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Is Towing Covered by Car Insurance? (Comprehensive Guide)

If you are asking is towing covered by car insurance after a crash, the answer is usually yes. Nobody wants an unexpected bill on top of a stressful day. Understanding your policy can save you hundreds of dollars.

At Big Boy Towing, we deal with insurance companies daily. Therefore, we can help you understand your coverage and, in many accident cases, bill your insurer directly so you pay $0 upfront.

Does insurance cover towing?

It depends on the cause. If you have Comprehensive Insurance, towing after an accident is almost always covered. However, mechanical breakdowns are usually not covered unless you have “Roadside Assistance.” Big Boy Towing works with all major insurers to make the claim process easy.

Is towing covered by car insurance guide showing a tow truck and paperwork.

Is Towing Covered by Car Insurance for Accidents?

The answer to “is towing covered by car insurance” depends entirely on why you need a tow.

  • Accident Towing (Covered): If you have Comprehensive or Third Party Fire & Theft insurance, towing from the scene of a crash is a standard benefit.
  • Breakdown Towing (Not Covered): Standard insurance does NOT cover mechanical failure. You need separate “Roadside Assistance” for this.

How We Help with Insurance Tows

Dealing with call centers is a nightmare. Consequently, we make it easy. If your policy covers towing, we can often:

  1. Bill Direct: We send the invoice straight to your insurer.
  2. Store Securely: We keep your car in our secure holding yard until the assessor arrives.
  3. Provide Evidence: We take photos of the scene to support your claim.

For specific policy wording, always check your Product Disclosure Statement (PDS). You can find general advice on the MoneySmart Car Insurance Guide .

What If Towing Is Not Covered by Car Insurance?

If you find out the answer to “is towing covered by car insurance” is NO, don’t panic. Big Boy Towing offers:

  • Fair Fixed Rates: We give you an affordable quote upfront.
  • Payment Options: We accept credit cards and EFTPOS on the spot.
  • Cheap Transport: We can tow you to a budget-friendly mechanic, not just the expensive dealership.

Get Your Tow Sorted Now

Insured or not, we will get you home. Call Big Boy Towing for fast, reliable accident towing  today.