What is Towing and Labor Coverage?
Towing and Labor Coverage is an optional add-on to auto insurance policies that provides assistance when your vehicle breaks down. This coverage typically pays for the cost of towing your car to a repair facility and the labor costs associated with roadside services, such as jump-starting a dead battery, changing a flat tire, or unlocking your vehicle.
This type of coverage is often associated with peace of mind for drivers, ensuring that unexpected vehicle breakdowns won’t result in hefty out-of-pocket expenses. While it does not cover the actual repair of your vehicle, it handles the immediate labor and towing services needed to get you to a safe place or repair shop.
For example, if your car breaks down on the highway due to a mechanical failure, Towing and Labor Coverage would cover the costs of towing your vehicle to a nearby mechanic. This can be especially useful during emergencies, where immediate assistance is needed to remove a vehicle from a dangerous situation.
While not mandatory, Towing and Labor Coverage is a valuable addition to an insurance policy for drivers who want the added security of knowing that roadside assistance is available in the event of an unexpected breakdown.