Out of State Accident Towing: Get Your Car Home Safely

What Happens Right After an Out of State Accident?

Your car just got hit. You're stressed. You're far from home. Here's what you need to do first.

Don't move your vehicle if it's safe to do so. Turn on hazard lights. Move to a safe location away from traffic. Call 911 if anyone's injured.

Next, call your insurance company or roadside assistance. They'll help arrange out of state accident towing right away. Most major providers like State Farm and Progressive cover towing nationwide. If you have roadside assistance through AAA or your insurance, use that number first—they have established relationships with towers in that state and can expedite service.

How Do You Find a Reliable Tow Company Out of State?

You're in an unfamiliar place. You need a trustworthy tow truck fast.

Your insurance company often provides a preferred network of towers. Ask for this list first. They've already vetted these providers. This is your safest option because your insurer has quality standards and existing agreements with these companies.

If you need to find one yourself, use USA Tow Finder to locate licensed towing services near you. Look for companies with strong reviews and proper licensing in that state. Check Google ratings, Yelp reviews, and the Better Business Bureau for complaints or patterns of issues.

Ask these questions before they arrive:

• Are you licensed in this state?
• What's your total fee, including mileage?
• Do you accept my insurance?
• How long until you arrive?
• Can you tow to my destination or just a nearby shop?
• What payment methods do you accept?
• Will you provide an itemized receipt?
• Are there any additional fees I should know about?

What Documentation Do You Need to Collect?

This matters for your insurance claim. Get it right now.

Take photos of all vehicle damage from multiple angles. Photograph the accident scene, including road conditions, traffic signs, and vehicle positions. Get the other driver's information, insurance details, and contact information. If there are witnesses, get their names and numbers too.

Write down the tow company's name, driver name, and truck number. Get a receipt with their fee breakdown. Request an itemized invoice that shows the base towing fee, mileage charges, equipment fees, and any other costs separately.

Take photos of the tow truck's license and credentials. Note the exact time you called for help and when they arrived. If possible, photograph the odometer reading before towing begins to verify mileage charges later.

Keep all documentation together. You'll need it for your insurance claim and potential disputes about towing fees. Create a folder on your phone or computer with all photos and documents organized by date.

How Do State Towing Laws Affect Your Out of State Accident?

Here's the thing: towing laws change by state. Your rights in California differ from Texas. Some states are very consumer-friendly while others have minimal protections.

Some states cap maximum towing fees. Others don't. Some require disclosure of all charges before towing begins. Others don't. For example, California has strict regulations limiting what towers can charge, while some southern states have virtually no fee caps.

Check Towing Laws by State: Your Rights & Protection Guide 2026 for specific regulations in the state where your accident happened.

Before you agree to towing, ask the company to explain all charges. Get this in writing if possible. Some states require it. Don't sign anything until you understand every fee. If a company refuses to provide written quotes or seems evasive about pricing, that's a red flag—call your insurance company instead.

What's Covered Under Your Insurance for Out of State Towing?

Your insurance probably covers this. But let's confirm.

Most comprehensive and collision policies include towing coverage. The limit is usually between $50 and $200 per incident. Some policies cover up to $1,000. Premium policies might offer even higher limits or unlimited towing.

Call your insurance agent before the tow happens. Ask about your specific coverage limits. Ask if there's a preferred tow network in that state. Confirm whether your coverage applies to out-of-state incidents—most do, but some regional insurers have restrictions.

If your policy doesn't cover towing, you're responsible for the bill. This can get expensive for long-distance tows. That's why checking first matters. Some drivers find it worthwhile to add roadside assistance to their policy specifically for this reason.

Learn more about what's covered in our Towing Insurance Coverage Guide: What's Covered and What's Not.

How Much Does Out of State Accident Towing Cost?

Costs vary wildly by state and distance. Here's what you should expect.

Basic towing within your state usually costs $75 to $150. Long-distance towing can jump to $3 to $5 per mile. A 200-mile tow could cost $600 to $1,000. Accident scene towing often adds premium charges of $50 to $300 because it requires more care and coordination with emergency responders.

