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When you’re on the road, the last thing you want is to be stranded due to a breakdown or accident. Towing insurance, also known as roadside assistance or towing and labor coverage, can provide peace of mind by ensuring that you’re not left helpless in such situations. This coverage can be a valuable addition to your auto insurance policy, especially if you drive frequently or own an older vehicle. Here’s what you should know about towing insurance and why it might be worth considering.
What Is Towing Insurance?
Towing insurance is a type of coverage that helps cover the costs of towing your vehicle if it becomes inoperable due to a mechanical breakdown, accident, or other issues. This coverage is typically part of a broader roadside assistance package, which may also include services like tire changes, jump-starts, fuel delivery, and lockout assistance. While towing insurance is often optional, it can be a lifesaver in the event of an unexpected vehicle problem.
How Towing Insurance Works
When you experience a breakdown or accident, this insurance kicks in to cover the costs associated with getting your vehicle to a repair shop or another safe location. Depending on your policy, coverage may be limited to a specific distance (e.g., towing up to 50 or 100 miles) or a set dollar amount. If the towing costs exceed your policy limits, you would be responsible for paying the difference.
Towing insurance can be added to your existing auto insurance policy for a relatively low cost, making it an affordable way to protect yourself from the high costs of emergency towing. Some insurers also offer towing coverage as part of their comprehensive or collision coverage, so it’s worth checking your policy to see if you’re already covered.
Why Towing Insurance Is Important
Towing a vehicle can be expensive, especially if you need to be towed a long distance. Without towing insurance, these costs can quickly add up, leaving you with an unexpected bill. For example, a short tow within a city might cost around $75 to $125, while a longer tow could easily exceed $200 or more. In rural areas or on highways, towing costs can be even higher due to the distance involved and the availability of services.
Moreover, towing insurance provides more than just financial protection. It also offers convenience and peace of mind, knowing that help is just a phone call away. Many towing insurance policies come with 24/7 roadside assistance, meaning you can get help anytime, anywhere. This is particularly valuable if you frequently travel in remote areas where tow trucks might be scarce.
Choosing the Right Coverage
When selecting an insurance plan, consider factors such as the distance you typically drive, the age and condition of your vehicle, and your driving habits. If you drive long distances or own an older car that’s more prone to breakdowns, comprehensive towing coverage may be worth the investment. On the other hand, if you rarely drive or have a newer, more reliable vehicle, you might opt for a more basic plan.
Additionally, compare the options offered by your auto insurance provider with those available through third-party companies or membership organizations like AAA. These organizations often provide robust roadside assistance packages that include towing services, sometimes with additional perks like trip interruption coverage and discounts on travel services.
Towing insurance is a valuable addition to your auto insurance policy, offering both financial protection and peace of mind in the event of a breakdown or accident. By understanding how it works and assessing your needs, you can choose the right coverage to ensure that you’re never left stranded on the road. Whether you’re driving across town or cross-country, this insurance can be a small investment that pays off in a big way when you need it most.
Maryland Roadside Assistance and Towing from Morton’s Towing & Recovery
Morton’s Towing & Recovery specializes in all roadside assistance and light duty towing services, whether or not you are covered by towing insurance. Our dispatchers provide true 24-hour personalized service, which means there is never an answering machine or answering service. Our dispatch staff is trained to assess your requirements quickly and send the correct Morton’s vehicle on its way within minutes. Contact Morton’s today!
