The short answer
Usually only if you add it. Towing and labor, often called roadside assistance, is an optional coverage you can add to most auto policies. Without it, you may pay for a tow yourself after a breakdown.
Breakdowns vs. accidents
There's a difference between needing a tow because your car won't start and needing one after a crash.
- Breakdown, flat tire or dead battery: covered only if you have roadside or towing coverage
- After a covered accident: towing is often included in your collision or comprehensive claim, subject to your policy
What roadside coverage often includes
Policies differ on limits, and some pay you back rather than sending a provider. Read the coverage details on your policy.
Some policies limit how many roadside calls you can make in a year, or how much labor at the scene they'll pay for. If you live in a rural area or drive long stretches between towns, the towing distance limit matters more, since the nearest shop may be far away.
- Towing to a nearby repair shop, up to a set distance or dollar limit
- Jump-starts for a dead battery
- Flat tire changes
- Fuel delivery if you run out
- Lockout help
Other places you may already have it
Before you add coverage, check whether you're already paying for it somewhere else.
Compare what each one actually covers. A roadside club may offer longer tows, while a warranty plan may only cover certain breakdowns or require a dealer shop. Having two plans rarely adds much, so pick the one that fits how and where you drive.
- A roadside club membership
- A new-car warranty from the manufacturer
- Some credit cards or phone plans
How to use it
- Call the number on your insurance card or app
- Have your location and car details ready
- Ask where the car will be towed and whether there's a mileage limit
- Keep receipts if you pay upfront and will be reimbursed
Is it worth adding?
Roadside coverage is often inexpensive. It can make sense if you drive an older car, travel long distances or don't have another plan. CapCenter's in-house insurance agency can explain the options from different carriers.
After an accident
If your car can't be driven after a crash, call your carrier or agent to start a claim and ask how towing will be handled. If the accident is covered under collision or comprehensive, the tow to a repair shop or storage lot is often part of that claim. Storage fees can add up quickly, so ask your carrier where the car should go and move it promptly.
If the other driver was at fault, their liability coverage may pay for your tow and repairs. Your agent can help you sort out which policy pays.