Quick Answer: Your collision coverage deductible typically applies to accident towing costs, but roadside assistance coverage may pay for towing without a deductible. Check your policy details immediately. Some insurers waive the deductible for total loss vehicles or cover towing separately under different policy sections.
What To Do
Call your insurance company first before authorizing any towing. Get claim number and towing authorization.
Ask the adjuster specifically if towing falls under collision coverage (has deductible) or roadside assistance (usually no deductible).
Request towing to your preferred shop if the vehicle is driveable. Insurance must allow reasonable choice of repair facility.
Get written estimate from tow operator before authorizing service. Accident scenes create urgency, but prices vary wildly.
Keep all receipts including towing, storage, and cleanup fees. Submit everything to your insurer for reimbursement.
Ask about storage fees at the towing yard. These add up daily and may not be fully covered.
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What It Might Cost
Most accident towing runs $100-300 for local distances. Your deductible applies to the entire claim, not just towing. If your deductible is $500 and total repairs are $3,000, you pay $500 total, not $500 plus towing costs.
Storage fees typically run $20-50 per day. Get your vehicle out quickly or ask your insurer about preferred storage facilities with better rates.
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Stay Safe
• Never argue with tow operators about insurance coverage at accident scenes
• Get tow truck license numbers and company information for your records
• Take photos of vehicle position before towing if safely possible
• Ask police for incident report number to provide your insurance company
• Don’t sign blank authorization forms, even under pressure
Need roadside help? Visit Tow With The Flow for real answers when your car breaks down.