Will My Car Insurance Pay For Towing Fees?

Whether or not your auto insurance will cover towing fees depends on a few factors, namely the reason behind your need for a tow truck. Continue reading to learn when car insurance might pay for towing expenses, when they might not, and what to do if you are looking for cheap tow truck assistance in central Indiana.

Roadside Assistance Tow Truck Services  317-247-8484
Roadside Assistance Tow Truck Services 317-247-8484

Limited Liability Car Insurance Coverage

Do you have a limited liability car insurance policy? If so, it is not likely that your carrier will cover your tow truck expenses. Instead, you will have to pay for towing yourself. There is an exception to this rule, however. If you need a tow truck because you are in a car accident that was not your fault, the other driver’s insurance should cover your vehicle damages, including any related towing expenses.

Although you might have to pay out-of-pocket at first, upon filing a claim with the other driver’s insurance company, you should receive a reimbursement for everything. Keep in mind, most reimbursement caps are around $50. So, if towing fees exceed the insurance company’s reimbursement, you will have to pay any additional fees beyond.

Auto Insurance Policies Differ

Be warned, not all car insurance policies cover towing, even if the client is in a car accident that’s not their fault. It varies from carrier to carrier. This is why it’s important to check with your insurance policy representative to ensure that you have a clear understanding of what’s covered and what’s not covered in the case of an accident or needed repair.

In the case that towing is not covered under your automotive insurance policy, it is likely that you can add it to your coverage. Most car insurance companies offer towing insurance, but it is not often included in a limited liability or even comprehensive car insurance policy.

Roadside Assistance Coverage

Some car insurance policies may offer roadside assistance coverage, either included in a full coverage policy or as an add-on to a base policy. This coverage typically comes with a limit, which is something you always want to ask about when shopping around for auto insurance. Roadside assistance coverage isn’t always included in full coverage car insurance policies, so you have to add it to your policy.

If roadside assistance coverage is too expensive to add to your base policy, you can purchase roadside assistance on an as-needed basis from local businesses that provide such services, or you can become a member of an automotive club that provides roadside assistance customer service.

Examples of Roadside Assistance:

▶ Tire Changes in Repairs
▶ Refueling Services
▶ Jump Starts and Dead Battery Replacement
▶ Motor Oil Refills for Overheating Engines
▶ Key Retrieval for Locked Cars
▶ And More

How Much are Towing Fees?

Towing fees depend on several factors, from your towing destination and vehicle type to the mileage your car is towed, the difficulty of the tow, and more. For simple tows, fees can range between $3 and $18 per mile, but reach as high as $25 per mile, plus additional fees if your car is taken to the towing impound lot. There, you can incur storage fees and more. If you are having your vehicle towed to an auto body shop or your home, you can expect towing fees to be lower.

Are you looking for truly affordable and highly dependable towing in Central Indiana? Contact Zore’s Towing for 24 hour roadside assistance  and tow truck service in Indianapolis and its surrounding counties. We provide towing, recovery, equipment transport, car lockout service, flat tire service, jump starts, refueling, and more!

Related Posts:

Do You Need Roadside Assistance Insurance?
Do You Need a Special License to Tow a Trailer?
Top 3 Ways You Might Be Destroying Your Car

Zore’s Towing Towing Wrecker Service Indianapolis
Zore’s Towing Towing Wrecker Service Indianapolis

3 Reasons Why You are Having Problems With Your Car Radiator

Your car’s radiator is a vital auto part, so when it begins to show signs of distress or performance issues, it is important to take a closer look. Although there are many things that can go wrong with an automotive radiator, there are 3 primary reasons that contribute to radiator problems. Continue reading to learn the top three reasons why you are having issues with your car radiator, and how to avoid encountering such problems down the road.

Indiana Towing and Roadside Assistance
Indiana Towing and Roadside Assistance 317-247-8484

What Your Radiator Does

Your car radiator is an important component because it helps regulate the combustion temperatures inside your engine as your car drives. The radiator makes sure that your engine does not overheat, which can damage several different inner and external components of the motor and any surrounding auto parts. For this reason, we fill our car radiator with anti-freeze, also known as coolant or radiator fluid, which brings us to the very first and most common reason why drivers experience problems with their car’s radiators: radiator overheating.

3 Radiator Problems and How to Prevent Them

Although natural wear and tear and simple old age can cause a car radiator to deteriorate and lose performance value, the top three reasons why most vehicle’s radiators experience issues, especially prematurely, are due to radiator overheating, rust accumulation, and leakages. In order to prevent radiator problems, it is important to stay current on all factory scheduled maintenance according to your vehicle’s owners’ manual.

