collected from the responsible party’s insurance company or collected under your “Uninsured/underinsured Coverage” or there is no insurance or inadequate insurance to cover this expnese, then such charges are your loss to be paid out of your pocket.

Do you need insurance to get your car towed after an accident?

However, if the at-fault driver does not have insurance, does not have enough insurance, or does not have an insurance policy that includes towing fees, then you will need to contact your own car insurance company. When people purchase car insurance, there are often perks and benefits that are not explicitly disclosed in the buying process.

Can a company refuse to pay for a tow?

If for some reason, the insurance company of the responsible party refuses to pay them, and you carry towing coverage you can get them paid under your own coverage.