Out of state accident towing is often more expensive because:

• Different state regulations mean different rates
• Distance from home adds mileage charges
• Specialized equipment costs more
• Accident scene towing charges premium fees
• After-hours or weekend service costs extra
• Heavy vehicle towing or special equipment needs increase costs

Ask for the quote in writing. Request a breakdown of all charges. Some companies charge setup fees, mileage, and equipment fees separately. Compare quotes from at least two companies before deciding.

For detailed pricing information, read our How Much Does Towing Cost in 2025? Complete Pricing Guide.

Should You Tow to a Local Shop or Back Home?

This is a big decision. Think carefully.

Towing to a local shop: You get an immediate damage assessment. The shop can start repairs right away. You don't rack up storage fees. But you're dealing with an unfamiliar repair shop. You might worry about quality and trustworthiness.

Towing back home: Your trusted mechanic handles repairs. You know their work quality. But long-distance towing costs more. Storage fees add up if the car sits. You'll also need transportation while the vehicle is being towed.

Consider these factors:

• Damage severity (minor vs. major repairs)
• Distance home
• Your insurance coverage limits
• Whether the local shop is reputable
• Storage costs in both locations
• How long you'll be staying out of state
• Whether your home shop can handle out-of-state warranty claims

For long-distance towing considerations, check our Long-Distance Towing Guide: Cross-State Considerations.

How Do You File Your Insurance Claim for Out of State Accident Towing?

File this claim quickly. Delays can complicate things.

Contact your insurance company within 24 hours of the accident. Have your policy number ready. Provide the accident details, location, and damage description. Most insurers have 24/7 claims hotlines specifically for this purpose.

Submit your documentation:

1. Photos of vehicle damage
2. Photos of the accident scene
3. Other driver's information
4. Police report number (if one was filed)
5. Towing receipt and invoice
6. All repair estimates
7. Witness contact information

Your insurer will assign a claims adjuster. They'll review everything and approve towing coverage. This usually takes 3 to 7 business days. During this time, stay in contact with the repair shop to get updates on damage assessment.

Keep copies of everything. You might need these documents if disputes arise about towing fees. Some insurers request photos or videos of the towing process itself.

What If You're Stuck Without Roadside Assistance?

You didn't have roadside assistance. Now what?

First, stay calm. You have options. Call your insurance company directly. Ask if they have preferred tow networks in that state. Even without roadside assistance, your collision or comprehensive coverage might include towing benefits.

Use USA Tow Finder to search for licensed providers nearby. Check their reviews and ratings. Call multiple companies for quotes. Compare at least two or three options before deciding.

Ask about payment options. Many companies accept credit cards, cash, or direct insurance billing. Some require payment upfront. Clarify this before the tow begins so there are no surprises.

If you're in a major city, rideshare services can get you somewhere safe while waiting. Don't leave your vehicle unattended without telling someone where it is. Stay in a safe location, preferably inside a nearby business if possible.

How Can You Avoid Future Out of State Accident Problems?

Prevention is easier than dealing with this mess.

Get roadside assistance coverage before you travel. AAA membership costs about $50 to $150 annually. It covers towing nationwide and includes other benefits like lockout service and fuel delivery.

Check your insurance policy. Upgrade to a plan that includes comprehensive towing coverage with higher limits. Many insurers offer roadside assistance as an add-on for just a few dollars per month.

Keep emergency supplies in your car: jumper cables, flashlight, first aid kit, phone chargers, and a basic tool kit. These help in minor situations. Also keep bottled water and a blanket for emergencies.

Before long road trips, have your vehicle inspected. Check tire pressure, battery health, and fluid levels. Have your mechanic inspect brakes, belts, and hoses. A pre-trip inspection costs $50 to $100 but can prevent breakdowns worth thousands.

Research the states you're driving through. Understand their towing laws. Know which roadside assistance services operate there. Save important phone numbers in your phone before you travel.

What Rights Do You Have During Out of State Towing?

You have more rights than you might think.

Right to know all charges before towing begins. The company must disclose fees in writing in many states. This is your protection against surprise charges.

Right to choose your destination. You can request towing to your preferred repair shop or location. The tower can't force you to use their preferred shop.

Right to refuse service. If something feels wrong, don't agree to it. Call your insurance company first. You can always get a second opinion.

