It depends on the policy. Many auto insurance plans include roadside assistance or towing coverage — often through a specific add-on, a comprehensive claim after an accident, or a separate club membership — but coverage isn't universal. Call your insurer to confirm your limit, and call (970) 432-4480 for the tow itself.
What kind of coverage actually pays for a tow?
Three types show up most often: a roadside assistance add-on some insurers sell separately from the base policy, a comprehensive or collision claim that covers towing after an accident or breakdown, and a standalone membership like an auto club that isn't tied to your insurance at all.
None of these kick in automatically just because you have a policy — each one has to actually be on your plan.
Does a basic policy include towing?
Usually not. A standard liability-only policy — the minimum most states require just to drive — typically doesn't include towing unless a roadside rider was added on top of it. Centennial Towing is rated 5.0 across 41 Google reviews, but a rating doesn't override what your policy actually covers — read the fine print before you need it, not after.
Do I pay Centennial Towing directly and get reimbursed?
That depends on your provider's process, not on ours — some insurers reimburse after the fact, others coordinate directly with the tow company. Call (970) 432-4480 and ask; if your provider requires specific paperwork or a call-in authorization, dispatch can tell you what they need on their end before the truck arrives. Centennial Towing answers 24 hours a day, every day of the week, so you don't have to wait for business hours to start that process.
What should I have ready when I call my insurer?
Your policy number, the vehicle's location, and a description of what happened — mechanical breakdowns and accident-related tows are sometimes handled under different parts of the same policy. Confirming coverage before the truck arrives saves a dispute after it's already been towed.
Does AAA or a similar membership work with Centennial Towing?
Membership programs vary by provider and by what they authorize for a given call. Call (970) 432-4480 with your membership details and dispatch can tell you what's possible for your specific situation.
What if I don't have towing coverage at all?
You pay directly for the tow, the same as anyone without coverage. Call (970) 432-4480 for a price based on your vehicle and distance before the truck is sent.
Is a breakdown covered the same as an accident?
Not always — some policies cover accident-related towing under collision or comprehensive claims but treat a mechanical breakdown differently under a separate roadside rider. Check with your insurer which situation applies before assuming coverage.