In most cases, towing and labor coverage is not included in a standard auto insurance policy. However, it is often available as an optional coverage that you can add to your policy for an additional premium. 

This coverage can provide you with assistance if your vehicle breaks down and needs to be towed to a repair shop or if you require roadside assistance for services like jump-starting a dead battery, changing a flat tire, or getting locked out of your car.

How to check if you have towing and labor coverage?

To determine if you have towing and labor coverage, refer to your auto insurance policy documents or contact your insurance provider directly. Review your policy’s declarations page or contact your agent or customer service representative for confirmation. They can confirm whether this coverage is included in your policy or if you need to add it as an optional coverage.

Final thoughts

Check the coverage limits of towing and labor coverage to ensure they are sufficient for your needs. Limits may vary depending on your policy and insurance provider.

Determine the cost of adding this coverage to your policy and compare it with the potential benefits. Evaluate if the added expense is worth the peace of mind and convenience it provides.

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