Yes, you can typically use insurance towing on a new car, but it's not automatic. The coverage depends entirely on the specific type of car insurance policy you purchased. Most standard policies do not include towing by default; you usually need to add it as an optional coverage, often called roadside assistance.
This add-on is generally inexpensive and covers services like towing, jump-starts, lockout service, and flat tire changes. For a new car, your first resource should be the manufacturer's warranty. Many new vehicles come with a complimentary roadside assistance program for the first few years or a certain number of miles, which could make a separate insurance add-on redundant. It's crucial to check both your auto insurance policy details and your new car's warranty booklet to understand what's already covered and avoid paying for duplicate services.
The main advantage of using an insurance-based roadside assistance plan over a manufacturer's plan is that the coverage follows you, not just the car. If you're driving a different vehicle, you're often still covered. However, there are usually limits. Policies specify a maximum number of service calls per year and a maximum towing distance per incident (e.g., up to 15 miles). If your breakdown requires a tow beyond that distance, you will be responsible for the additional mileage costs.
| Coverage Aspect | Typical Details | Things to Verify |
|---|
| Inclusion in Policy | Usually an add-on (e.g., "Roadside Assistance") | Check your policy declarations page. |
| New Car Warranty | Often includes 3-5 years of complimentary coverage. | Review your vehicle's warranty booklet. |
| Common Services | Towing, battery jump-start, fuel delivery, lockout service. | Confirm the exact list of services covered. |
| Towing Distance Limit | Often 5, 10, or 15 miles per service call. | Know the limit to avoid surprise charges. |
| Annual Service Limit | Often 3-5 calls per policy term. | Exceeding the limit may result in fees. |
| Cost | Typically $5-$20 per six-month policy term. | Compare cost with standalone clubs (e.g., AAA). |
Before you need it, make a note of the phone number for your insurance company's roadside assistance line, which is different from the claims number. Using this service is typically considered a claim-like event, so while it might not directly increase your premium, frequent use could be noted by your insurer.
