Does Car Insurance Cover Towing in Florida?
Your car just died on Northlake Boulevard. Before you call a tow, a fair question pops up: will my insurance pay for this? Sometimes yes. Here is how to find out in about five minutes.
Short answer: basic Florida auto insurance does not automatically include towing. You are usually covered only if you added towing or roadside assistance to your policy, or if the tow follows a crash that your collision or comprehensive coverage handles. Check your policy, call your insurer, and keep your tow receipt.
What Florida car insurance usually covers
| Coverage | Does it usually pay for a tow? |
|---|---|
| PIP and property damage liability (the Florida minimum) | Usually no. These cover injuries and damage to others, not your tow. |
| Towing and labor, or roadside assistance (optional add-on) | Usually yes, up to the limits in your policy. |
| Collision | Often covers towing after a covered crash. |
| Comprehensive | Often covers towing after covered events such as theft recovery, flood or fallen trees. |
Every policy is different, so treat this table as a starting point and check the exact wording of yours.
Other places you might already have coverage
- Your car’s warranty. Many newer cars include roadside assistance for a few years.
- Your credit card. Some cards offer roadside help or towing as a perk.
- A roadside membership. If you pay for one, check its towing distance limit.
- Your phone plan or rental agreement. Less common, but worth a look.
How do you get reimbursed for a tow?
- Call your insurer first, if you can, and ask how they want it handled.
- Get a receipt with the date, the pickup and drop-off addresses, the vehicle and the total.
- Take a photo of where the car broke down, if it is safe.
- Submit the receipt to your insurer or plan as they ask.
We give you a clear receipt for every tow, so the paperwork side is easy.
What if you are not covered?
Then the smart move is a straight quote. Call us with the pickup and drop-off addresses, and we will tell you the price before anything is booked. And sometimes you do not need a tow at all: a jump start, a tire change, fuel delivery or a lockout can get you rolling for less.
Is roadside assistance worth adding?
If you drive a lot, drive an older car or spend time on I-95 and the Turnpike, it can be. If you rarely drive or your car is new and under warranty, maybe not. Either way, you can always call a local towing company directly and pay only for what you use.
Common questions
Not automatically. Towing is usually covered if you added towing or roadside assistance, or after a crash covered by collision or comprehensive. Check your policy.
Often, yes, when the crash is covered by your collision coverage or the other driver’s liability. Ask your insurer.
Many policies do, within a distance limit. Check the limit before you choose a far-away shop.
Usually, yes. Keep the receipt and submit it to your insurer or roadside plan.
Yes. Every tow comes with a receipt showing the date, both addresses and the amount.
Need a tow now? Call (561) 594-5853. Related: how much does a tow cost in Florida? · towing FAQ.