Towing and Rental Insurance
Get a Cheap Towing and Rental Insurance Quote
Roadside assistance covers the cost of towing and rental reimbursements if your car is disabled while driving up to the policy limits.
Does Car Insurance Cover Towing?
Towing and labor coverage is an add on that you can pay a little extra for, and it costs anywhere from $50 to $120 per year.
Most of the major players like Progressive, GEICO, State Farm and Allstate offer this kind of coverage but the limits vary quite a bit. Insurance Navy bundles it into a more comprehensive roadside assistance package instead.
What Does Towing And Labor Coverage Include?
Towing.
Tire changes.
Jumpstarts.
Lockout help.
Gas delivery.
Oil delivery.
The labor cost refers to labor charges you may incur at the scene of the breakdown. The coverage, however, does not cover the cost of any needed parts.
For example, towing and labor coverage will jumpstart your car if it runs out of battery. But, it will not cover the costs of replacing a faulty battery.
Getting reimbursement for towing and labor coverage is simple. All you will need is proof of payment. After that, you’ll be able to get your money back.
Towing Reimbursement Process
To request towing reimbursement, have the following information ready to file a claim:
Receipt for towing and labor service bill.
Your name.
Vehicle year, make, and model.
Home address.
Phone number.
Policy number.
Does Car Insurance Cover Rental Reimbursement?
Rental reimbursement is another optional add-on that costs $30 to $60 per year and covers you for up to 30 days with a maximum daily limit of $30 to $50. If your car gets damaged and can't be driven, this coverage kicks in.
With rental reimbursement, you get to rent something comparable to your insured car like an economy or mid-size vehicle. If you want to rent something fancier, you're on your own for the difference in cost.
Rental reimbursement coverage pays for rental car costs if your car has been damaged:
In a car accident.
By theft or vandalism.
Due to severe weather.
This coverage will not offer reimbursement for a rental you need while your regular vehicle is in the shop for routine maintenance, repairs, or recreational purposes.
According to the Insurance Information Institute, on average, a car is in the repair shop for two weeks after an accident.
Moreover, renting a car for those two weeks can be very expensive. People in this situation learn that rental reimbursement does not come with basic policies.
How Can You Use Your Rental Reimbursement Coverage?
You can call Insurance Navy to find your nearest approved provider. They will get paid directly and avoid any extra paperwork on your behalf.
You can rent a car from the rental company of your choice and pay for the cost upfront. You must submit receipts and complete other paperwork to be reimbursed for the rental.
More Information on Towing and Rental Insurance
Insurance Navy can get you a quote for towing and rental coverage in an all included Roadside assistance policy. Give us a call on 888-949-6289 or stop by one of our locations. We're open from 8 a.m. to 9 p.m. CST seven days a week.
*Please review your policy carefully for details on towing and rentals. Towing and rental coverage vary by the insurance company.
*This product may only be available in some states; please call an agent for more information.