What is Automobile Towing and Labor Coverage?

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When you first start searching for auto insurance quotes in Downey, you’re going to come across a number of companies asking whether or not you’d like to purchase towing and labor coverage. While towing and labor coverage was once very rarely found on automobile insurance policies, it is quickly becoming a popular addition to most policies.

Defining Towing and Labor Coverage

Towing and labor coverage gives drivers peace of mind as they travel. This coverage will pay the full cost of towing a vehicle, regardless of whether or not it was involved in an accident.

In the past, insurance companies would include towing and labor coverage within the comprehensive and collision limits of a policy. This meant, however, that the insurance company would only pay for towing and labor needs that occurred as a result of an automobile accident to which those coverage limits would have typically responded.

Make sure you request towing and labor coverage when you work on your Downey auto insurance quotes. The cost is nominal and if you don’t want the coverage you can have it easily removed from the quote.

What does Towing and Labor Coverage Include?

If you have an incident on the road, all you need to do is call your insurance company, explain the situation, and wait for them to dispatch help to your area. You can use towing and labor coverage for a wide variety of reasons. These include:

  • Jumpstarting a car after the battery has died
  • Obtaining fuel if you run out of gas
  • Changing a flat tire
  • Getting your car pulled out of water, snow, or mud
  • Getting your keys out of a locked car

These are just a few examples of how towing and labor coverage can be used in addition to standard services offered if you are in an automobile accident. You’ll find that including towing and labor coverage in your Downey auto insurance quotes is well worth the few extra dollars it costs.

Are There any Drawbacks?

The only drawback to having towing and labor coverage through your automobile insurance policy is that the coverage only applies per vehicle – meaning you can purchase it for one and not the other. If you obtain an auto insurance quote in Downey you’ll have the option to choose which vehicles you want to have towing and labor coverage. If you have an incident in a vehicle you did not purchase coverage for you won’t be able to get help. Most companies also limit towing and labor coverage to those vehicles that have full comprehensive and collision coverage as well.

If you have an older car, or multiple cars, you might be better off with a standard towing and labor plan through an outside source. If you have a newer car, make sure you include towing and labor as you use our sites to compare quotes. You won’t regret the decision to purchase added protection.

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