Towing and Rental Insurance

Roadside assistance covers the cost of towing and rental reimbursements if your car is disabled while driving up to the policy limits. Because we know this process can be stressful, we’ve compiled this guide to ensure your towing/rental costs are covered. Keep reading to learn more about towing and other important information.

Does Car Insurance Cover Towing?

Towing and labor coverage and limits vary by the insurance provider. But, it usually pays the cost of towing your car to a repair shop. It covers labor charges up to the policy limits. However, this coverage only offers reimbursement payments. You will have to pay for the costs upfront and later file a claim with your receipt for reimbursement payment.

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.

Many insurance providers do not include towing and labor coverages on basic plans. These services are an add-on that will increase your insurance premium. This extra coverage typically does not follow you and only applies to the car insured by your insurance company.

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?

If you only have one car available, rental reimbursement is an economical and vital option to include in your auto insurance policy. Rental reimbursement policies come with a per-day and per-accident limit.

It may be tempting to rent a luxury sports car while your car is being repaired. However, rental reimbursement only allows you to rent a vehicle similar to the one receiving repairs to be reimbursed.

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?

1. You can call Insurance Navy to find your nearest approved provider. They will get paid directly and avoid any extra paperwork on your behalf.
2. 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.

Car Insurance For Rental Cars

Once you select a rental car, most rental businesses will ask if you want to purchase additional coverage. You want to ensure you have protection in case of a collision but do not want to pay for unnecessary coverages. Suppose you choose to buy more coverage for the rental car. The rental reimbursement coverage does not cover the added charges in that case.

To determine if you need to purchase auto insurance from a rental business, review your auto insurance policy and compare that to what the rental place offers. Suppose your car insurance policy has collision and comprehensive coverage. In that case, this coverage transfers to the rental car you are using while your vehicle is replaced.

More Information on Towing and Rental Insurance

Do you have any additional questions regarding our roadside assistance program, such as battery jump starts or fuel delivery? Our agents and customer service representatives are here to help with your emergency roadside assistance needs. Call us today at 888-949-6289 or visit your nearest Insurance Navy location. Because we care about your convenience, our offices are open from 8 a.m. to 9 p.m. CST. Moreover, they are open seven days a week.

We can also help you find an insurance quote on our website. Because we want to help you save money wherever possible, we offer our insurance quotes free of charge. By navigating our website, you can also inform yourself about many valuable topics, such as coverage for repairing or replacing parts for your car after a crash, how to file a police report, and why you should never admit fault immediately following a car crash.

*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.