Check what your insurance or membership roadside plan covers before you need it: distance limits, number of calls and reimbursement rules. If you have no coverage, the wait is too long or you need help fast, you can call a local tow company directly.
Many drivers have roadside coverage through their auto insurance, a credit card or a membership and don’t know it. Others assume they are covered and aren’t. Knowing your plan ahead of time saves stress.
What should I check in my plan?
- Is towing included, and up to how many miles?
- How many calls per year are covered?
- Is it direct service or reimbursement? Some plans send a provider; others pay you back after you pay the tow company. Ask what receipts they need.
- Does it cover the services you need: jump starts, flat tires, fuel delivery, winch-outs?
When does calling a local tow company directly make sense?
- You don’t have roadside coverage.
- The plan’s estimated wait is longer than you can safely wait.
- You need a service or distance the plan doesn’t cover.
- You want a specific company that knows the area.
If my plan reimburses me, what do I keep?
An itemized receipt with the date, the pickup and drop-off addresses, the service performed and the total paid. Take photos of it.
Can I use both?
That depends on your plan’s rules. Ask your insurer before you pay out of pocket if you want to be reimbursed.
Dala Multiservices answers directly, 24/7, across Tampa and nearby cities. Call (813) 293-3415 and ask about your situation.