Is tow truck service covered under your auto insurance policy? Most likely not. Many insurance companies are wary of granting tow truck service coverage. Mechanical failure is one of the most common reasons why individuals need towing help, and it’s a problem that insurance companies don’t like to deal with. It is costly and can occur multiple times.
Drivers will never be stranded on the road because their cars won’t start if we live in a perfect world. Unfortunately, we do not live in an ideal world. And vehicle breakdowns are something we have to deal with on a regular basis. Drivers in Brisbane are frequently inconvenienced by having to wait for a buddy to tow their car to the nearest auto body shop. However, when you’re out in the middle of nowhere, it’s not always possible to rely on it.
People engage towing firms like Fast Sydney Towing for this reason.
Hence people hire tow truck services like Austow. We’ll provide you with hassle-free tow truck services so you can get to the mechanic as soon as possible.
But you’re certainly curious about the cost of the tow truck service. Will your auto insurance cover the cost of the service? The answer to this inquiry is determined by your insurance policy.
Here is everything you need to know about the inclusion of towing in your car insurance:
Coverage for Towing:
Tow truck service is usually not covered by most car insurance policies. You’re more than likely to have a car breakdown, especially if you’re in an unfamiliar area. As a result, it’s only natural that you hunt for the best insurance to meet your demands. You can be one of those people who just want to feel safe when driving on unfamiliar roads. After all, anything can happen, including running out of gas or blowing a tyre.
If you’re a tradie with insurance, the last thing you want to find out when you’re broken down and late for a job is that you don’t have tow truck see https://www.austow.com.au/Services/rvice insurance on your policy.
You require to get towing included in your car insurance policy. It’s known as towing and labour coverage by certain companies, so check to see if it’s included in your policy. Towing and labour coverage is a cheap add-on that you can acquire from most major auto insurance companies.
If you don’t see towing and labour coverage on your current policy, that indicates tow truck service is not covered. You must pay for the service entirely with your own funds. However, this does not imply that you are unprotected. If you don’t have towing and labour coverage but have any of the following, your towing service in Sydney may still be covered:
- A separate insurance company or service can provide roadside assistance.
- Coverage that is comprehensive
- Complete coverage
- Collision and liability insurance
If you were in an accident and it was determined that you were not at fault, you may be covered for future towing, which will be deducted from the at-fault driver’s insurance coverage.
Roadside assistance may not be included in your policy if you simply have liability insurance and no additional collision coverage. As a result, towing services may be excluded from coverage.
The consumer may become perplexed, which is why you must ask the appropriate questions. If you’re concerned about towing services, check with your insurer to see if you’re covered.
The good thing is that you can narrow down your search. Towing services are frequently included in comprehensive automobile insurance policies. If you need towing, you’re covered, though some providers restrict the radius of where your car will be towed for safety or repair.
Some insurance companies offer free roadside assistance, while others offer third-party fire and theft coverage that includes towing. Always double-check your documentation to make sure you understand what you’re paying for.
Towing Coverage: What You Need to Know
Your automobile may be left in a difficult-to-reach location in the event of an accident or theft. Thieves may, for example, abandon the vehicle far from your usual path. These situations are usually covered by comprehensive plans. Meanwhile, if you have third-party fire and theft insurance and your automobile was stolen and left in an abandoned place, towing may be included in your policy. If you were in a fire accident, tow truck service may also be covered. If it is a car accident or any other type of road accident, that coverage will not cover it.
There is one thing you must remember whether you have comprehensive insurance or fire and theft coverage. One of the first things you should do is contact your provider – after ensuring that everyone is safe, of course.
Before you may file a claim, you must notify your insurer about the incident. It’s an important step that many customers overlook. As a result, they are unable to obtain the towing service or coverage that they require. Some automobile insurance companies will arrange for a tow for you, but the majority will leave it up to you. You can call Austow Towing services in this situation, and we’ll be there in no time.
Even if your insurance provider allows you to choose your preferred car towing service, you should always inquire about the policy’s inclusions and exclusions. As a result, you won’t have to pay for services that aren’t covered by your auto insurance.
Most insurers do not impose a distance limit, so you can have your car towed to your desired location without incurring additional costs. They will, however, commonly stipulate that your tower can only transport you to the nearest repairer, storage, or residence. You should double-check the details of your policy once more. For example, an insurer may cover tow truck service but only to one location, such as a repair shop, rather than your home.
Roadside Assistance:
Tow truck service is frequently covered by roadside assistance. It is not, however, as extensive as incident coverage. The size and distance of free towing from roadside assistance policies are usually limited. To find out about these restrictions, check with your insurance and policy.
If you live in an urban region, for example, you may only be able to tow your car for free up to 20 kilometers. If your vehicle breaks down on the side of the road in a rural region, your insurance coverage may cover free towing for up to 50 kilometers. These distance restrictions are only guidelines. Check with your insurer or your policy paperwork for the most up-to-date information.
When it comes to vehicle sizes, some insurers may only allow free towing if your automobile is under a specific height and weight limit. Free towing is normally limited to three to 3.5 tonnes, depending on the carrier. The vehicle must be no more than four metres tall.
Advantages of Including Towing in Your Car Insurance Policy:
Roadside assistance and other policies that cover towing services pay for themselves over time. They only cost a few dollars to your premium, but they provide good protection against a range of hazards while driving. When you need a towing service, it can be a stressful scenario, but with Austow Tow Truck Services and your auto insurance, it can be a lot less stressful.
You will require assistance with towing at some point in your life, particularly if you drive frequently.
Here are the main reasons why towing should be included in your auto insurance:
- Get Help Right Away:
Because of your insurance coverage, you will have your automobile towed right away. We also guarantee that if you choose Austow towing services, we will get your vehicle hauled faster than other businesses. We will transport you to the nearest mechanic up to the distance covered by your insurance coverage.
- Towing assistance is available around the clock:
Accidents typically occur at night, and often at inconvenient times. If you require a towing service in Brisbane, though, you need not be concerned. All you have to do now is contact your insurance and explain your situation. Then you can call us to arrange for a towing vehicle that is appropriate for your needs. We’ll be there right away, at any time.
- Relax and unwind:
A towing claim is simple to make, especially if you have roadside assistance coverage. All you have to do is contact your insurance company (some have an app where you can make a claim). Then you can proceed to tell them about the situation in detail. More significantly, talk about whether or not you require roadside assistance. You can also pay for the tow truck service and then receive reimbursement.
Depending on your insurance arrangement, we will transport your vehicle to your insurer’s chosen repair facilities or to your selected location. Before you hire us, make sure you have saved your receipt and called your insurance company.
Before purchasing vehicle insurance, as with any other policy, you should always compare quotes. Check to see if they provide roadside help (tow truck service) or other essentials such as theft, fire, and accidents.