Does Liability Insurance Cover Towing

Auto liability insurance is valuable in accidents with multiple consequences.

Yet, it’s not all-encompassing. Knowing its coverage scope is crucial.

What Is Liability Insurance?

Liability insurance is a form of auto insurance coverage that most states, by law, require drivers to have.

This type of personal insurance provides protection in the event that you are responsible for an accident which results in damages to another person(s) or their property.

Does Liability insurance cover towing
Liability insurance on towing: Photo (Insureon)

What Does Liability Insurance Cover?

Auto liability coverage policy generally covers two types of claims:

Bodily Injury

If you are at fault for an auto accident that results in injuries to the other party, bodily injury liability will pay for this individual’s related medical expenses. In certain cases, this type of protection may also cover legal fees and/or lost income should the other driver file a lawsuit against you.

Property Damage

If you are responsible for an accident in which another party’s property is damaged, this type of liability protection will typically cover the associated repair or replacement costs. In addition to the other driver’s vehicle, telephone poles, fences and other similar structures are also considered “property” for this type of claim.

The limits for each of these two forms of protection often vary depending on the state.

What Does Liability Insurance Not Cover?

While helpful, auto liability coverage has limitations. It doesn’t cover:

  • Your medical expenses
  • Damage to your vehicle or property you own

It also excludes animal/weather accidents or theft/vandalism.

You need collision/comprehensive coverage for these cases, often required for leased/financed cars.

Does Liability Insurance Cover Towing?

Standard auto liability policies don’t usually cover towing costs. You’ll need a special policy for that.

Auto insurance also doesn’t typically cover towing due to mechanical issues. Roadside assistance, which includes towing, can be added to your policy.

If you’re not at fault in an accident, the other driver’s insurance might cover towing. Comprehensive and collision coverage or separate roadside assistance can also help.

Towing insurance often includes locksmith and tire change services. Check policy details and exclusions with your provider. There are various policies to match your needs and budget.

Remember, auto liability insurance only covers injuries and property damage from accidents.

Towing for severe damage often requires a separate specialty policy. Assess your needs and risks before choosing coverage.

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