Does Getting Your Car Towed Affect Your Insurance?

a insurance protects your vehicle from different forms of damages. Car insurance may or may not cover the towing of your car, depending on the situation. Let’s find out if getting your car towed affects your insurance.
Does Getting Your Car Towed Affect Your Insurance
Does Getting Your Car Towed Affect Your Insurance?
Having your car towed won't necessarily impact your car insurance coverage. Your insurance will only be impacted if the reason for the tow was a violation of your driving record, like a DUI. Let's read on to know more about car insurance and towing of your car.
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Does getting your car towed affect your insurance? Whether by the authorities or due to mechanical issues, having your car towed won’t necessarily impact your insurance.

Your insurance will only be impacted if the reason for the tow was a violation of your driving record, like a DUI. Find the best auto insurance with Beem that covers damage to your vehicle and other vehicles or property, along with injuries to yourself or others. 

Does Getting Your Car Towed Affect Your Insurance?

No, auto insurance coverage doesn’t get affected by towing. But it might be if you are involved in an accident. So, check with your policy provider to determine what is and is not covered. 

Does Towing Fall Under My Auto Insurance Coverage?

Yes, towing falls under a majority of auto insurance coverages. However, it depends on your insurance company. They decide whether to cover the towing service based on the policyholder’s age and driving record.

Also Read: Does Car Insurance Cover Non-Accident Repairs?

Does the Reason For Towing Matter for Insurance Purposes?

Yes, it matters. Different insurance policies cover towing, and several factors influence whether the insurance company will cover towing costs.

Also Read: Does Car Insurance Cover Fire Damage?

Are There Limits to the Distance My Insurance Will Cover for Towing Expenses?

The coverage provided by your insurance for towing expenses may vary depending on the specifics of your insurance policy. To comprehend the details of your towing coverage, examine your insurance policy or contact your insurance provider.

Certain policies may impose a specific distance limit for towing services. If your policy includes a roadside assistance add-on, it often includes towing services. These programs might have their own distance limitations regarding how far they will tow your vehicle.

Also Read: Does Insurance Cover Car Seat Replacement After Accident?

Can a Towing Incident be Considered a Claim on My Insurance Record?

It depends on the specific circumstances and type of car insurance coverage. However, the cost of towing may be recorded as a claim if your insurance covers it.

Can I Choose Any Towing Service, or Does My Insurance Company Have Preferred Providers?

It depends on your policy and the kind of towing service that is involved. They cannot specify a provider in the standard insurance policy but can limit their pay. They usually have contracts with towing companies that cover towing costs. 

Also Read: Does Car Insurance Follow the Car or the Driver

Will My Insurance Cover Towing if My Car Breaks Down Due to Mechanical Issues?

If you only have a liability policy, car insurance may not cover towing. However, if you have full coverage, it may. Many policies may pay for towing resulting from an accident but may not cover towing due to a mechanical issue or breakdown.

However, some full coverage insurance only pays for towing if you additionally purchase roadside assistance, also known as towing and labor coverage. It can cost around $20 to $25 per year.

Also Read: Does Car Insurance Cover DUI Accidents?


Getting your car towed can impact your auto insurance if the incident took place as part of a criminal procedure or a claim filing.

Any incident which appears to be an increased risk to the insurance company can result in increasing your premium. Incidents like a flat tire or a car breakdown shouldn’t affect your car insurance rates. Compare car insurance quotes from the top providers with Beem to get the best deal for your budget.

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Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.


This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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