Is Car Towing and Labor Insurance Right For You?

What is Car Towing and Labor Insurance?

Car towing and labor insurance is a simple add-on to your auto insurance policy. As the name implies, it covers the cost of having your car towed for repairs. The labor portion of the coverage is a little less clear, but it means the insurance company will pay for the labor needed at the spot where your car needs assistance. It doesn’t cover labor at an auto repair shop once it’s been towed there.

For example, if your car wouldn’t start and the issue was a dead battery, the car towing and labor insurance would pay for the person arriving at the scene to replace the battery on the spot if possible, but not for the battery itself. If the battery weren’t the problem and the car needed to be towed to an auto repair shop, the policy would pay for the towing service but wouldn’t pay for the work performed at the shop.

In this article, we’ll discuss why this type of coverage is important for your auto insurance policy and if it’s right for you.

Who Needs Car Towing Coverage?

You might think you don’t need the policy because you just bought a brand-new car, and it’s unlikely to break down. However, it could still be beneficial to you in case something happens like a flat tire, a dead battery, or you run out of gas.

Roadside service programs, such as AAA or Hagerty Roadside, basically cover the same exact thing that car towing and labor insurance covers. Additionally, AAA can cover any car that the member is in, but this type of policy is usually vehicle-specific.

In some cases, this insurance can be a little less expensive than roadside assistance programs. Some insurance companies vary in what is included, so make sure to double-check with your agent to fully understand your policy.

Conclusion

In conclusion, car towing and labor insurance can be very beneficial if you usually fix yourself on the side of the road, needing a hand. Again, this coverage does not cover the cost of fixing your vehicle, just the towing and labor it takes to get it to the shop. If you believe you need a car towing and labor policy, contact us, and we can help you through the process.