Whether insurance covers a tow depends on the policy, not on Detroit Towing: a roadside-assistance rider covers it outright, while a standard policy usually only pays for a tow tied to a collision, not a plain breakdown. Call (313) 631-1184 any hour, 24/7, and ask dispatch for an itemized receipt for your insurer.
What kind of coverage actually pays for a tow?
A roadside-assistance rider — the add-on some insurers sell for a few dollars a month — typically covers a flat-tire or dead-battery tow with no accident involved. A standard liability or collision policy generally only kicks in for towing that follows a wreck, not a plain breakdown.
If your policy requires an in-network provider for guaranteed direct billing, that's worth checking before you call. Detroit Towing's coverage spans 20 communities across metro Detroit, and whether your policy's network reaches yours can depend on which side of that area you're on.
What should I ask my insurer before I call for a tow?
Three questions settle most of the confusion before the truck ever gets dispatched.
- Whether the policy includes a roadside-assistance rider, and if so, how many tows or dollars it covers per year
- Whether you pay for the tow up front and get reimbursed, or the insurer has a network you must call directly
- Whether a breakdown with no accident is covered, or only towing that follows a collision
What does Detroit Towing do to help with reimbursement?
Ask dispatch for an itemized receipt when the truck arrives — pickup and drop-off addresses, vehicle info, and the price — since that's what most insurers want before they'll reimburse a tow. Dispatch picks up around the clock except Sunday, when the window narrows to 12:30–5:30 PM, so the receipt request can happen on the same call as the tow itself.
Does AAA or a similar membership cover the tow instead of my car insurance?
It can, if you carry that kind of membership — those plans typically work like a roadside-assistance rider and cover a flat-tire or dead-battery tow independent of your car insurance. Tell dispatch about the membership when you call so they know how the job gets billed.
Will my insurance cover towing after an accident even if I'm at fault?
Usually yes, if you carry collision coverage — that portion of the policy generally pays to move the vehicle regardless of fault, though the specifics depend on your carrier. Check your policy or call your insurer directly to confirm before you assume it's covered.
Do I pay Detroit Towing directly and get reimbursed later, or does insurance pay them?
Most jobs are paid at the time of the tow, then submitted to the insurer for reimbursement — ask dispatch for an itemized receipt for that submission. Some insurers have a direct-bill network; if yours does, tell dispatch before the truck is sent.
Can I choose my own tow company instead of my insurer's network provider?
In most states, yes — though using the network provider is sometimes the only way to get direct billing instead of paying and submitting for reimbursement. Detroit Towing carries a 5.0 rating from 15 Google reviews if that helps you decide between the two options.