Towing and Insurance: When Is Towing Covered By Car Insurance?

Towing Coverage vs. Labor Coverage

Car insurance coverage comes in a variety of forms, but most plans can be broken down into one of two groups – mandatory coverage (required by federal/state law) or optional coverage (additional benefits). 

Mandatory coverage, also known as liability coverage, is a type of insurance that helps pay for the costs of the other driver’s property damage and/or bodily injuries if you are considered “at fault” in an accident.

It’s the type of insurance states require by law, and failure to comply results in fines and suspensions.

Optional coverage, on the other hand, provides further protection at an additional cost. While not required by law, this type of insurance is highly recommended – especially since tragedy can strike at any moment!

Towing and labor coverage are two examples of optional coverage – let’s take a closer look at each one!

Towing Coverage: Getting Your Car From Point A to Point B

Towing coverage comes in handy when the car is out of commission. It covers the cost of towing the vehicle either to a nearby mechanic or another desired location (such as your home or parent’s house). 

It’s important to note that towing coverage does have limits. 

Since most tow truck companies charge by the mile, insurance providers generally only cover up to a certain mileage (can be between 15 and 100 miles) or dollar amount (anywhere between $50 and $500+). 

Some companies take this coverage a step further. 

Though rare, some insurance companies will send you reimbursement you for any lodging, food, and/or transportation costs you absorb as a result of your vehicle breaking down – though, again, there is a limit to it.

Labor Coverage: Getting Your Vehicle Back Up and Running

Labor coverage comes in handy when your car breaks down but only needs minor, basic repairs to get it back up and running. This includes flat tires, running out of gas, getting locked out, dead battery, and much more. 

While it doesn’t cover the parts, it does cover the labor. 

For example, you’ll still be expected to pay for the gas, a new tire, or a new battery, but the insurance will cover the actual labor involved in changing the tire, delivering the gas, and jump-starting your vehicle. 

Labor coverage is there when you need it the most.

Vehicles break down more than 69 million times in the United States every year – and they often come with little-to-no warning. With labor coverage, your vehicle will be back on the road in a matter of no time.

Roadside Assistance: The All-Encompassing Solution

Roadside assistance is one of the most popular, useful, and valuable types of optional coverage – in fact, nearly 80% of all drivers have some form of roadside assistance, even though it isn’t required by law.

That’s because it gives drivers peace of mind on the road. 

As the name suggests, roadside assistance provides immediate assistance to drivers who are stuck on the side of the road with non-accident-related car issues – like a flat tire, no fuel, or getting locked out. Good insurance providers ensure someone is sent out to your exact location in a matter of minutes.

It’s basically towing and labor coverage combined into one. 

If your vehicle can be repaired on the spot, roadside assistance covers most, if not all, of the costs to repair it. If the vehicle needs a mechanic or needs to be towed back to your house, roadside assistance covers the cost of transporting it there. Either way, it’s designed to be there when you need it most. 

All In Towing: Las Vegas’ No. 1 Tow Truck Company

Do you often worry about getting stranded on the side of the road? Has your vehicle broken down once (or multiple times) before? Have you had bad experiences with tow truck operators in the past? 

If you answered ‘yes’ to any of those questions, then you’ve come to the right place!

Welcome to All In Towing.

Here are just some of the reasons why Las Vegas residents should trust us:

• Professional staff with a courteous and friendly attitude
• Fast response times, and fast solutions once we get there
• We’re available 24/7 – we have a ‘no vehicle left behind’ mantra
• We use the most advanced and effective equipment in the industry
• We offer light- and medium-duty towing
• We also offer asphalt project relocations and parking enforcement solutions

Our experienced team is equipped to handle any situation, whether it's a breakdown in the scorching desert heat or a flat tire on the bustling city streets. Our rapid response times and friendly attitude are designed to relieve any stress or anxiety you’re feeling – helping you get on with your day-to-day life. 



If you find yourself needing some extra help while out on the road, just tell us where, and we’ll send one of our experts out right away. Contact us at (702) 450-1222) anytime you need immediate assistance.