Car Insurance+tow reimbursement

[Twista]

So how does this work (insurance place is closed) My insurance statement says:
Towing up to $75.

I just had my car towed which cost $100 cash out the pocket.

Do i get reimbursed from the insurance for $75 if i provide a receipt?

 

[Adrenaline]

The insurance company will cover $75 per tow and you cover the rest. Save the receipt to give to your insurance company.

 

[Twista]

The insurance company will cover $75 per tow and you cover the rest. Save the receipt to give to your insurance company.

So that means i pay the $25 originally now and get back $75. Just want to make sure.

Thanks

 

[summit]

i thought tow had to be partof the claim?

 

[Twista]

i thought tow had to be partof the claim?

D: Maybe.

FYI: My car just broke down on the side of the road.
Thats it.

 

[EagleKeeper]

So that means i pay the $25 originally now and get back $75. Just want to make sure.

Thanks

You pay the $100 now.

then you contact the insurance company with the receipt and hopefully, they will send you a $75 check.

Is the policy coverage for any towing or as another stated, related to an accident.

 

[id09542]

This is how it works for me. Towing coverage is by itself in the poolicy, no other claim is required.

 

[alevasseur14]

Some insurance companies require you to call them and set up the tow as they have their own dispatching service. Others require you to pay in full and then provide a receipt.

 

[alkemyst]

Most break downs are not covered by 'insurance'

 

[alevasseur14]

Most break downs are not covered by 'insurance'

Can you read? Most insurance companies also offer roadside assistance as part of their insurance packages. If you have this coverage, it doesn't matter what the cause of the breakdown is.

 

[D1gger]

I think the tow coverage is only applicable if you have an actual claim based on an accident. A tow required because your car broke down won't be covered.

 

[alevasseur14]

I think the tow coverage is only applicable if you have an actual claim based on an accident. A tow required because your car broke down won't be covered.

Again, many insurance companies offer roadside assistance as part of their packages. I am a towing dispatcher that works with all the major carriers and trust me, it does not matter if you have a claim started or not.

 

[cKGunslinger]

With my roadside assistance (Progressive,) the Tow Driver took my insurance info and I immediately paid the remaining balance, only.

I did call the insurance RSA number to get the tow, however.

 

[alkemyst]

Can you read? Most insurance companies also offer roadside assistance as part of their insurance packages. If you have this coverage, it doesn't matter what the cause of the breakdown is.

woah, let's step back from the e-gangsta. You straight baller son. RSA is not the same as tow coverage though.

 

[alevasseur14]

woah, let's step back from the e-gangsta. You straight baller son. RSA is not the same as tow coverage though.

Pointing out that you rarely know what you're talking about is being an e-gangsta? Please.

You get in an accident and the insurance covers your tow. Or, your car breaks down out of the blue and the insurance company covers your tow. What's the difference? I'm pretty sure that all the people we tow couldn't really care what its called, as long as they don't have to pay for it.

 

[alkemyst]

hmm I don't have road side through my insurance company though. So it doesn't. Also with most even if you do have RSA, you are fucked if you don't set it up through them.

You straight baller though and this is your thread...enjoy it Mr. Dispatcher...hold your head high. After all in your world a tow is a tow and you always get paid.

lolz.

 

[alevasseur14]

hmm I don't have road side through my insurance company though. So it doesn't. Also with most even if you do have RSA, you are fucked if you don't set it up through them.

You straight baller though and this is your thread...enjoy it Mr. Dispatcher...hold your head high. After all in your world a tow is a tow and you always get paid.

lolz.

Since it's pretty apparent you have no idea how the towing industry works, I'll just go ahead and pass on pointing out the countless errors in your last post. Ignorance is bliss, I suppose.

Since you inquired, my head is held plenty high. It's not the best job in the world but it got me through college.

 

[alkemyst]

yet you are still a dispatcher with college?

I have said nothing that was in error or wrong. You just don't understand because 1) you work for a company at the low level and 2) you probably don't have full coverage anyway.

