What Needs to Know: Towing Coverage & Standard Car Insurance

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Knowing what your car insurance covers is an essential part of being a responsible driver, especially for the people of Vancouver. One of the most common questions that many drivers in Vancouver have is whether their standard car insurance policy covers towing services. The answer to this question can vary depending on the type of car insurance policy you have and the tow company you use. To help you understand if your standard car insurance covers towing, this comprehensive guide will provide you with all the information you need. We’ll cover the different types of car insurance policies, what types of towing services may be covered, and what to do if you find yourself in need of a tow. So, if you’re wondering, “Does standard car insurance cover towing?” you’ve come to the right place.

Types of Car Insurance in Vancouver

In Vancouver, like in many other places, there are several types of car insurance policies available to drivers. Understanding these different types of car insurance can help you make an informed decision when selecting the coverage that suits your needs. Here are the common types of car insurance in Vancouver:

  • Collision Insurance: Collision insurance provides coverage for repairs or replacement of your vehicle in case of a collision, regardless of who is at fault. It helps cover the cost of damages to your car caused by a collision with another vehicle or object.
  • Comprehensive Insurance: Comprehensive insurance provides coverage for damages to your vehicle that is not caused by a collision. It covers events such as theft, vandalism, fire, natural disasters, and falling objects. Comprehensive insurance offers protection against non-collision-related damages.
  • Liability Insurance: This is the basic type of car insurance required by law in Vancouver. It covers the cost of injuries and property damage you may cause to others in an accident. Liability insurance typically includes coverage for bodily injury liability and property damage liability.
  • Uninsured/Underinsured Motorist Coverage: This type of insurance protects you in case you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage. It helps cover your medical expenses and damages if the at-fault party is unable to pay.
  • Medical Payments Coverage: Medical payment coverage, also known as MedPay, provides coverage for medical expenses resulting from injuries sustained in a car accident, regardless of who is at fault. It helps cover medical bills, hospital stays, and other related medical costs.
  • Personal Injury Protection (PIP): PIP insurance is similar to medical payments coverage and is mandatory in some provinces. It covers medical expenses, lost wages, and other related costs resulting from a car accident, regardless of fault.


It’s important to note that the availability and specific details of these insurance types may vary between insurance companies and policies. Consulting with an insurance agent or provider in Vancouver is recommended to understand the coverage options, limits, and any additional endorsements or riders that may be available to you.

Does Standard Car Insurance Cover Towing?

As discussed in the introduction, a common question that many people ask is whether their standard car insurance policy covers towing. While some policies do cover towing, others don’t. If you have a standard car insurance policy, then the towing coverage will depend on the type of car that you drive.
– If you have standard car insurance and drive a sedan, hatchback, van, or crossover, then your standard car insurance will likely cover towing.
– If you have standard car insurance and drive an SUV, then your standard car insurance policy may not cover towing.

If your standard car insurance does cover towing, then it will typically cover the towing charges and the labor costs of the tow truck. This means that if your car becomes disabled, and you need a tow truck to get it off the road and to a repair shop, your standard car insurance will cover the cost of this service.

Is towing covered by the car rental policy?

Most car rental companies provide a towing service as part of their standard car insurance and rental policy. Generally, if you are renting a car, you will have access to a towing service if you are involved in an accident or if your car breaks down. Depending on the terms of the policy, there may be a limit on the distance that the towing service will cover, or there may be a limit on the number of times it can be used.

In certain cases, the car rental company may provide a towing service as part of their rental policy. Many rental companies will cover towing costs for a certain distance, up to a certain amount. This may include both the cost of the tow and the cost of any repairs that need to be made to the car. This coverage may also extend to roadside assistance if the car requires assistance due to a flat tire, dead battery, or other mechanical issues.

You can contact Tow Near Me Company to know more information about car insurance in Vancouver

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What to do if you need a tow under insurance coverage?

If you need to tow your car, you’ll need to know how to proceed. Here are a few tips to help you better navigate the towing process.

  • Make sure your car is safe to tow: If you’re wondering if your car can be towed, you’ll first need to make sure it’s safe to tow. If your car has a transmission or engine issue, the tow company can’t tow it. Before you call for a tow, ask the towing company if they can tow your car. If they can, they’ll likely have you do a few things to make the car safe to tow. They may have you pop your hood, turn off your engine, and remove any valuables from the car.
  • Find a reputable towing company: While it’s possible to call any towing company, you’ll want to make sure it’s one you can trust. A good way to find a reputable towing company is to ask your insurance company for a recommendation. Another option is to do an online search for towing company reviews.
  • Know what to expect from the towing company: Once you’ve called for a tow, you’ll want to make sure you know what to expect from the towing company. Ask when they expect to arrive, how long it will take, and what they’ll do with your car once they’ve towed it.


When it comes to car insurance, no two policies are the same. This means that the coverage options and types of car insurance policies will vary from company to company. To make sure that you know what your standard car insurance covers, you’ll need to review your car insurance policy. Whether you’re comparing different policies before switching car insurance providers, or you’re just curious as to what your existing policy covers, it’s essential that you know what your standard car insurance covers. And, as you’ve read in this article, the answer to the question “Does standard car insurance cover towing?” depends on the type of car that you drive.


The type of car that you drive will determine your towing coverage under a standard car insurance policy.
Your standard car insurance usually covers towing and towing labor costs if it does cover towing. 604 208 9090 Tow Near Me


If you have a rented car, then you should also check with your car rental company to see if towing is covered by their policy. Or if towing isn’t covered by your car rental policy, then you may want to consider getting additional coverage.


Towing coverage, also known as roadside assistance, is an optional feature in car insurance policies that provides financial assistance for towing your vehicle in case of a breakdown, accident, or other roadside emergencies.

The cost of towing coverage varies depending on the insurance provider, the level of coverage you choose, and other factors. It is best to contact insurance companies directly to get accurate quotes for towing coverage in Vancouver.

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Bob is an operation manager who has been working in roadside assistance since 2003. His labor of love is the towing service to people. He also blogs regularly on townearme.ca about roadside assistance, towing, automotive, and vehicles.

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4 Responses

  1. Last night I had a bad accident and hit a tree. Would it be possible for me to claim to ICBC that it was my fault and ICBC would pay or should I do it myself…

    1. Thank you for sending us a message having your license plate number and driver’s license number ready and detailed information such as the location, time of the accident and your route, then you can report your claim online or over the phone and if you have a witness, you can submit a witness report online 24 hours a day. The benefits of care and recovery are available to you even if you are responsible (at fault) for the accident. Also, medical and rehabilitation expenses will be covered by your ICBC Basic insurance.

    1. Towing coverage is an optional add-on to your car insurance policy that covers the cost of towing your vehicle to a repair shop or another location in the event of a breakdown, accident, or other covered incident.

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