Towing Insurance in Kansas City
If your car won’t start, or you have a breakdown on the side of the road, you need quick assistance that won’t break the bank. Many drivers assume their auto insurance covers towing, but that isn’t always the case. A separate endorsement called towing and labor can be added to your auto insurance policy to give you peace of mind when you need it.
Towing and labor coverage helps pay the cost of towing your vehicle, whether it’s stuck in your driveway or miles away. This add-on coverage can help you if you are stranded, get a flat tire, have a dead battery, run out of gas or have an accident that makes it impossible for you to keep driving your vehicle.
What Does Towing and Labor Coverage Offer?
The specific services offered by towing and labor coverage can vary, but typically roadside assistance covers:
Fuel or battery delivery to your car
A locksmith if your key is lost, stolen or locked in your vehicle
Towing coverage typically reimburses you for towing expenses from where your vehicle broke down. Since towing companies usually charge by the mile, this coverage can help you avoid extra costs.
If you opt to repair your vehicle at the site of its breakdown, labor coverage can cover the delivery and installation of the parts—but not the cost of the parts.
Will My Insurance Company Reimburse Me for Towing?
If you have towing and labor coverage, your insurance carrier may reimburse you for your towing charges. However, expect that you’ll need to pay for this cost out-of-pocket and then submit a claim for reimbursement. To ensure your tow gets reimbursed, save any receipts and document any expenses so that you can submit a claim to your insurance company.
Contact Us Today!
We are dedicated to helping you get the towing coverage you need. We can discuss reimbursement amounts, the number of claims allowed annually and how longer-distance tows can affect your premium.
Call Auto Insurance Discounters at 866-288-6545 today to get started.