Insurance coverage of Towing
Hi all:
Just arming myself with knowledge as I get confusing info fm various sources -- let me know if my understanding is correct:
a) if one gets into an accident (whether at fault or not), and you have comprehensive collision insurance, the tow is covered by your insurer, correct?
b) you call your insurer claims and ask for a tow if possible -- and if not (since the cops tell you to get the quickest tow available), you're supposed to take it and claim in against insurance and provid receipt? correct?
and finally
c) towing for non-accidents are not included in one's insurance coverage? eg breakdown... get CAA if needed or use your new vehicle 4 yr roadside assistance...
Many thanks
PS I get confused since my broker just tried to sell me $70 for towing (eg in my last renewal) so I want to make sure this time around -- and I just also checked my collision coverage and i have all perils coverage, family protection, driving record protector, disappearing deductible, loss of use coverage, damage deductible shown above is zero, etc)
Just arming myself with knowledge as I get confusing info fm various sources -- let me know if my understanding is correct:
a) if one gets into an accident (whether at fault or not), and you have comprehensive collision insurance, the tow is covered by your insurer, correct?
b) you call your insurer claims and ask for a tow if possible -- and if not (since the cops tell you to get the quickest tow available), you're supposed to take it and claim in against insurance and provid receipt? correct?
and finally
c) towing for non-accidents are not included in one's insurance coverage? eg breakdown... get CAA if needed or use your new vehicle 4 yr roadside assistance...
Many thanks
PS I get confused since my broker just tried to sell me $70 for towing (eg in my last renewal) so I want to make sure this time around -- and I just also checked my collision coverage and i have all perils coverage, family protection, driving record protector, disappearing deductible, loss of use coverage, damage deductible shown above is zero, etc)