Most road side requires you to set up the call with them. Most tow coverage out there is not road side...most do not elect road side assistance...most today try to avoid comp and collision even.

If I break down my insurance company will not reimburse me.

If I break down and do not call AAA first they will not reimburse me.

Maybe you can follow this logic now.

 

[alevasseur14]

yet you are still a dispatcher with college?

I have said nothing that was in error or wrong. You just don't understand because 1) you work for a company at the low level and 2) you probably don't have full coverage anyway.

Most road side requires you to set up the call with them. Most tow coverage out there is not road side...most do not elect road side assistance...most today try to avoid comp and collision even.

If I break down my insurance company will not reimburse me.

If I break down and do not call AAA first they will not reimburse me.

Maybe you can follow this logic now.

Perhaps I work as a dispatcher because I just graduated and am still looking for a big-boy job. You have no idea what my post-college plans are.

Thank you for your patronizing explanation of how RSA works. I guess because I don't know what I'm talking about, the 15 RSA calls I accepted yesterday didn't get their tows. I'll keep this in mind next time. The OP specifically asked how it worked with his insurance company, implying he did have RSA. So in HIS case, if he breaks down, it's covered (usually up to a certain dollar amount or miles towed). If you break down, you'll have to pay because you don't have RSA - duh.

hmm I don't have road side through my insurance company though

Well, the OP does. So you saying he won't be covered is wrong.

you are fucked if you don't set it up through them.

If a person knows they have RSA through their insurance company, why would they NOT set it up through them? I guess that's not technically wrong, but it should be common sense that you'll need to go through your insurance company. In the OP's case, his office was closed. Because I routinely deal with this, I'm guessing the OP's insurance company is set up as a reimbursement plan.

1) you work for a company at the low level and 2) you probably don't have full coverage anyway.

Before I went back to school, I was in charge of the whole gas/convenience store part of this company (hiring/firing/ordering/scheduling). Again, not a 6 figure job but you assuming I have a 'low position' job because that's all I can get is mistaken. I moved down to dispatch because it's ridiculously easy and I could do homework while working. Not only do I not have full coverage, I don't even have insurance! GASP! Oh yeah, I don't have a car either. However, I'm getting a car this week and am fully aware you can opt out of RSA - which I will be doing. As long as I still work as a dispatcher, my tows are free.

I can follow your logic just fine. Only thing is, well, it's wrong.

 

[BoomerD]

It sounds like we don't have enough information to properly answer the question.

Both Alky and alevasseur14 could be right, but we don't know exactly what kind of "towing coverage" the OP has...

If it's RSA, then alevasseur14 is right...if it's only towing after an accident coverage then alky is right. It all depends on the actual policy.

I've also encountered the "You must call our toll-free number to arrange a covered tow or we don't pay" scenarios over the years. MOST insurance companies will pay your towing expenses based on a receipt as long as the bill meets their criteria, but on occasion, the insurance company has arrangements with local towing companies for price, (like a PPO for medical) and you have to deal with them to get covered.

 

[Soundmanred]

I have roadside through my insurance and they can do it either way (pay for it out of pocket and get reimbursed, or have them set it up and they pay for it directly).
I can use it anytime (just like AAA).

 

[DrPizza]

I have roadside through my insurance and they can do it either way (pay for it out of pocket and get reimbursed, or have them set it up and they pay for it directly).
I can use it anytime (just like AAA).

Ditto. And it's far cheaper with my insurance company than with AAA. Plus, my whole family is covered for RSA (which costs even more with AAA.)

 

[bruceb]

I have roadside towing with my insurance also. Just submit the bill when needed.
I think it pays up to $100 per tow.

 

[Twista]

I talked to a agent in person yesterday about a insurance problem. I brought up this question and was told, "the reimbursement works for any type of towing.. from accidents to your a car breaking down on the side of the road". You get back $75 if you have proof like the receipts for the towing.