Quick Answer: Farmers Insurance covers towing up to your policy limits if you have comprehensive or collision coverage, or purchased roadside assistance. File your claim within 24-72 hours with receipts, photos, and incident details. Reimbursement typically takes 5-10 business days after approval.
What To Do
Check your coverage immediately. Log into your Farmers app or call 1-888-327-6335 to verify you have comprehensive, collision, or roadside assistance coverage that includes towing.
Keep all paperwork. Save your towing receipt, any repair estimates, and take photos of your vehicle’s condition and location where it broke down.
File your claim fast. Report the incident within 24-72 hours through the Farmers app, website, or by calling their claims line at 1-800-435-7764.
Provide complete information. Include the exact breakdown location, time, cause of breakdown, towing company name, distance towed, and total cost.
Submit required documents. Upload or email your towing receipt, any photos, police report (if applicable), and repair shop estimates if the vehicle needs work.
Follow up if needed. Check your claim status through the app or call your adjuster directly if you don’t hear back within 5 business days.
Photo: Pexels
What It Might Cost
Farmers typically covers towing costs up to these limits:
- Basic roadside assistance: $100-150 per incident
- Comprehensive/collision claims: Actual towing costs as part of covered repairs
- Enhanced roadside: Up to $200-300 depending on your policy
Your deductible applies to comprehensive or collision claims, but not to standalone roadside assistance coverage.
Photo: Pexels
Stay Safe
• Never leave your broken-down vehicle unattended without proper warning devices • Get the tow truck driver’s license and insurance information • Verify the towing company is legitimate before allowing them to hook up your car • Take photos of any vehicle damage before and after towing • Keep your insurance card and policy number easily accessible in your phone
Need roadside help? Visit Tow With The Flow for real answers when your car breaks down.