Towing coverage is a popular feature many drivers add to their auto insurance policy; however, there is often confusion as to how it actually works. There are several reasons you may require the services of a tow company one day, but before you call, it’s important to understand if the costs will be taken care of or if you will be expected to pay out of pocket. This will usually depend on the insurance provider and the specifics of your coverage. The best way to determine exactly what your policy includes is to carefully go over it with your insurance agent. Below are some common scenarios to find out if you’re covered for. 

How Towing Coverage Works Under a Standard Auto Insurance Policy 

Car Accidents 

If you have the misfortune of being in a car accident, you will typically have towing coverage regardless of who was at fault. When another driver is responsible for causing a collision, their insurance may pay to have your car towed wherever you want it to go, or the towing charge may be paid under your own auto insurance policy’s collision coverage.  

Running Out of Gas 

Running out of gas can be dangerous, so it’s essential to take every precaution to avoid this. However, if you do find yourself on the side of the road without fuel, you can call a towing company to either take you to the nearest gas station or fill your tank with enough gas for you to drive to the station yourself.

Locking Keys in a Car 

Many people will lock their keys in the car at least once in their lifetime. Though there may be different ways to get into a vehicle without calling a tow truck, this tends to be the least damaging option. Tow companies have a variety of tools that work effectively to open a car window or pick the lock. Most auto insurance policies also cover towing the vehicle home if necessary. 

Getting stranded somewhere can be a major inconvenience but having towing coverage will allow you to get safely home or to a repair shop at any time of the day or night. If you are looking to add this to your policy, Bruce Richardson, a State Farm Agent in Mooresville, IN, can help fulfill your request. For more than two decades, he has assisted clients in finding quality auto insurance at affordable prices. He will thoroughly assess your unique needs to make sure you have the most comprehensive protection plan possible. Call (317) 831-3500, or visit his Facebook page to learn more.