When your vehicle has broken down on the side of the road, or you’ve been in an accident, you’ll need to call for a towing service. Some car insurance policies cover this service while others do not. Use the following three simple steps below to check your insurance coverage and avoid paying out of pocket for a tow.

How to Handle Insurance for Car Tow Payment

1. Check Your Policy

Most car insurance companies offer towing coverage, and it’s up to you whether that’s something you’d like to pay for. The limits and coverage will vary depending on the insurance company you chose and which policy you pay for. Towing coverage will pay for a tow up to a set dollar amount or number of miles. If you’ve been in an accident, your comprehensive or collision coverage may cover the tow after you pay your deductible.

2. Check Your Motor Club

If your insurance policy doesn’t include towing, then being a member of a motor club such as AAA will. A low monthly fee for membership will give you access to discounts, roadside assistance, and towing services. If you’re part of a motor club, familiarize yourself with what their services include and keep your membership card in your wallet to show the tow company. Keep in mind that with motor clubs, there’s a list of pre-approved companies they work with, so you’ll have to call a service from that list.

3. Coordinate Your Claim

If your tow is covered by your insurance, you’ll likely need to pay for the service upfront and coordinate reimbursement. Keep the receipt and file a claim afterward. If your tow is covered under comprehensive or collision coverage and you have your car towed by the shop handling your repairs, then the cost of towing will likely be paid directly by your insurance company when they pay the bill for the repair service.

Discount Towing and Recovery offers quick and affordable towing services throughout the Mountain Home, AR, region. They’ll do what it takes to get you back on the road as soon as possible, whether that’s delivering fuel to you, towing your car to an auto shop, or providing roadside assistance. Learn more on their website and call (870) 425-1775 to request a truck.