Radiator Overheating – Just like engine overheating, a radiator can run low of coolant, which can cause it to produce too much friction within the inner workings. Other causes of radiator overheating include broken or damaged auxiliary fans, damaged radiator structure, clogged or dirty radiator, and broken hoses that lead to coolant leaks. If your radiator or engine begins to overheat, immediately pull over to the right side of the road, and then call for Indianapolis roadside assistance service.

✔ Stay on top of all fluid refills and scheduled maintenance to avoid engine and radiator overheating.

Radiator Rusting – Rusting, or oxidation, occurs when ferrous metal is exposed to oxygen and moisture in the environment. In the case of radiator rusting, such exposure can occur inside the radiator and on the exterior. To check for rust in the radiator, examine your coolant color. If it is brownish, you have rust in your coolant and should get a radiator flush as soon as possible. If you cannot see the color, take a look at the radiator cap. You will see rusty stains or brownish goo inside the cap if you have rust in your coolant.

✔ Be sure to always use a high quality anti-freeze to avoid radiator rusting.

Radiator Leaks – If your radiator is overheating quite often, no matter how much you keep refilling the coolant, you could have yourself a leak. Cracks and external damages to the radiator can also lead to coolant leaks, which might occur after a car accident, or traveling on rough terrain. If your radiator is leaking, it is important to have it repaired immediately. It is not safe to operate a vehicle with a damaged radiator.

✔ Drive safely and on appropriate terrains to avoid radiator damages and coolant leaks.

Is your car radiator damaged or overheating at the moment? Contact Zore’s Towing for 24 hour roadside assistance and towing services in Indianapolis, today. We operate 24 hours a day, 7 days a week, and serve all of Central Indiana.

You Might Also Read:

Will My Car Overheat in Hot Weather?
Why is My Car Engine Overheating?
Important Car Maintenance You Can Do Yourself

Indianapolis Towing & Recovery 317-247-8484

3 Safe Ways to Pull a Car Out of a Ditch

There are many contributing factors as to why your vehicle is now stuck in a ditch on the side of the road. It could be a combination of anything from oil spills and slippery roads, to poor vision, bald tires, low tire pressure, distracted driving, and all types of harsh or dangerous weather conditions. Overall, there are many reasons why car wind up in ditches. The good news is that you have several options to choose from, all of which will help to ensure your safety, protect your vehicle, and get you back on the road again.

Continue reading to learn what you can do to pull your car out of a ditch in the safest way possible.

24 Hour Towing and Roadside Assistance
Emergency Towing and 24 Hour Roadside Assistance 317-247-8484

Secure Your Safety Before You Begin

Even though you are on the side of the road, you are still vulnerable. So, the very first task you have after driving into a ditch is ensuring your safety and the safety of your passengers if you have any. Do this by first by turning off your ignition and putting your hazard lights on. Next, you will need to also put your parking brake on to prevent sliding down further into the recession. If you are in a high-traffic area or on a dangerous roadway, you should contact police and inform them of your accident so they can help block traffic.

3 Ways of Getting a Car Out of a Ditch:

Alter Your Vehicle’s Weight

If your vehicle was not damaged, you might be able to drive it out of the ditch yourself. Do this by adjusting your vehicle’s weight. If you have heavy items in the backseat or trunk, get rid of them temporarily. This includes all passengers. Just be sure they are safe and far from the side of the road. A lighter load can help your car get out. Also be sure to remove your parking brake before trying to drive out. If you are stuck in snow or mud, you will actually need the extra weight to gain traction. This brings us to your next option.

Add Some Traction

Your car is stuck because it lacks a sufficient amount of traction to grab the ground and propel itself out. To remedy this problem, find some traction. If you have rear wheel drive, place something that will provide traction behind the rear tires. If you have front wheel drive, place these items in front of the front tires. Items that may work include carpet mats, sand, cardboard, clothing, and blankets.

Contact a 24 Hour Tow Truck for Emergency Roadside Assistance

It is pointless to try over and over again if your car is stuck. After a few attempts, if you are not successful, it is time to contact an Indianapolis roadside assistance towing company. They have the proper equipment to safely pull your car out of a ditch. They operate on a 24 hour basis, and can respond to your location quickly because they are dispatched from the road. Their rates are fair as long as you choose a reputable and experienced towing service.

