It’s one of those things no one wants to deal with — you’ve just been in an accident, and your car’s not driveable. The tow truck arrives, and suddenly you’re faced with another question: who’s going to foot the bill?
Towing after a crash can be confusing, especially when insurance, liability, and circumstances all come into play. Let’s break it down so you know what to expect if it ever happens to you.
If You Have Comprehensive or Accident Coverage
If your car insurance includes comprehensive or collision coverage (sometimes called accident damage), it may cover the cost of towing after a crash. That’s the case whether you caused the accident or not.
Tip: Most insurers will only reimburse towing to the nearest approved repairer or holding yard. If you request the car to go somewhere else, you might have to cover the difference.
When the Other Driver Is at Fault
If another driver is clearly at fault and their insurance accepts liability, their insurer should cover the towing costs — along with repairs and possibly even a rental car.
The catch? It may take some time for them to accept the claim. In the meantime, you may have to pay out of pocket and be reimbursed later.
If You Don’t Have Insurance
If you don’t have comprehensive insurance or if your coverage doesn’t include towing, you’ll likely need to pay for it yourself. Towing fees vary depending on the distance and time of day, but it’s always better to ask the tow operator about pricing upfront.
Keep a receipt — it can come in handy if you later file a claim or want to recover costs.
What About Roadside Assistance?
If you’re a member of a roadside assistance service (like RACV, NRMA, or similar), you may have towing included in your plan. Just be aware that limits usually apply — for example, they might cover the first 10–20 km, and charge extra after that.
If the accident happens outside your covered area, you may need to arrange and pay for towing yourself.
When Emergency Services Arrange the Tow
Sometimes, police or emergency responders will arrange for a tow — especially if the vehicle is blocking traffic or creating a safety risk. In this case, the vehicle is usually taken to a holding yard or panel shop.
You’re still responsible for the bill unless insurance kicks in later. Also, storage fees may apply if your car sits in the holding yard for a few days, so it’s best to act quickly.
Knowing What to Expect Can Save You Stress
Accidents are stressful enough without worrying about towing bills. The best thing you can do is check your insurance policy today and see what’s covered. That way, you’re not caught off guard if something happens on the road.
And remember — if you’re ever stuck after a crash, we’re just a call away. Our tow truck team is quick, reliable, and always happy to help you get back on track.
If you are in Macleod, Victoria 3085, and looking for a nearby tow truck service, this is the best way to visit us.
Richmond Tow Trucks
123 Bridge Rd, Richmond VIC 3121
0485 856 565
Recent Comments