You may be wondering what to do if your car was damaged by towing. Depending on the extent of the damage, and whether you can prove when the damage occurred, you may be able to file a claim with either your insurance company or the towing company directly. You will also need to go check on your deductible and see if filing a claim will actually benefit you or if the damages are less than the deductible.
Before you have your car towed, you need to take pictures or video of the vehicle in-case there is car damage after the towing has occurred. Sometimes the towing company will take their own pictures and document any damage to the vehicle to protect their own liability. Unfortunately, sometimes disasters occur and your car may be damaged. If the towing company acknowledges fault, you should be able to make a claim directly with the company. If they do not want to pay, you will need to file a claim with your insurance provider. This is usually considered part of your collision coverage, but you will need to check your policy to make sure you can file a claim. If you do not have the patience to deal with the towing company, you may be able to file a claim with your insurance company and they will work with the towing company for you.
If you do not know what to do when there is car damage with towing, it is probably best to talk with your insurance carrier. Remember when you are shopping around for auto insurance rates, if you want to be covered for this type of damage, you will need collision insurance. By comparing quotes with several providers, you can find a premium you can afford to pay that will also give you the coverage you need.
Instances such as your vehicle in no parking zone, violation committed, caused an accident, your vehicle is immobile and needs a repair or mechanic to look upon. For all the above, towing comes as a rescue. But what when a towing process itself damages your car? Do you have to bare the expenses? Will your car insurance company pay for it? Many questions, answered below.
Usually, few car insurance companies accept such damages under their collision coverage, if the insurer has opted for collision coverage. It generally covers any damage which occurs to your vehicle due to collision, caused either by another vehicle or object. But the collision coverage is a deductible where deductible is that amount which you as an insurer will have to pay out of your own pocket much before your insurance company hops in.
When you are at the towing company to pick your vehicle or as soon as it is dropped by towing truck into a mechanic shop or service station, check thoroughly for:
- tires if deflated
- worn out paint
- any trouble with alignment of car
Take pictures immediately or a video if in case of any damage mentioned above. If possible collect some witness statements which can help you in making your claim process easy and quick.
Every state and it’s municipal corporation has definite set of rules on how a towing process has to operate. As towing are independent operators, not all state municipalities agree for the claim, only few encourage the submission. Some times the towing company itself will agree in paying for the claims made. However, you will have to keep your car insurance company updated. If the towing company does not accept your claim then you can work through your car insurance company. You can file a complaint, raise a legal action to collect money for repair of the damaged. At times, the towing company will negotiate between the parties, your insurance company, truck operator, insurance company of towing company.