Why won't State Farm pay my entire tow bill?

I crashed my car and had to get it towed to a mechanic. When I called State Farm about the $300 bill, they said they would only cover up to $100. Why?

“There are several reasons that State Farm might not cover your bill.
Your car insurance company will only pay for the coverage listed under your current policy.
For example, if all you have is liability coverage, you may not receive any compensation for towing.
If you have towing and labor coverage, you might receive more compensation, but only up to your per occurrence limit.
If State Farm is only offering to cover $100, your per occurrence limit for towing is likely $100.
Similarly, if you have roadside assistance through State Farm, $100 might be the maximum reimbursement for towing.
You can always call State Farm to verify your coverages and confirm why they will only be covering a portion of the bill.”
Sophie Newman
Answered on Jul 23, 2021
Sophie Newman is a writer from California. Her hobbies include brewing her own kombucha, riding horses, and taking long road trips.

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