As we all know, the cost of any insurance policy is determined by a variety of factors. It can depend on the insurance company, the type of car, and even your age. Your car insurance, credit card, or roadside assistance plan may cover it. If your vehicle breaks down, you may need to call a tow truck to take you to a place where they can repair it.
How much will that trailer cost you? The answer depends on several elements. In this article, we'll explain what you need to know and how you can save some money. Your auto insurance policy may cover the trailer if you choose to include it as part of your coverage. Depending on the insurance company, the trailer may be covered as part of the optional collision and comprehensive insurance of your policy, or you can purchase roadside assistance or towing and labor coverage as an add-on to your policy. However, you may still have to pay something out of pocket if your policy has a deductible. If your car is damaged due to an accident in which another driver was at fault, that driver's liability coverage can pay for your car to be towed.
Whether your policy or another driver's policy is going to pick up the bill, make sure to keep all the documentation in case you need to request a refund. Some credit cards also offer free or low-cost roadside assistance as a benefit for cardholders. So it's worth knowing what your credit card will cover before you need to use it and also what phone number to call if you do. Although it's probably the most well-known, AAA isn't your only option for roadside assistance. Investopedia publishes a regularly updated list of the best roadside assistance plans for different drivers' needs.
How much does it cost to tow a car? AAA. If you have questions about your roadside assistance coverage, contact your auto insurance agent. However, this isn't universal, and many labor and towing policies (especially those offered by an independent company such as AAA) allow you to use coverage no matter what car you drive. Towing and labor coverage is exactly what it sounds like: insurance coverage that pays for towing and labor costs if you need help. If your vehicle had to be towed after an accident with covered loss, your auto insurance policy will most likely cover the cost of the trailer included in your claim, even without you selecting roadside assistance. Towing and labor cost coverage, also known as roadside assistance, is exactly what it sounds like: insurance coverage that pays for towing and labor costs if you need help.
Some insurance policies may be configured to cover a 100-mile trailer, regardless of how much the towing company charges. The cost of AAA membership varies by location and type of membership, but in many cases it will be cheaper than the cost of towing a car. However, there may be cases where a company doesn't provide coverage for a specific type of vehicle or requires you to pay a higher rate for services, so check with your insurance agent for information on specific coverage issues. The “work” part of your towing and labor coverage refers to the service technician and your time, as well as the work he does to get you back on the road. If you belong to a roadside assistance program through your car insurance or a club like AAA, you can call them for help with finding someone who can tow your car.
For example, if you run out of gas, your towing and labor coverage will cover the cost of having someone bring you a few gallons of gas; however, the cost of the fuel itself is something you're expected to pay out of pocket. This means that you probably won't have coverage if you're driving a friend's car and need help unless you also have towing and labor coverage. Towing and labor coverage will vary from company to company but may include towing, changing tires, quick start, winch services, locksmith services, and gas or oil supply. Review your policy carefully so that you know exactly how many times you can use your coverage before reaching its maximum benefit limit. It's important that you understand your coverage when buying it so that there are no misunderstandings about how much it covers and what steps should be taken when needing a trailer.