Most US auto insurance policies include some form of towing coverage — either as a standard inclusion, a low-cost optional rider ($5-$15/month), or a benefit of a higher-tier plan. Most drivers have it and never use it.
To find out what you have: check your declarations page (the summary document your insurer mails at each renewal). Look for 'Towing and Labor,' 'Roadside Assistance,' 'Emergency Road Service,' or similar language. If you see it, you have it.
Typical coverage limits: $50-$150 per tow event, up to 5-100 miles depending on tier, with 1-6 uses per year before the benefit caps. Anything beyond the limit is on you — but most light-duty local tows cost less than the limit, making it effectively free to use.
Auto-club coverage (AAA, Better World, AARP) operates similarly but is a membership product. $60-$150/year buys you 3-4 tows of up to 100 miles each depending on your tier. For frequent drivers or commercial operators, auto-club is often the best value.
Third-party networks are the less-known layer — programs dispatched through your bank (Amex, Chase, Capital One), your employer, or your manufacturer. Many people have Agero, Allied, Urgently, Road America, or similar coverage without knowing.
How to use coverage: show the tow driver your card at the scene. Toll Trucks Near Me direct-bills every major carrier and network. You pay nothing at the scene; the paperwork happens behind the scenes.
Pro tip: keep cards (physical or digital) for every roadside coverage you have in your phone wallet. At 2 AM on a cold shoulder is NOT the time to discover your coverage lives in an app you can't log into.