Owning a vehicle is a big responsibility and requires upkeep and daily maintenance, but even when you do everything right there is still a good chance that at some point you will need towing services. Most people want to know when they take out an insurance policy, does it cover towing? Some companies like Green Bay Towing will work with your insurance provider and bill you later.
Towing depends on the type of insurance you have and the amount of coverage on your policy. The majority of insurance companies offer to tow as a complimentary service if you include comprehensive and collision on your policy. Depending on the insurance company you may need to add towing to the policy which can raise your monthly premium.
It is important to read over your insurance policy to determine whether or not towing is included. You may be under the impression that it is automatically included even when you have comprehensive and collision coverage, but since you didn’t check the towing option you end up not being covered. This can have terrible consequences should you get stuck someplace and call your insurance company for a tow. They will politely tell you that towing is not included in your policy because you did not opt for it.
To avoid getting stuck in an unfamiliar place with no towing options available, make sure you look over your policy beforehand to determine what type of coverage you have. If you are unsure of your towing options, it is always best to speak with an insurance representative over the phone to get complete details. Have them send an email or fax you a copy of their towing program so you know exactly what’s included in your plan.
Know how many tows are available in your policy. Most insurance companies cap a number of tows you can receive in any given year but Racine Towing will do it regardless. Most of the time you are limited to 4 tows but on some policies, it may depend on the type of towing used and how many miles the vehicle has been towed. On most policies, you have to pay extra for towing that goes over a certain amount of miles. Keep this in mind if you are far from home or the nearest auto body shop because many tow companies will refuse to tow your car if they aren’t paid up front. Or they will tow your car but not release it to you if all the funds are paid.
Towing services are just as important as any part of an insurance policy because it can help you get back on the road as quickly as possible. It can also take you out of a potentially dangerous situation if you are stuck on the side of a very busy road. Towing services also give you peace of mind so if your vehicle ever breaks down you always have someone to call.
Having a good insurance policy that covers towing is ideal, so be sure to inquire about the service, how many tows are involved and also what happens if you need additional tows or go over the allotted mileage. Being prepared ahead of time can save you a lot of time and aggravation should your vehicle break down. Keep these tips in mind as you find the right insurance coverage that has a towing option in the policy.