Auto Insurance

Towing & Labor Coverage

Optional auto add-on that pays for roadside assistance: towing, flat tires, dead batteries, lockouts.

Last reviewed: May 2026 · Editorial methodology

Definition

Towing and labor coverage (also called roadside assistance) is an inexpensive auto insurance add-on — typically $5–$15 per year — that pays for towing and basic roadside services like flat tire changes, jump starts, fuel delivery, and lockout assistance. Coverage is usually limited per disablement event (commonly $75–$150 per tow). It is important to understand that towing and labor only covers labor at the disablement site and towing costs; repairs at the shop are paid separately. Drivers who are members of AAA or have a manufacturer roadside program may have duplicate coverage — compare benefits before adding it to your policy.

Where this term matters

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Tip

Glossary definitions are educational. Always check your own policy language — insurers can define common terms differently from one another. When in doubt, request a written explanation from your agent.

Related terms

Rental ReimbursementOptional add-on that pays for a rental car while your vehicle is being repaired after a covered claim.Comprehensive CoverageOptional auto coverage for non-collision damage: theft, fire, hail, vandalism, animal strikes.EndorsementA written modification to a policy that adds, removes, or changes coverage — same as a rider.

Related guides

Source: Cover Forge USA editorial team|Last verified: May 2026|Methodology
Definitions are educational and may be simplified. Always refer to your policy contract and consult a licensed agent for terms that affect coverage decisions.
CF

Cover Forge USA Editorial Team

Editorial Lead

This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.

Reviewed June 2026

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