Whether insurance covers a tow depends on your specific policy — many auto policies only include towing under added roadside-assistance or comprehensive coverage, not standard liability. Check your policy or call your insurer before the truck arrives. If towing isn't covered, published local rates in the Davie market run $50 to $350, depending mainly on distance.
What kind of insurance actually covers towing?
Coverage depends on the specific policy, not on insurance in general. Comprehensive and collision coverage often include towing after an accident; basic liability usually doesn't. Many drivers only get towing coverage if they've added a separate roadside-assistance rider.
What does it cost if your policy doesn't cover it?
If towing isn't covered, you pay out of pocket at the time of service. Published local rates in the Davie towing market run $50 to $350, based on figures from four area providers, with distance being the main factor.
Does the same logic apply to lockouts and winch-outs?
Often, yes — lockout and winch-out calls are usually billed under the same roadside-assistance coverage as towing, or not at all under basic liability. Published local rates run $25–$350 for lockouts and $50–$375 for winch-outs, so it's worth confirming both with your insurer, not just towing.
Will my insurance pay for a tow after an accident?
It depends on your policy — coverage for post-accident towing is usually bundled with comprehensive or collision coverage, not basic liability. Confirm with your insurer before the tow truck arrives so you know whether to expect a bill.
What if I don't have towing coverage?
You pay out of pocket at the time of service. Published local rates in the Davie towing market run $50 to $350, mainly driven by distance, though your specific job may cost more or less.
Does the same coverage apply to lockouts?
Not always — lockout service is sometimes billed separately from towing even under the same policy. Published local lockout rates range from $25 to $350, so ask your insurer specifically about lockout coverage, not just towing.