How can I find out what my specific insurance covers?

I’m going on a road trip, and I’m worried about needing repairs while on the road—like a tire change. I’ve heard that I should look to see if I have towing and labor coverage. What does that cover?

Answer
You are correct. Towing and labor coverage would cover tire changes, so it’s smart to look to see if you have it.
In addition to tire changes, towing and labor coverage generally covers:
Note that towing and labor coverage is not automatically included in your car insurance policy, so you’ll have to see if you purchased it.
You can check your policy details through your provider’s online portal or app, or you can call and ask your insurance agent for information. Your coverages are likely on your insurance cards, as well.
Getting stuck on the side of the road or having a flat tire is always horrible. If your current insurance doesn’t cover towing and labor coverage you may want to look into a roadside assistance program.
In addition to helping you find the best rates on car insurance, Jerry partners with Urgently to provide you with industry-leading roadside assistance—including benefits like towing, lockout service, and a mechanics hotline so you’re not alone when you get stuck on the side of the road.
Lauren Smith
Answered on Nov 11, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
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