How to File an Insurance Claim After a Tow or Breakdown
A car breakdown can be stressful—and dealing with insurance afterward? Even more confusing. Whether your vehicle needed a tow truck after stalling out in the middle of nowhere or your battery died during rush hour, knowing how to file an insurance claim can save you from a major headache. At D&G Towing, we not only offer top-notch towing services, but we also want to make sure you’re well-informed when it comes to dealing with your insurance provider.
Here’s a simple step-by-step guide to help you file that insurance claim with confidence.
Step 1: Understand Your Coverage
Before calling your insurance company, know what you’re working with. Does your policy cover towing? How about roadside assistance? Some policies include it automatically; others require you to add it on. If you’re unsure, give your provider a quick call or check your online policy docs.
Pro tip: Review our blog on Why You Shouldn’t Ignore Dashboard Warning Lights to prevent avoidable breakdowns.
Step 2: Document Everything
Once your car’s been picked up by a towing truck, take clear photos of the vehicle’s condition, the tow scene, and anything else that might support your claim. Keep copies of your towing company receipt and any related repair invoices.
Want to know more about how towing services help in accidents? Check out How to Recover Your Vehicle After an Accident in Fresno.
Step 3: Contact Your Insurance Company
Most insurers offer multiple ways to report a claim—app, online, or by phone. Be ready to provide:
Your policy number
Date and location of the incident
Description of the event
Towing receipt and photos
Mention that you used D&G Towing for fast and professional towing services in Fresno.
Step 4: Get an Estimate and Approval
After you submit your claim, your insurance company might ask for an inspection or a repair estimate. If you’ve already towed your car to a shop, grab that written estimate as soon as you can. Your adjuster will go over everything and let you know what’s covered.
Need help understanding what happens after a tow? Visit What Happens to Your Car After It’s Towed?
Step 5: Reimbursement or Direct Payment
If your insurer doesn’t pay the towing company directly, keep your receipt handy to request reimbursement. Make sure to clarify what’s reimbursable—some policies only cover towing to the nearest repair facility.
Speaking of towing myths, check out Towing Myths Busted: What Most Drivers Get Wrong About Tow Trucks.
Final Tips
File the claim as soon as possible.
Be honest and detailed when describing the incident.
Keep all communications in writing.
For more tips, don’t miss:
Why Choose D&G Towing?
We’re not just a towing service—we’re here to help you get back on the road. Whether it’s a flat tire, a dead battery, or a bigger issue, our team’s got your back 24/7 with towing services that Fresno drivers rely on.
Browse our full range of blogs for helpful info, tips, and real-world advice to handle roadside emergencies with ease.
