Getting your car towed can be a frustrating and stressful experience, but it can also raise some questions about your car insurance. Many people wonder whether getting their car towed will affect their insurance rates or coverage. In this article, we’ll take a closer look at how car towing can impact your insurance and what you should know to protect yourself.
What Is Towing Insurance?
Towing insurance is a type of coverage that can be added to your auto insurance policy to help cover the cost of getting your car towed. This coverage may be included in your standard policy or may be offered as an optional add-on. If your car is ever towed, towing insurance can help cover the cost of the tow and any other related expenses, such as storage fees or impound fees.
Will Getting Your Car Towed Affect Your Insurance Rates?
In most cases, getting your car towed will not directly affect your insurance rates. However, if your car was towed because of an accident or a traffic violation, such as parking in a no-parking zone, your insurance rates may be impacted. This is because these types of incidents can result in points on your driving record, which can cause your insurance rates to go up.
What Happens If Your Car Is Towed After An Accident?
If your car is towed after an accident, your insurance company will likely cover the cost of the tow as part of your comprehensive or collision coverage. However, you may still be responsible for any storage fees or impound fees that accrue while your car is being held by the towing company. It’s important to check your policy to see what is covered and what is not.
What Happens If Your Car Is Towed Due To A Traffic Violation?
If your car is towed due to a traffic violation, such as parking in a no-parking zone, your insurance rates may be impacted if you are found to be at fault for the violation. This is because these types of incidents can result in points on your driving record, which can cause your insurance rates to go up. However, if you were not at fault for the violation, your insurance rates should not be impacted.
What Should You Do If Your Car Is Towed?
If your car is towed, the first thing you should do is contact the towing company to find out where your car is and how much it will cost to get it back. You should also contact your insurance company to find out what type of coverage you have and whether your policy will cover the cost of the tow. Finally, make sure to keep all receipts and documentation related to the tow and any other expenses you incur as a result of the towing.
Conclusion
Getting your car towed can be a hassle, but it doesn’t have to be a financial burden. By understanding how towing can impact your insurance and taking the necessary steps to protect yourself, you can ensure that you are prepared for any unexpected situations that may arise.
