In the unfortunate event that you have been involved in a car accident, and you need to tow your car somewhere, the first thing you should do is call the police. Next, you may be tempted to call your insurer, while asking yourself whether they might cover the towing costs or not.
Who’s At Fault?
The answer to this question is also particularly important. It will determine who will eventually cover the towing cost. However, if it is nearly impossible to remain objective and establish which party is guilty of the accident, you will need to be patient. This means you will not be able to determine whether your insurance company or the other driver’s insurer will pay for the 24-7 towing service.
Moreover, you will not be able to know the type of automotive coverage the other party has. And this means they might not even be able to handle the towing of your car, despite the fact that the accident might have occurred because of you, as the police will determine.
On the other hand, if you are found guilty, your insurance will be strictly restricted to the claims your company covers for towing. This usually means “reasonable” costs within a reasonable distance. If your car crash has occurred while you were out of the state you live in, chances are your insurance policy will not cover the towing trip. This is why it is very important to find the best insurer possible and make sure you will be receiving the best treatment and coverage. Study a few companies and policies and see which suits you best. Also, try to think ahead and be cautious. Car accidents occur out of the blue, lots of the time because of other drivers’ fault, and you need to make sure you will be well covered.
Using The Right Towing Service
Once your insurance agent will arrive at the scene, and you will explain the accident circumstances to them, you should also mention the need to tow your car. They will either call a reliable tow company in the area or provide you with contact information and let you handle the job yourself. This should help you keep potential future conflicts concerning your insurance at bay.
Provided you will not mention anything about the towing to your insurance agent, a tow company working together with the police will come over. It is also possible for a random towing service to hear about the accident using the police scanner and drop by uninvited.
If you are an auto club member, you could ask them to send over a towing crew. You can also do a quick local search, but if you are not from around the area, you might find it more difficult to come across someone reliable who won’t charge an arm and a leg.
If you are lucky enough, your insurer might just provide optional towing and roadside assistance that should cover the costs. Another add-on to your policy should also prove helpful in the event you will remain stranded somewhere because of a car breakdown.