Most drivers in Birmingham don't realize their auto insurance policy may already cover towing. Or that adding it costs just a few dollars a month. Either way, knowing what your policy includes — and what it doesn't — can save you serious money the next time you need a tow.

Does Standard Auto Insurance Cover Towing?

The short answer: not automatically. Standard liability and collision coverage in Alabama do not include towing as a default benefit. You generally have to add it as an optional rider, which most companies call roadside assistance or towing and labor coverage.

What Roadside Assistance Coverage Usually Includes

  • Towing to the nearest qualified repair shop (typically up to a set mileage)
  • Jump starts for a dead battery
  • Flat tire changes (using your spare)
  • Lockout service

Pro tip: Always read the mileage limits. Some policies cap coverage at 15 miles, others go up to 100 miles. If you regularly drive long distances, the higher limit is worth a couple extra dollars a month.

What's Usually NOT Covered

Even with roadside coverage, certain situations may require out-of-pocket payment:

  • Towing from an accident scene (often handled by collision coverage instead)
  • Repeat tows in a short period (some policies limit you to 4-6 events per year)
  • Recovery from off-road or non-public locations
  • Vehicles not listed on your policy

How to Use Your Coverage After a Breakdown

The process is simple, but it helps to know in advance:

Option 1: Call your insurance company's roadside number. They'll dispatch a tow company they have a contract with. The downside? You don't pick the tow company, and response times can vary.

Option 2: Pay the tow company directly, save the receipt, and submit a reimbursement claim to your insurer. This lets you choose a local company you trust — like Honeycutt Towing — and get the response time you need.

Should You Add It If You Don't Have It?

For most drivers, yes. Roadside assistance typically costs $5-15 a year per vehicle from your insurer — far less than a single tow without coverage. If your car is older or you drive a lot, the math is even more in your favor.

Before you add it, also check whether you already have coverage through:

  • An auto club membership (AAA, Better World Club)
  • Your credit card (some premium cards include roadside benefits)
  • Your vehicle's manufacturer warranty (especially newer cars)
  • Your cell phone plan (a few carriers offer it as a perk)

You don't want to pay for the same coverage twice.

What to Do If You Need a Tow Right Now

If you're stranded and not sure what's covered, call us first. We'll get a truck to you, give you a clear price upfront, and provide an itemized receipt you can submit to your insurance for reimbursement if you have coverage. Birmingham customers can reach our 24/7 dispatch line at 877-729-6639.