Affordable Indiana Tow Truck and Roadside Assistance Services

Call Zore’s Towing at 317-247-8484 for 24 hour towing and roadside assistance in Indianapolis and throughout Central Indiana. Our friendly staff is waiting by the phones, ready to help you get back on the road, safe and sound. We operate 24 hours a day, 7 days a week, and 365 days a year, so you can always count on us. Request a free estimate, today.

Indianapolis Towing & Recovery 317-247-8484

Top Safety Tips for Driving in the Winter

It’s officially winter. Days are mostly dreary and cold, portending the snow and ice that will soon be upon us. As we can expect from every Indiana winter, streets and roadways will certainly be slick, slushy, and at times, even frozen over. When the winter storms come in, they really make driving conditions dangerous and unpredictable, so it is critical to your safety and the safety of others to use extreme caution and care when driving in such conditions. Accordingly, it is important to remember how to safely operate your vehicle, navigate in winter weather, and manage road emergencies.

Continue reading to review some vital safety tips for winter driving and be sure to pass them along to your friends and family too!

24 Hour Towing and Roadside Assistance 317-247-8484
24 Hour Towing and Roadside Assistance 317-247-8484

Winter Driving Tips You Need to Know

You never know what to expect with winter weather, so being prepared is key. One of the most important rules of safe driving that applies all year long is to have your vehicle serviced professionally according to its individual needs and its manufacturer’s maintenance schedule. When your vehicle is in good condition, it is in its safest form. This includes parts, fluids, tires, and more.

Another important part of being prepared is keeping an emergency roadside assistance kit in your vehicle at all times. There are various types of kits available at the stores, all with different items. Choose whichever kit best fits your emergency roadside needs, such as jumper cables, road triangles, flashlight, first aid kit, blanket, and more. See our blog, “Put a Roadside Emergency Kit in Your Car” to get some ideas on how to create your own. Below are some additionally important tips to remember when driving in inclement weather.

Additional Driving Safety Considerations

⚠ Keep at least a half a tank of gas in your vehicle at all times.
⚠ Periodically check for proper tire inflation.
⚠ Do not leave a vehicle running in an enclosed garage.
⚠ Always wear your seat-belt.
⚠ Always ask passengers to buckle up too.
⚠ Never drive when you are too tired or drowsy.
⚠ Always keep your eyes on the direction you are steering.
⚠ Avoid using the parking brake in wet or slick conditions.
⚠ Avoid using cruise control in wet or slick conditions.
⚠ Accelerate and Brake slowly on wet or snowy roads.

Long Distance Driving Safety

⚠ Have your vehicle serviced before you leave.
⚠ Watch the weather before you leave to be prepared
⚠ Be sure you fully-charge your car phone and bring an emergency charging unit.
⚠ Delay leaving if weather is too extreme.
⚠ Check your emergency roadside kit and refill as needed.
⚠ Check that your exhaust pipe is not clogged with snow.
⚠ Pack extra blankets.

If you get stuck in the snow, stay with your vehicle and call for help.

Towing and Roadside Assistance for Indiana

Call Zore’s Inc. at 317-247-8484 for friendly 24 hour towing, recovery, and roadside assistance and advice in Central Indiana. We open a family-owned and operated business for 90 years, so you can trust us for prompt and professional service. We are open 24 hours a day, seven days a week, and 365 days a year, so our certified tow truck operators can be there for you anytime, any day! Request free estimates, anytime.

Indianapolis Towing & Recovery 317-247-8484

Steps to Take Directly After a Non-Fatal Auto Accident

Auto accidents happen suddenly and are never planned, so being scared is normal.  After an auto accident has occurred, it is important to take the necessary steps to start repairing the situation.  Continue reading for more information on what to do after you have been involved in a car accident.

Indianapolis Emergency Towing 317-247-8484

Indianapolis Emergency Towing 317-247-8484


Auto Accident Instructions

Take Safety Precautions and Protect Yourself from Further Danger

Be sure that you, and anyone else in the vehicle with you, are safe and away from oncoming traffic.  If the vehicle still drives, pull it to the side of the road.  If it does not, walk away from the car and get off of the road as soon as possible to avoid getting hit.  If you are in a situation where you cannot exit the vehicle due to safety (such as a cliff or ravine), clasp your seat belt and remain in the car until emergency services arrive.

