Does Comprehensive Car Insurance Cover Towing?
Comprehensive car insurance is the best way to protect your vehicle against accidents, fire, theft and damage. If something goes wrong, your insurer will typically pay for all repairs and get you back on the road sooner.
Your insurance coverage may include extras, such as a hire car following an accident. In this article, we’ll see whether comprehensive car insurance covers towing, and what Queensland’s most popular insurers have to say.
Does Comprehensive Car Insurance Cover Towing?
Comprehensive car insurance usually covers the cost of towing if you’re in an accident, your vehicle is stolen, or the vehicle is unsafe to drive due to accidental damage (e.g. damage caused by a storm).
Your insurer won’t pay for breakdown towing due to vehicle failure – you’ll need to pay for that out of pocket.
Each insurer has their own policy regarding towing. Check your PDS or contact your insurance company to find out whether you’re covered for towing. Here are some helpful links to Queensland’s most popular insurers:
How to Organise a Tow Truck After an Accident
You have two options for organising a tow truck if you’ve been in an accident or if your vehicle is damaged. You can:
- Book a tow truck directly – Your insurer will cover reasonable towing costs, even if you book a tow truck yourself. Choosing your own towing company gives you the freedom to use a service you trust, and it’s often much faster than calling your insurer. Be aware that accident towing is highly regulated in Queensland. No matter which company you choose, there’s a limit on how much they can charge for towing and storage.Ask for a receipt once your car is towed. You’ll need to reclaim the expense from your insurer. Keep in mind that you’ll still need to have your vehicle assessed and repaired by your insurer. The insurer can provide further information on where to tow your vehicle.
- Call your insurer – You should contact your insurer as soon as possible if you’re in an accident. They can also arrange a tow truck, and they’ll help you sort out any other details, like images of the accident. Most insurers work with private towing companies like Harvey’s Towing. When you call your insurer, they’ll call us and we’ll come to your rescue.
If your vehicle is broken down, or if you need towing that’s not covered by insurance, you’ll need to book a tow truck yourself. You can still call your insurer if you’re unsure how to find a reliable towing service. The insurer won’t cover the cost of towing, but they can connect you with their preferred towing company in the area.
Harvey’s Towing Works With Queensland’s Leading Insurers!
Car accidents are always a stressful experience, especially if your vehicle is unsafe to drive. When that happens, contact the team at Harvey’s Towing, and we’ll make sure you get home safely.
Harvey’s Towing is the preferred partner of Queensland’s leading insurance companies. You can book us directly, or you can ask for our operators when you call your insurance company.
We’ll come to you wherever you are. Our 24/7 accident coverage means we can tow your vehicle at all hours of the day. We can arrange to take your vehicle home, to a mechanic or to the nearest insurance assessment centre.
Contact us online to make a booking, or call us directly if you need accident and breakdown towing in South East Queensland.
