Does Towing Assistance Cover Vehicle Breakdowns? A Complete Guide

Published on Mar 11, 2025

Does Towing Assistance Cover Vehicle Breakdowns? What You Need to Know

If you’ve ever experienced a vehicle breakdown, you know how overwhelming it can be. One moment you’re cruising down the road, and the next moment your car is stranded, leaving you wondering what your next move should be. I’ve been there myself, and I’ve learned that towing assistance is an invaluable service in these situations. But does towing assistance cover vehicle breakdowns? That’s a question I asked myself during one particularly frustrating breakdown, and over time, I’ve come to understand the ins and outs of towing services and what they can and can’t do for you when your vehicle breaks down.

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1. What Is Towing Assistance and What Does It Cover?

Towing assistance is a service that helps transport your vehicle when it’s no longer operable. This could be due to a mechanical failure, an accident, a flat tire, or any other issue that prevents you from driving your car. From my own experience, towing assistance can range from a simple tow to a repair shop to more complex services like battery jump-starts or tire changes. It all depends on the level of coverage and the specific towing company you choose.

In my case, I’ve had to rely on towing assistance a few times for different reasons. Once, I had a flat tire during a road trip, and another time, my engine overheated. Each time, I had to decide whether to call a roadside assistance service or to handle the problem myself. Over the years, I’ve realized that towing assistance can be a huge help, but not all services are created equal. The coverage varies depending on the type of policy or service plan you have, and whether or not it covers certain types of breakdowns.

Firestone Complete Auto Care
firestone complete a
Firestone Complete Auto Care

1933 N Placentia Ave, Fullerton, CA 92831, USA

2. Types of Vehicle Breakdowns Covered by Towing Assistance

So, does towing assistance cover vehicle breakdowns? The short answer is yes, but it depends on the nature of the breakdown and the type of service you have. Here are a few examples of breakdowns that are typically covered by towing assistance services:

United Towing Service Inc.
united towing
United Towing Service Inc.

26170 Adams Ave, Murrieta, CA 92562, USA

2.1. Engine Failures

Engine problems are one of the most common reasons for needing towing assistance. I’ve had an engine failure during a road trip, and the experience taught me the importance of knowing my towing service options. When the engine stops working completely and the car becomes immobile, the only option is to have it towed to a mechanic or repair shop. In these cases, towing assistance is usually covered under most standard service plans, but I’ve found that having a comprehensive roadside assistance policy helps cover things like the cost of the tow and potential repairs.

2.2. Flat Tires

Flat tires are a more minor issue than engine failures, but they can still leave you stranded. I had a flat tire on a busy freeway once, and the thought of trying to change it myself seemed daunting in the middle of heavy traffic. Luckily, towing assistance services can help with flat tires by sending a technician to either fix the tire on-site or tow the vehicle to a nearby repair shop. Many roadside assistance plans will cover flat tire fixes, and I learned the hard way that it’s worth investing in a service that includes tire repair options.

2.3. Dead Battery

A dead battery is another common reason for a vehicle breakdown, and towing assistance can be a lifesaver in these situations. When my battery died while I was parked at a grocery store, I called for a jump-start. Fortunately, most towing companies offer battery jump-starts as part of their service, and the technician was able to get my car started right away without needing to tow it. If a jump-start doesn’t work, they’ll often tow your vehicle to a shop for further diagnosis, and that service is typically included in the plan as well.

2.4. Lockouts

While not a breakdown in the traditional sense, lockouts can also be covered by certain towing assistance plans. I’ve had the misfortune of locking my keys inside the car while running errands. In this case, I contacted my roadside assistance service, and they dispatched a technician to unlock the vehicle. This service was included in my coverage, and I was back in my car in no time. Many towing assistance programs offer lockout recovery, so it’s worth checking if that’s included in your plan.

3. What Isn’t Covered by Towing Assistance?

While towing assistance can be a huge help, there are certain breakdown situations that may not be covered, or that require additional coverage. It’s important to read the fine print of your roadside assistance contract to know what’s included and what isn’t. From my own experience, here are a few things I’ve encountered that may not be covered by standard towing assistance plans:

3.1. Mechanical Repairs

Towing assistance can help get your car to a mechanic, but it won’t typically cover the cost of the repairs themselves. When my alternator failed once, I needed to have the car towed to the repair shop, but the cost of the actual repair was my responsibility. Roadside assistance helps with the towing and sometimes minor fixes, but any substantial mechanical repairs are typically not included in the coverage. I learned that I needed to be prepared for additional costs if the car required more than a simple fix.

3.2. Non-Emergency Tows

If you need your vehicle towed for reasons other than a breakdown, such as moving it for parking, a non-emergency tow, or if the vehicle is still running but in need of transport, these situations typically won’t be covered. For example, when I needed to move my car to a different location due to renovations at home, towing assistance didn’t cover it. In those cases, I had to arrange for a separate towing service, which often came with additional charges.

3.3. Towing for Personal Reasons

Many towing assistance services are designed for emergencies, so towing for personal reasons—like taking a car to a new home or location—may not be covered. I’ve learned that I can’t always rely on my roadside assistance for non-emergency vehicle transport, which is why I’ve had to pay for specialized towing services in some situations.

4. How to Choose the Right Towing Assistance Service

When I first started using towing assistance services, I didn’t realize how many options there were available. Over time, I’ve learned that selecting the right service depends on your driving habits, the type of coverage you need, and your budget. Here are a few things to keep in mind when choosing a towing service:

4.1. Coverage Options

Make sure to review the different coverage options offered by towing assistance services. Some offer basic plans that only cover towing and flat tire assistance, while others provide more comprehensive services, including lockout recovery, battery jump-starts, and even fuel delivery. I personally prefer a comprehensive plan that covers a variety of emergencies, as it gives me peace of mind knowing I’m covered for a range of issues.

4.2. Response Time

The faster the service, the better. When I’ve had a breakdown, especially in a remote area, I’ve found that the quicker the response, the less stressful the situation is. When choosing a service, ask about their average response times and make sure they can be relied upon in emergency situations.

4.3. Pricing

Pricing is a significant factor to consider when selecting a towing assistance plan. I’ve found that some services offer low monthly rates, but these plans may have hidden fees or limited coverage. Be sure to ask for a full breakdown of the pricing and understand exactly what’s covered. Some plans might offer perks like unlimited tows or no extra charge for after-hours service, which can be very beneficial depending on your needs.

5. Final Thoughts: Towing Assistance Is Worth the Investment

Having towing assistance for vehicle breakdowns is one of the best decisions I’ve made as a driver. Knowing that I have help available when my car breaks down or when I face other emergency situations provides immense peace of mind. While not all towing plans are the same, and certain services may not be covered, I’ve found that having a good roadside assistance plan has saved me time, stress, and money over the years. Whether you’re dealing with a flat tire, engine failure, or even a lockout, towing assistance is a service that should be considered an essential part of your driving experience.

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