Car breakdowns always seem to happen when you least expect them, and the stress doubles when you start wondering, “Will my insurance even cover this tow?”
Whether you’re in Kitchener, Waterloo, or Cambridge, understanding how towing coverage works can help you make smart, fast decisions when your car stops moving.
Here’s what every driver should know about towing and insurance, plus how WR Towing can save you time, money, and frustration when you’re stranded.
1. Does Car Insurance Cover Towing?
The short answer: it depends on your policy.
Most basic auto insurance policies in Ontario don’t automatically include towing coverage. However, there are two main ways towing can be covered:
- Through Roadside Assistance Coverage:
Some insurers (like CAA, Intact Insurance, or TD Insurance) offer roadside assistance as an add-on to your auto policy. It covers services like towing, tire changes, fuel delivery, and battery boosts. - Through Collision or Comprehensive Coverage:
If your vehicle is damaged in an accident or by a covered event (like a fire, theft, or storm), towing to a repair shop is typically included as part of your claim.
Always review your insurance policy’s fine print or contact your insurer to confirm what’s covered before you need a tow.
2. How Towing Reimbursement Works
If your policy includes towing or roadside assistance, you may be reimbursed for towing costs, but only up to a limit.
For example:
- Some insurers cover towing within a 50 km radius.
- Others set a maximum dollar limit (like $75–$150).
- If you exceed these limits, you’ll pay the extra cost out of pocket.
That’s why having a local towing company in Kitchener, like WR Towing, on speed dial can help you save. They offer transparent pricing, so even if you pay upfront, you can easily submit your receipt for reimbursement.
3. When Insurance Doesn’t Cover Towing
There are a few scenarios where towing may not be covered by your insurer:
- You broke down due to neglected maintenance (e.g., old tires or low oil).
- You called a non-approved tow company outside your insurer’s network.
- You needed towing after modifying your car in ways that voided your policy.
In such cases, drivers often search for “cheap towing near me” but it’s important to choose a reputable, fully licensed provider like WR Towing to avoid damage or hidden fees.
4. What to Do When You Need a Tow
When your car breaks down, staying calm and following these steps ensures safety, and helps with insurance claims later:
- Move your vehicle to a safe location, if possible.
- Turn on your hazard lights and stay visible.
- Take photos of your car’s condition and surroundings.
- Call WR Towing Kitchener at +1 519 861 1211 for fast assistance.
- Keep your receipt for insurance reimbursement.
5. Why Local Drivers Trust WR Towing
As a top-rated towing company in Kitchener, WR Towing combines speed, reliability, and transparent pricing.
Our services include:
- Flat-bed tow truck service near you for safe transport.
- 24-hour towing and roadside assistance for emergencies.
- Help with insurance claims and documentation.
We’re also a trusted resource for educational content, check out our guide, Stuck on the Side of the Road? How WR Towing Saves Your Summer in Waterloo Region, to see how we keep drivers safe all year long.
Knowing whether towing is covered by insurance can save you hundreds of dollars and a lot of stress during an emergency. Review your policy today and make sure you’re protected before you hit the road.
And remember, even if your insurance doesn’t cover it, WR Towing provides affordable, 24/7 help whenever you need a tow truck near Kitchener or Waterloo.
Call +1 519 861 1211 or visit WR Towing today to stay ready for whatever the road brings.