I Need a Tow but Have No Money. What Are My Options?
Explore practical solutions for getting a tow when funds are tight, including insurance options, assistance programs, and flexible payment arrangements.
A broken-down vehicle can be stressful, especially if you can’t afford a tow. Towing services can be costly, but there are ways to get assistance without immediate payment.
Insurance Coverage
Some auto insurance policies include towing benefits, either as an optional add-on or within full-coverage plans. Check your policy to see if towing is covered and any limits that apply. Some insurers cover the full cost, while others set a cap on reimbursement based on mileage or dollar amount.
If your policy includes towing, the process varies. Some insurers require you to use a designated towing service, while others let you choose any provider and submit a reimbursement claim. Reimbursement usually requires an itemized receipt and proof that the tow resulted from a breakdown, not routine maintenance.
Many insurance companies also offer roadside assistance, which may cover towing along with services like jump-starts, flat tire changes, and lockout help. This can be included in higher-tier policies or available as a low-cost add-on.
Roadside Assistance Services
Motor clubs and membership-based organizations like AAA and Better World Club provide towing as part of their benefits. Coverage varies, with basic plans covering only a few miles and premium memberships extending the distance.
Some vehicle manufacturers offer free roadside assistance for newer cars, typically covering towing to the nearest dealership. Brands like Hyundai, Toyota, and Ford provide this service for a set number of years or miles. Check your warranty or contact the manufacturer to confirm eligibility.
On-demand roadside assistance apps like Honk and Urgently connect drivers with local towing providers. Unlike traditional memberships, these services don’t require a subscription, but they typically require payment at the time of service. Some offer financing or delayed payment options for those short on cash.
Payment Arrangements
Some towing companies allow deferred payment by storing the vehicle until the fee is paid. However, storage fees—often $20 to $50 per day—can accumulate quickly, so settling the balance as soon as possible is essential.
Installment plans may also be available, allowing you to pay over time instead of all at once. These usually require a down payment, and some companies conduct credit checks before approval. Asking about terms upfront can help avoid surprises.
Certain towing services partner with financing providers like Affirm or Klarna, allowing customers to split payments into installments. Others may accept collateral, such as a valuable item or even the vehicle title, though this carries the risk of losing the collateral if the debt isn’t paid.
Community Assistance
Local charities, churches, and nonprofit organizations sometimes help stranded motorists who can’t afford a tow. Some churches have emergency funds, while community outreach programs may offer financial aid or connect drivers with volunteers who provide free or reduced-cost towing.
Social media and neighborhood platforms like Facebook groups or Nextdoor can also be useful. Many communities have local assistance networks where people offer services for free or in exchange for small favors. Posting about your situation might lead to someone with a truck and tow strap offering to help, avoiding the need for a professional service. Some areas even have volunteer roadside assistance groups, often made up of car enthusiasts or retired mechanics, who help stranded drivers as a goodwill gesture.