Does Your Auto Insurance Cover Towing in LA?

Los Angeles is a city of endless freeways, bumper-to-bumper traffic, and the occasional roadside emergency. Whether you’re stuck on the 405 during rush hour or your car breaks down in the middle of Hollywood, one question looms large: Does your auto insurance cover towing in LA?

With rising gas prices, inflation, and the increasing frequency of extreme weather events (hello, unexpected flash floods), understanding your auto insurance policy has never been more critical. Let’s break down what you need to know about towing coverage in the City of Angels.

Understanding Towing Coverage in Auto Insurance

Not all auto insurance policies are created equal. Some include towing as a standard feature, while others require you to add it as an optional rider. Here’s what you need to know:

1. Types of Towing Coverage

• Roadside Assistance Add-Ons: Many insurers offer roadside assistance as an add-on, which typically includes towing, jump-starts, and lockout services.
• Comprehensive Coverage: If your car is damaged in a non-collision incident (like a fallen tree or flooding), comprehensive coverage may include towing.
• Basic Liability Insurance: If you only carry the state-mandated minimum, don’t expect free towing—you’ll be paying out of pocket.

2. How Far Will They Tow?

Most policies cap towing distances—usually between 5 to 15 miles. If you’re stranded in downtown LA but your preferred mechanic is in Burbank, you might be on the hook for extra fees.

3. The Fine Print

• Exclusions: Some policies won’t cover towing if your breakdown is due to neglect (e.g., running out of gas).
• Frequency Limits: Unlimited towing is rare—some insurers cap the number of tows per year.

Why Towing Coverage Matters More Than Ever in 2024

Climate Change & Extreme Weather

LA isn’t just about sunshine anymore. Wildfires, mudslides, and sudden storms can leave roads impassable. If your car is stuck in a flood zone, will your insurer tow it to safety?

Rising Costs of Towing Services

Inflation has hit the towing industry hard. A simple tow in LA can now cost $100–$300+, depending on distance and time of day. Without coverage, that’s an unexpected financial hit.

EV Owners Beware

Electric vehicles (EVs) are booming in LA, but not all tow truck drivers are trained to handle them. Some insurers now offer specialized EV towing—check if yours does.

How to Check If Your Policy Covers Towing

Step 1: Review Your Policy Documents

Look for terms like:
- "Roadside Assistance"
- "Emergency Towing"
- "Mechanical Breakdown Coverage"

Step 2: Call Your Insurer

Don’t rely on fine print—ask directly:
- "Is towing included?"
- "What’s the maximum distance?"
- "Are there any hidden fees?"

Step 3: Compare Alternatives

If your insurer doesn’t offer good towing coverage, consider:
- AAA Membership: Often includes better towing benefits than standard insurance.
- Third-Party Roadside Services: Companies like Urgent.ly or Honk offer pay-per-use towing.

What to Do If You Need a Tow in LA

1. Stay Safe

• Pull over to a safe location.
• Turn on hazard lights.
• If on a freeway, exit the vehicle only if absolutely necessary.

2. Contact Your Insurer or Roadside Service

Have your policy number and location ready.

3. Avoid Scams

Unlicensed tow trucks sometimes patrol LA streets looking for easy targets. Always verify credentials before handing over your keys.

Final Thoughts

In a city where traffic jams are a way of life, being unprepared for a breakdown isn’t an option. Whether you’re a long-time Angeleno or a new transplant, double-checking your towing coverage could save you time, money, and a whole lot of stress.

So next time you’re stuck on the 101, you’ll know exactly who to call—and more importantly, who’s footing the bill.