If you are a car owner, insurance is one of the basic requirements. Most states have included insurance as a legal requirement to have your car operating. There are different types of insurance covers that you can always have. However, most people don’t consider insuring their cars for towing.

When your vehicle is not operable or involved in an accident or mechanical problems, you will require towing services to help move your vehicle from the road or from where it is to the right place.

Some insurance companies don’t cover the towing process, while some insurance covers may extend to towing. The following article will explain why you need insurance coverage before your car is hauled.

Though towing companies don’t ask for insurance, many risks may be associated with towing, and it will be good if you have insurance coverage. When asking for towing service, you should have insurance to cover any form of liability.

Most insurance companies offer roadside assistance covers. With such coverage, you can get immediate assistance by towing your car or helping with minor repairs. Insurance providers offer roadside assistance cover in two options basic and premium.

The two options have some differences, such as the distance your car can be towed before you incur an extra cost which mainly depends on the company’s policy and the number of times you can request towing services in a year.

With roadside assistance coverage, you are eligible for services and benefits such as towing, jump starts, fuel or battery delivery, locksmith, and flat tire change. If you don’t have insurance cover, you may pay an extra cost for any liability or damage during towing.

How To Get a Roadside Assistance Coverage

Roadside assistance coverage will help cater to any damage or expenses during the towing process. You will also benefit from other services that will keep your car moving. If your car experiences any challenge, you can quickly contact your insurer either through the app or email, and they can respond to your need immediately.

There are four basic ways to acquire a roadside assistance coverage-

1. You can add it to your vehicle insurance coverage.
2. You can receive coverage as a bonus from your insurance company
3. You can purchase a vehicle club membership with roadside assistance coverage.
4. You can also opt for pay-per-use when you experience an emergency.

Why You Should Have an Insurance Cover When Towing Your Car

If your insurance extends in a towing scenario, you will likely enjoy some benefits that you couldn’t if you didn’t. Though you will be required to add some extra dollars to your monthly or annual premium to extend the coverage, you can be sure that it is a worthwhile investment.

The following reasons should compel you to have insurance before towing your car.

1.    Get Instant Services When You Need

Due to your insurance, you can have your car towed once you are in need. Sometimes relying on towing companies can deny you the instant or the immediate services.

If you are involved in a road accident, some companies may refuse to offer towing services to avoid legal liability.

Ensure your insurance extends to the towing scenario to avoid stress and inconvenience. Your insurance providers will respond once you need them.

2.    Access Towing Services Anytime

If you are involved in an accident at the most inconvenient time, such as the middle of the night, you might be forced to wait till morning to access towing services.

However, with insurance that covers towing, you don’t have to wait as most insurance providers are accessible at any time. Once you report your situation to your insurer, you can be sure of accessing the service anytime.

The last thing you can imagine is to contact a towing company that is not available. To avoid such struggles, ensure that your insurance extends to cover all the towing services.

Further, insurance cover such as roadside assistance can help your vehicle keep moving even when you experience challenges such as flat tires, low batteries, minor mechanical problems, or locksmith.

With no additional services, most towing companies will only help move your car from point A to point B.

3.    Access Stress-Free Services

With roadside assistance coverage, you will experience an easy time while filing for towing claim. Some insurance companies have made their accessibility by developing apps and websites that are easy and convenient to use when making a claim.

Once you are stuck and require immediate service, you will only contact your insurance provider through the app or the website, and you can get a quick response. You can provide adequate information about the incident and let them know your roadside assistance needs.

Alternatively, if you cannot contact your insurer, you can pay for the towing services and claim reimbursement. However, you should first read the insurance policy, terms, and conditions.

Wrapping Up 

Though it is not necessary to have insurance to cover towing scenarios, think about the implications and liabilities that are likely to rise during towing. Physical damage coverage does not cover towing.

Therefore, you need to have insurance covering damage or liability during towing. Paying for roadside assistance can be a worthwhile investment.