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If you fall under any of the following categories, chances are you (or your employer) need tow truck insurance:

  • Truckers and other commercial drivers
  • Independent tow truck owner operators
  • Auto repair shops
  • Fleet motor carriers

Keep in mind these are just a few of the kinds of occupations that require commercial auto insurance that will meet state guidelines for tow trucks. Keep reading for more information.


All About Tow Truck Insurance

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About Tow Truck Insurance
Failure to carry liability insurance on your tow truck could cost you hundreds or thousands of dollars. For example, if you are involved in an auto accident and a car you are towing skids into a school van, you would be responsible for paying medical expenses and property damages related to the accident out of your own pocket.

Commercial drivers and truckers who must carry tow truck insurance cross several industries. For example, types of tow truck drivers and businesses that need tow truck insurance include:

  • Roadside service providers
  • Auto salvage firms
  • Auto club contractors
  • Rotational towing
  • Auto repair shops
  • Auto body shops
  • Full-service gas stations
  • Types of Commercial Auto Insurance for Tow Trucks
  • The types of commercial auto insurance you can get on a tow truck include:
  • Bodily injury coverage
  • Property damage coverage
  • Fire and theft coverage (i.e. physical damage coverage}
  • Collision and comprehensive coverage
  • Uninsured/Underinsured motorist coverage
  • Comprehensive insurance protects you if your tow truck is damaged due to a non-auto accident related event (e.g. fire, snowstorm). Comprehensive insurance, as well as fire and theft insurance, would protect you if your tow truck was stolen or damaged due to a fire.

If you operate your tow truck in inclement weather, make sure that you get enough insurance on your vehicle. If you do not, you will be responsible for property and bodily injury damages that exceed the amount of insurance listed in your insurance policy.

Uninsured and underinsured tow truck insurance coverage protects you in the event that you or your tow truck suffer damages caused by a driver who did not have any or enough auto insurance to cover the damages that were made to you or to your tow truck. When you consider the numbers of people who do not have any or enough auto insurance, getting this coverage makes good sense.

Bodily injury and property damage insurance are standard forms of liability insurance that all motor vehicle owners are required to carry by state laws. Failure to keep the minimum levels could cause you to receive fines or penalties. You could also have your commercial driver’s license suspended or revoked.

How to Shop for Tow Truck Insurance
Shopping for tow truck insurance is similar to shopping for any other kind of vehicle insurance.

To get a well-rounded selection of quotes, contact three or more insurance companies and compare rates before you buy a policy. Keep in mind the amount of coverage that you would receive from your insurance company should your tow truck suffer damages depends on the amount of coverage that is written into your actual commercial auto insurance policy.