Make an Accident Report

If there is someone that is seriously injured in the accident, call 911 immediately.  Otherwise, proceed to call the police.  Your local police station will dispatch officers to make a police report of the accident, as well as, emergency vehicles in case of minor injuries.  Be ready to give general information to the police, such as name, phone number, description of the accident, persons involved in the accident, location, and the health status of each individual in your party.  Once this information is passed along, the operator will give you further instruction and may even stay on the line with you until their units arrive.

Write Down a Detailed Description of the Accident Scene

As you are waiting for emergency and police services to arrive, begin taking detailed notes of the scene of the accident.  Write down everything you remember from the start of the accident to the finish.  This allows you to recall particular details of the incident later on without any trouble.  It can help when filing insurance claims and the police report as well.

Car Accident Towing in Indianapolis

Indianapolis Towing

Indianapolis Towing 317-247-8484

For more information about what to do after being involved in an auto accident, call Zore’s Towing in Indianapolis, Indiana today.  We are an expert fleet of tow trucks that provide accident towing services for all of Indy.  Call us at 317-247-8484 for auto accident instruction information and accident towing in Indianapolis, IN.

Did Your Car Just Break Down in Indianapolis, IN?

What Should I Do When My Car Breaks Down on the Road?

Roadside Assistance Services 317-247-8484

Roadside Assistance Services 317-247-8484

Hopefully, while driving, your car will hint to you that there is a problem. If this is the case, then you have a tiny bit of forewarning to start getting on the right side of the road in case you need to pull over and stop. This goes especially for highway driving. When you’re pulling your car off to the side of the road because you are hearing or feeling something abnormal, follow these safety tips:

Attempt to roll or coast along the shoulder of the road or highway, avoiding turns and curves in the road behind you. That way, oncoming traffic will see you in advance and have time to react and drive around you. This also helps when you are ready to get back on the road, you can see the oncoming traffic too.

Let’s say your engine dies directly in the middle of the highway. What do you do? Well, you DO NOT GET OUT OF THE CAR! It is very dangerous to get out of your car on a busy highway.

Even if the road seems remote, you never know what’s going to come flying out of nowhere. It is important to remain safe. Every feels embarrassed and anxious when your car is dead in the middle of the road and there is traffic piling up behind you, but there is no other option when it comes to safety. You have to remain on your car until help arrives. Trying to cross a busy highway on foot is basically suicide.

Now, if it is dark outside, keep your interior light on so that you are able to be seen by oncoming traffic. If the vehicle is still operating, keep the engine on so that you don’t juice out the battery from keeping the lights on.

The good thing is, most busy highways are heavily patrolled by local police officials and they will more than likely spot you and come to your aid if you don’t have a phone to contact help.

Safety Tips for When Your Car Breaks Down:

So, whether you are stuck in traffic, or parked along the shoulder of the road, always remember these safety tips:

1. Roll a piece of white cloth or paper in your driver’s side window to signal you need help. Be sure you roll the window back up and secure that cloth or paper in its place.

2. Use your cell phone to contact family, your auto insurance, or a local and professional towing company to come to your assistance. If you are not carrying a phone, look to see if there is an emergency call box near your vehicle, it is not safe to get out, but if it is close, try to safely reach it and contact help. Always get right back into the car after using a call box. Keep the doors locked and continue waiting for help. If there is no call box that you can see, do not try to walk down the road and find one, just remain in your car with the white cloth and wait for highway patrol to stop and help you. They will see you, it is their job!

3. If it’s a flat tire or something you can work on yourself, never do these adjustments on the side that’s exposed to busy traffic. IF you can, try to drive the car a little more off the road so that you may reach the side that needs fixed, without being exposed to the traffic.

4. If it is daytime, turn on your hazard lights to warm oncoming traffic. Do not do this at night, it can cause another accident.

5. If it is nighttime, when traffic dies down, quickly place emergency triangles and warning light around your car if you have an emergency car kit. This will warn people that you are broken down and to avoid running into you. If you don’t have an emergency car kit, just keep your interior lights on, but keep your engine running as well if you do this so your battery doesn’t die. If your car engine can’t run, go ahead and keep your interior lights on anyway because it’s safer.

6. Always keep in mind that you are more protected when you are carry a cell phone, and have a road-side assistance company protecting you on the road. Otherwise, a trusting tow company can do all the things road-side assistance can do for you, and usually at a better cost.

Towing in Indianapolis

Zore's Towing Indianapolis 317-247-8484

Zore’s Towing Indianapolis 317-247-8484

Zores Towing can offer you exceptional and speedy roadside assistance 24 hours a day in Indianapolis, Indiana. Check out our new Indiana towing press release. Call us for help if your car breaks down in Indianapolis, IN at 317-247-8484, or visit our website at https://www.zorestowing.com today.

