Insurance on Towing Costs By City

GEICO Towing Coverage: How Many Times Per Year Are You Covered?: What To Do Next

Sun, 10 May 2026 00:00:00 +0000

Quick Answer: GEICO typically covers towing 4 times per year with their Emergency Road Service (ERS) coverage. Each service call has a maximum benefit amount, usually around $100 per incident. Coverage resets annually on your policy renewal date.

What To Do

Check your policy documents or GEICO app to confirm your exact ERS coverage details
Call GEICO at 1-800-424-3426 if you need immediate towing service
Stay with your vehicle until the tow truck arrives if it’s safe to do so
Keep receipts if you pay out of pocket and need reimbursement later
Ask the tow operator about costs upfront if your coverage limit might be exceeded

Photo: Pexels

Does Insurance Cover Towing After an Accident?: Quick Guide

Mon, 04 May 2026 00:00:00 +0000

Quick Answer: Yes, if you carry comprehensive or collision coverage, your auto insurance typically covers towing after an accident. Liability-only policies do not. Some policies include a separate roadside assistance rider. You may pay upfront and get reimbursed, or your insurer dispatches a tow directly. Call your insurance company from the scene before calling a tow truck.

What To Do

Call your insurance company from the accident scene, before calling a tow truck. Most insurers have 24/7 claims lines. They will either dispatch a tow directly or authorize you to call one and get reimbursed. This is the fastest way to know exactly what’s covered.
Check your declarations page for these coverages:
- Collision coverage: covers towing when your car is damaged in an accident
- Comprehensive coverage: covers towing for non-collision events (theft, flood, animal strike)
- Roadside assistance rider: covers towing for breakdowns, lockouts, flat tires, sometimes regardless of fault
If the other driver is at fault, their liability insurance should cover your towing costs. Their insurer handles this, not yours. Get their insurance information at the scene.
Document everything. Take photos of the car, the scene, and the tow truck’s license plate and company name. Get a receipt showing the tow destination and total charge.
Know where you want the car towed before the truck arrives. You can choose your own repair shop. You do not have to use the shop the insurance company recommends, though preferred shops may process claims faster.
Watch out for police-dispatched tows at accident scenes. If police call a tow truck on your behalf, you still owe that company. These can be expensive, ask to call your own company if the car is safe to wait.

What It Might Cost

Coverage Type	Towing Coverage
Liability only	Not covered
Collision or Comprehensive	Usually covered, subject to deductible
Roadside assistance rider	Covered, typically no deductible
Other driver at fault	Covered by their liability

Important deductible note: if your tow costs $150 and your collision deductible is $500, the insurance won’t pay, you owe the full $150 yourself. Roadside assistance riders usually have no deductible for towing.

Will Your Auto Insurance Pay for Accident Towing?

Wed, 18 Feb 2026 12:26:00 +0000

Getting into a car accident is stressful enough without worrying about towing expenses. The good news is that your auto insurance may cover these costs, but the answer depends entirely on your specific coverage and the accident circumstances.

The Bottom Line: Auto insurance will pay for accident towing if you have collision or comprehensive coverage on your policy. Basic liability insurance won’t cover it. When another driver causes the crash, their liability coverage should handle your towing expenses.

Calling a Tow Truck Without Insurance: Your Options

Mon, 26 Jan 2026 10:41:00 +0000

Bottom Line: Absolutely. Towing services operate independently of your insurance status and will gladly help for direct payment. Your lack of coverage simply means paying upfront instead of having it handled through a claim. Budget $75-$150 for typical local service, but explore money-saving alternatives first.

Your Action Plan

Contact towing services in your area directly. Use Google to find “towing services near me” and phone the first reputable company. Always request pricing details upfront, asking: “What do you charge for hookup and what’s your mileage rate?” Companies set their own rates regardless of your insurance situation.