Important Additions to Your Auto Plan: Towing and Labor Coverage

Posted in Auto Insurance , Auto Insurance Riders

March 2nd, 2009

If you’re like most people, you want to feel as safe and secure as possible, especially when you’re out driving around. What would happen if you were driving across the country, for example, and you had a major car problem that forced you to pull over, and left you unable to continue? It happens all the time. In order to prepare for just such an emergency, it is recommended that you make an important addition to your auto insurance plan: get the optional towing and labor coverage.

With towing and labor coverage as part of your auto insurance policy, you’ll rest easy knowing that if anything happens to your car, you’ll be covered in a time of stress. Towing and labor coverage means that when you’re stranded, your car will be towed to a mechanic shop, and the price of the towing will be covered by your insurance. You will also be covered for the costs of the labor involved in repairing your car. That can really add up, as anyone who’s been to the mechanic recently can tell you.

It is important to remember, however, that with towing and labor coverage, only the labor involved in repairing your car will be covered – towing and labor coverage will not pay for the price of any new parts required to get your car back in operating condition. That will be up to you to cover. It is also important to remember that towing and labor coverage will not, in almost all cases, apply to whatever car you’re riding in. It will only apply to one principal, specified automobile.

Many roadside assistance services, such as AAA, offer towing and labor coverage. If you already have AAA or another roadside assistance plan, you most likely won’t need to get towing and labor coverage through your insurance company. You should also look into rental reimbursement and gap coverage in addition to your towing and labor coverage.

If you have questions about towing and labor coverage or any other aspect of car insurance, be sure to speak to a qualified car insurance professional.