What to do after you have been in a car accident in Indiana?

Indianapolis Emergency Towing 317-247-8484

Indianapolis Emergency Towing 317-247-8484

Society sometimes neglects to remember how dangerous driving really is. The NHTSA (National Highway Traffic Safety Administration) reported that in 2008 alone, there were more than 6 million traffic accidents reported by police, and within those accidents, nearly 40,000 were fatal. Even for the most experience drivers, it is recommended to always know what steps to take directly after an auto accident.

Collisions and accidents can be scary situations, but knowing what to do gives you the power to take control of the situation and protect yourself and the people around you.

Here are some tips for what you should do after you have been in a car accident:

1. Stay Calm and Breathe.

Right after an accident it is easy to lose your cool and panic, but panicking will only heighten the severity of the situation. Don’t let shock, fear, guilt, or anger come between you and your primary goal of getting to safety. Some find it helpful to take five deep breaths and breathe slowly. Others find solace in counting backwards from ten. Do whatever works for you, so long as you are calm, because being calm allows you to be more prepared to handle the situation. While you are calming down, use this time to assess the seriousness of the accident and the environment around you.

2. Keep Yourself Safe and Anyone With You Safe.

If it is safe to get out of your car, and if you are able to do so, be sure it is a safe area, away from traffic and dangerous caverns or drop offs. If it does not appear to be safe to exit the car, or you are unable to get out, put on your seat belt, flip on your hazard lights, and call 911. If you were able to get out of your car, safely, and the car can still drive, be sure to move it out of the way of traffic and off a busy road, like on a highway shoulder or the very side of the road.

If the auto accident doesn’t seem to be major, turn your engine off and grab an emergency kit if you have one. The kit should include road cones, emergency flares, or warning triangles. If it does, put these items around your vehicle to warm others of the accident site.

Making an Accident Report

Begin checking the health condition of everyone involved in the collision or wreck. Check to see if anyone is feeling hurt or not feeling normal. If this is the case, then don’t wait another minute and call 911 Emergency. Once you get 911 on the phone, be ready to give them the following information:

– Name and phone number
– Detailed description of the emergency (Traffic Hazard, Fire, Injury, Etc.)
– Location information (City, Road Name, mile markings, traffic signs and direction of traffic, etc.)

Always remain on the phone with the 911 dispatcher until he or she allows you to hang up the line. This is for safety precautions of course.

Even if there are no injuries, you can still have the police come and make a report of the accident for insurance reasons; or if you need someone to be the mediator of a situation. The Indianapolis Police Department can help you figure out what happened and what to do next.

Write Down the Other Driver’s Information

If there are no serious injuries and it is just the cars that have been hurt, then you should be able to request contact and insurance information from the other person involved in the accident. You will need to ask for:

– Driver’s License (name, address, and driver’s license number)

– Write down the license PLATE number

– Insurance Company Card (They might have a card to give you with all the insurance info on it, if not you will have to write it all down, but always request to see their insurance information. You need the policy number and the name of insurance company)

– Car Owner Info (If the other driver is not the actual owner of the vehicle, be sure to get the actual owner’s information as well as the driver.)

Write Down a Description

Take as many notes as you can on the scene of the accident and the moments that led up to the collision. Photos are helpful as well. This helps the insurance companies determine who is at fault for the accident if there is anyone at fault at all. They will want to know what direction you were coming from and the direction the other driver was driving in, they will want to see pictures of road signs, and traffic signs around the area of the incident.

You can even draw out a rough sketch of the accident, laying out the lanes that the cars were in and the direction they took from that lane. You can also mark down the weather conditions, dates, times, and anything else that might be relevant to the causes of the accident.

All these things can only be done if the accident was not serious, like a fender bender, or bumper hit (basically if the airbag doesn’t pop out). If the accident is more serious and there are injuries, remaining in your vehicle and calling 911 is the only thing you need to worry about.

Accidents in Indiana are terrible situations, and even if you think the accident was your fault, it may not be. That is why you need to provide the police and insurance companies with as much evidence as possible so that they may determinedly fairly who was at fault.

Indianapolis Roadside Assistance

Zore's Towing Indianapolis 317-247-8484

Zore’s Towing Indianapolis 317-247-8484

If you need roadside assistance or a tow for your car or truck due to an auto accident, please contact Zore’s at 317-247-8484. We have been helping Hoosiers in Indiana with car accidents since 1927.