Which Insurance Providers Do and Don’t Cover Towing?

When it comes to towing coverage, insurance policies can vary widely among providers. In Idaho, some insurance companies offer towing coverage as part of their standard auto insurance policies, while others may require you to purchase additional roadside assistance coverage. Here's a general overview of which Idaho insurance providers do and don't cover towing:

Providers That Typically Cover Towing:

● State Farm: Offers towing and roadside assistance as an add-on coverage.

● Geico: Provides towing coverage through its Emergency Road Service add-on.

● Allstate: Offers Towing and Labor Costs coverage as an optional add-on.

● Progressive: Provides towing coverage through its Roadside Assistance add-on.

● Farmers Insurance: Offers Towing and Roadside Assistance as an optional coverage.

● AAA: Well-known for its comprehensive roadside assistance services, including towing.

Providers That May Not Include Towing in Standard Policies:

● Liberty Mutual: Towing coverage is available but may require additional purchase.

● USAA: Offers towing and roadside assistance, but it's typically an add-on coverage.

● Nationwide: Roadside assistance, including towing, is available but may require additional purchase.

It's important to note that coverage options and availability can vary based on your specific policy and location. To ensure you have the coverage you need, it's best to contact your insurance provider directly to inquire about their towing and roadside assistance options.

Which Ones Do and Don’t Cover Motorcycle Towing?

Here's a general overview of which providers do and don't cover motorcycle towing:

Providers That Typically Cover Motorcycle Towing:

● Progressive: Known for its extensive motorcycle coverage, including towing and roadside assistance.

● Geico: Offers motorcycle roadside assistance, which includes towing services.

● Allstate: Provides towing and labor coverage as part of its motorcycle roadside assistance package.

● Nationwide: Offers roadside assistance for motorcycles, including towing services.

● Foremost: A part of Farmers Insurance, offers motorcycle roadside assistance with towing.

Providers That May Not Include Motorcycle Towing in Standard Policies:

● State Farm: Offers motorcycle insurance, but towing and roadside assistance may require additional coverage.

● Liberty Mutual: Provides motorcycle insurance, but towing and roadside assistance are often optional.

● USAA: Offers motorcycle insurance with optional roadside assistance, including towing.

Does Roadside Assistance Cover Towing?

Yes, roadside assistance typically covers towing. Towing is one of the most common services included in roadside assistance packages. If your vehicle can’t be safely driven, it will be towed to a nearby repair shop or a location specified in your policy, usually up to a certain distance or cost limit. Below is a list of services generally included with roadside assistance:

1. Towing

2. Jump-starts

3. Flat Tire Change

4. Lockout Service

5. Fuel Delivery

6. Winching

7. Minor On-site Repairs

Does Insurance Pay for Roadside Assistance?

Yes, many insurance companies offer roadside assistance as an optional coverage that you can add to your auto insurance policy. However, it's important to check with your specific insurer to see if roadside assistance is available and what services are included with your specific coverage.

Does Roadside Assistance Count As a Claim?

Most often, the answer is yes. When you have roadside assistance coverage and your vehicle encounters a non-accident-related breakdown, you can initiate a claim to utilize your coverage. However, for roadside assistance claims, your insurance company might direct you to call a specific hotline that will promptly send out a service provider, bypassing the usual car insurance claim procedure.

When Does Car Insurance Cover Towing?

Car insurance covers towing if you have roadside assistance coverage or if the towing is related to a covered claim, such as an accident or damage from a covered peril (e.g., fire, theft, vandalism). The specifics can vary depending on your policy and insurer.

Does Car Insurance Cover Impound Fees?



Car insurance typically does not cover impound fees These fees are considered the responsibility of the vehicle owner and are not related to the coverage provided by standard auto insurance policies. However, some insurance policies may offer coverage for towing fees up to a certain limit, but this generally does not extend to impound storage fees. Does Car

Insurance Cover Towing Conclusion

When it comes to towing coverage for both cars and motorcycles in Idaho, it's important to review your insurance policy and understand what is included. While many providers offer towing as part of their roadside assistance packages, coverage can vary, and some may require additional purchase.

For those in the Treasure Valley who find themselves in need of a tow, QuickTow Recovery is a reliable option that will make sure you and your vehicle are taken care of safely. Remember to always check with your insurance provider to confirm your coverage details before you find yourself in a situation where you need a tow.