Will my car insurance reimburse me for a tow truck?

Most Ontario auto policies only reimburse towing if you carry the OPCF 35 endorsement or if the tow results from a covered accident. Without this specific add-on, you must pay standard rates of $250+ out-of-pocket. Reimbursable limits typically range from $50 to $100 per occurrence.

Key Ontario Coverage Rules

• Accident Towing: If your vehicle is towed due to a crash, the cost is covered under the "Collision" or "All Perils" section of your policy, provided you have this optional coverage.
• Mechanical Breakdown: Standard liability policies do not cover breakdowns (e.g., engine failure or flat tires). You strictly need OPCF 35 (Emergency Roadside Assistance) to claim these costs.
• Reimbursement Process: Most insurers do not pay tow operators directly. You must pay the operator immediately and submit the receipt to your broker for reimbursement up to your policy's limit.

Check your Certificate of Automobile Insurance for OPCF 35 to verify your specific coverage limits before calling a service provider.