When purchasing you’re auto insurance you may not be sure what coverage you need.  One coverage you should not be left without is towing and labor.  Did you know that towing and labor is not costly and is worth having?

What is towing and labor?

Towing and Labor is also called “emergency road service.”  It’s meant to help you when your broken down or in a bind.  Towing and Labor is provided by all auto insurance companies.

Did you know some insurance companies automatically include this coverage in your policy premium?  While other insurance companies allow you to add it on your policy.

How can towing and labor help me?

Let’s say you’re cruising down a country back road — no worries in the world, wind blowing through your hair, singing your favorite tune — suddenly, your car sputters, chugs, and slowly… just … stops. Uh-oh.  You turn on your hazard lights and pull over to the side of the road. Then you remember (with a sigh of relief) that you’d added towing and labor coverage to your car insurance policy for just-in-case moments like these. You may not know what’s wrong with your car, however you can have peace of mind knowing what’s included in your towing and labor coverage.

There are certain occurrences that are typically covered up to the limits on your policy, regardless of which company you choose; such as:

  • Towing (when it’s not related to an accident)
  • Locksmith services if you get locked out
  • Tire changes and jump starts
  • Mechanical labor at the breakdown site

Of course, not all roadside service plans are created equally, so no matter where you buy your coverage, it’s important to ask your licensed agent and/or read the fine print when purchasing your policy.