Before you find yourself in a situation where you urgently need towing services, it's crucial to understand whether your insurance policy covers it. This article delves into the specifics of towing coverage, helping you navigate the complexities of insurance policies and roadside assistance. We'll explore the nuances, provide detailed information, and share some lesser-known statistics to ensure you're well-prepared.
If you own a new car, you might already have towing coverage without even realizing it. Many new car warranties include roadside assistance, which often covers towing services. According to the National Automobile Dealers Association (NADA), approximately 90% of new cars come with some form of roadside assistance. This service is typically valid for the duration of the warranty, which can range from 3 to 5 years.
Even new cars can experience issues like flat tires, shattered windshields, or unexpected breakdowns. These situations don't discriminate based on the age of the vehicle. Therefore, it's essential to know your coverage options before an emergency arises.
Understanding the difference between roadside assistance and accident insurance is crucial for making informed decisions about your coverage.
Roadside assistance typically covers:
Accident insurance, on the other hand, covers towing in the event of a collision. If your car needs to be towed from the scene of an accident, this service is usually included as part of the accident claim. According to the Insurance Information Institute (III), most comprehensive and collision insurance policies include towing and labor coverage as an optional add-on.
If your new car warranty has expired, it's wise to consider adding roadside assistance to your existing insurance policy. The cost is generally minimal compared to the peace of mind it provides. According to a Consumer Reports survey, the average cost of adding roadside assistance to an insurance policy is around $15 per year.
| Service Type | Average Annual Cost | Coverage Details |
|---|---|---|
| New Car Warranty | Included | Covers towing, flat tires, dead batteries, and more for 3-5 years |
| Roadside Assistance | $15 | Covers towing, flat tires, dead batteries, lockouts, and fuel delivery |
| Accident Insurance | Varies | Covers towing in the event of a collision, usually included in comprehensive and collision policies |
Understanding your towing coverage can save you from unexpected expenses and stress. Whether you rely on a new car warranty or add roadside assistance to your insurance policy, being prepared is key. Always review your policy details and consult with your insurance provider to ensure you have the coverage you need.
By taking these steps, you can drive with confidence, knowing that help is just a phone call away if you ever need it.
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