Is Insurance for Towing in Denton TX a Good Idea?

The high cost of car insurance is enough to make many auto owners wonder what extra features they can cut to help reduce the monthly expense. One of the features that many car owners find themselves debating is towing insurance. This is insurance that will pay for the cost of getting the car professionally towed from one point to another. Since Texas usually doesn’t get any snow, many car owners wonder if they need to worry about having insurance that will cover the cost of towing in Denton TX.

The thing that you want to keep in mind is that snow and ice aren’t the only reason that people need to have their car towed. There’s lots of other reasons that you might have to arrange for towing in Denton TX. These reasons include:

1. Car accident where your car is no longer drivable
2. Sudden onset of a medical condition, such as a migraine, which makes it unsafe for you to drive yourself and the car home
3. Your car breaks down and you need to get it delivered from the shop.
 
Without the insurance, you will have to pay the entire cost of the towing in Denton TX bill. This might not be a big deal if you’re close to home and only need to have the car towed for a few miles. But if you’ve been gallivanting and have wandered a long way from home, you will find that, since most tow companies charge by the mile that the expense quickly mounts up.  Spending a few dollars a month on the insurance could prevent you from someday having to eat ketchup soup because you were forced to use the grocery money to pay to get your car towed. In addition to paying for each mile you had the car towed, the insurance will also pay the hookup fee and any additional labor costs connected to the towing.

The way things usually work is that you will have to pay for the towing in Denton TX out of your own pocket, and then send the receipt to your insurance company, who will check things over, and then reimburse you. Make sure you keep a copy of the receipt in your files just in case the original gets lost in the mail.

You should also know that in most cases the towing insurance does more than just cover the cost of towing in Denton TX. It can also be used for those embarrassing moments when you’ve done something silly, like locking your keys in the car or not noticing that the gas gage was on empty before you started running your errands. The exact number of tows the insurance company will cover depends on the policy you have. Most people find that their policy covers 2 tow jobs per year. Eliminating this feature from your insurance policy just to save a couple dollars a month would be silly.