Quick Answer: Liberty Mutual’s standard towing coverage typically covers $100-150 per incident. Enhanced roadside assistance plans can provide $200-500 coverage. Your exact limit is listed on your policy declarations page under “Emergency Road Service” or “Roadside Assistance.”
What To Do
- Check your declarations page immediately - Look for “Emergency Road Service,” “Roadside Assistance,” or “Towing Coverage” sections
- Call Liberty Mutual directly at 1-800-290-8711 to verify your current coverage limits
- Ask the tow truck driver for an estimate before they hook up your vehicle
- Get a written receipt showing the total towing cost and distance
- Submit your claim online through Liberty Mutual’s app or website with your receipt
- Pay any amount over your limit out of pocket at the time of service
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Coverage Details by Policy Type
Basic Auto Policy:
- Usually $100-150 per towing incident
- Covers towing to nearest qualified repair facility
- May include one free tow per policy year
Enhanced Roadside Assistance:
- Typically $200-500 per incident
- Higher annual limits (often 3-4 incidents)
- May cover towing to facility of your choice
Platinum Coverage:
- Up to $500+ per incident
- Unlimited distance to preferred repair shop
- Additional perks like rental car coordination
What It Might Cost
Standard towing runs $75-125 for local distances. Long-distance tows can hit $200-400+. If your Liberty Mutual limit is $150 and your tow costs $275, you pay $125 out of pocket.
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Important Notes
- Distance matters: Coverage may specify “nearest qualified facility”
- Some policies have annual limits, not just per-incident limits
- Luxury or specialty vehicles may exceed standard coverage quickly
- Weekend and holiday towing often costs more
Need roadside help? Visit Tow With The Flow for real answers when your car breaks down.