Quick Answer: Your comprehensive auto insurance typically covers towing after an ice-related accident if you have collision coverage. Roadside assistance through insurance or AAA may also apply. Without coverage, you pay out of pocket, usually $75-200 depending on distance and complexity.
What To Do
- Call 911 if injured or blocking traffic
- Contact your insurance company immediately to report the incident
- Check your roadside assistance coverage before calling a tow truck
- Ask the tow operator about payment before they hook up your vehicle
- Take photos of the scene and vehicle damage for insurance claims
- Get a receipt from the towing company regardless of who pays
Photo: Pexels
Insurance Coverage for Ice Accidents
Collision coverage pays for towing when your car slides off the road due to ice. This applies even if no other vehicles are involved.
Roadside assistance through your insurance may cover the tow if you have this add-on. Maximum coverage is usually $100-150 per incident.
Comprehensive coverage alone typically won’t cover ice slide-offs unless you hit an animal or object.
Roadside Assistance Options
- AAA membership: Covers towing up to certain mileage limits
- Credit card benefits: Some cards include roadside assistance
- Vehicle manufacturer programs: Check if your car has built-in coverage
- Cell phone carrier plans: Some include roadside help
What It Might Cost
- Short distance tow: $75-125
- Highway or long distance: $125-200+
- Winching from ditch: Additional $50-100
- After-hours service: 25-50% surcharge
When You Pay Out of Pocket
You’ll pay directly if you have:
- Liability-only insurance
- No roadside assistance coverage
- Exceeded your annual roadside limits
- Used a non-approved towing service
Photo: Pexels
Stay Safe
• Turn on hazard lights immediately • Exit vehicle away from traffic if safe • Stay visible with reflectors or phone flashlight • Don’t attempt to drive out if wheels are spinning • Wait inside vehicle if on a busy road
Need roadside help? Visit Tow With The Flow for real answers when your car breaks down.