Right to your vehicle's contents. The tower can't charge extra to retrieve your belongings. Everything in your car belongs to you.

Different states have different protections. Check Private Property Towing Laws by State: Your Rights Guide 2026 for state-specific regulations. Some states are very protective of consumers while others have minimal regulations.

How Do You Handle Disputes About Towing Fees?

Sometimes towing companies overcharge. Here's how to fight back.

First, review your invoice carefully. Verify the mileage charged matches the actual distance. Check that rates align with the state's maximum allowed fees. Use Google Maps to verify the actual distance traveled.

Contact the towing company immediately if something seems wrong. Ask for an explanation. Request proof of the charges. Sometimes there are legitimate reasons for higher fees that weren't explained clearly.

File a complaint with your state's attorney general or consumer protection agency. Many states investigate towing company complaints. Document the company's name, location, and specific overcharges.

Report the issue to your insurance company. They often dispute unfair charges on your behalf. Insurers have leverage with towing companies and can often get fees reduced.

If the dispute is significant, consult a local attorney. Some offer free consultations for consumer issues. For disputes over $500 or more, legal action might be worthwhile.

Document everything. Keep receipts, photos, and communication records. These support your case if things escalate. Take screenshots of emails and save voicemails.

Should You Use Your Insurance's Preferred Network?

Usually, yes. Here's why.

Insurance companies vet their preferred networks. These towers meet specific standards. They're less likely to overcharge. Your insurer has quality control processes in place.

Your insurer often pays them directly. You avoid upfront costs. You're protected if disputes arise. This is a major advantage because you won't have to fight for reimbursement.

Using preferred networks also speeds up claims processing. Your insurer has existing relationships with these companies. Claims get approved faster and payment happens quicker.

But if the preferred option is far away or unreliable, you can use another tower. Just inform your insurance company first. Get approval before the tow happens. Most insurers will approve non-preferred towers if there's a good reason.

Ask about this when you call your insurer. Many policies allow flexibility while keeping you protected. Some insurers even reimburse non-preferred towers at reasonable rates.

What Happens After Your Vehicle Is Towed?

The towing is just the beginning. Here's what comes next.

Your vehicle arrives at the repair facility or your destination. The repair shop will assess damage and provide estimates. This assessment usually takes 24 to 48 hours for complex damage.

Your insurance adjuster will review the estimates. They'll approve repairs up to your coverage limits. If the shop finds additional damage during repairs, they'll get approval for those too.

If repairs exceed your deductible, you're responsible for that amount. If damage exceeds your policy limits, you might owe extra. Some insurers have special provisions for accident damage that exceeds limits.

While repairs happen, you'll need transportation. Check if your insurance covers rental cars. Many policies include this benefit. Some provide coverage automatically while others require you to request it.

Stay in contact with the repair shop. Ask for regular updates. Understand the repair timeline before you leave. Get a commitment on when your vehicle will be ready.

Common Mistakes to Avoid During Out of State Towing

Don't make these errors that could cost you money or create problems.

Signing blank documents: Never sign anything you don't fully understand. Read every line of the towing invoice before signing. Ask questions about any charges you don't recognize.

Accepting the first quote without comparing: Always get multiple quotes. Prices can vary significantly between companies. Spending 15 minutes getting quotes could save you hundreds of dollars.

Not calling your insurance company first: Always contact your insurer before arranging towing. They can guide you to preferred providers and confirm coverage. This protects you from unexpected out-of-pocket costs.

Leaving your vehicle unattended: Stay with your car until the tow truck arrives. This prevents theft and ensures the driver understands exactly where to tow it. If you must leave, have someone stay with the vehicle.

Forgetting to document everything: Take photos of the vehicle before, during, and after towing. Get the tow company's information in writing. These documents are crucial if disputes arise later.

Not checking state regulations: Different states have different towing laws and fee limits. Knowing these protects you from illegal charges. Spend 10 minutes researching before authorizing the tow.

FAQ: Common Questions About Out of State Accident Towing

Q: Does my insurance cover towing in every state?

A: Most policies cover towing nationwide. But limits and deductibles vary. Call your insurer to confirm coverage in the specific state where your accident happened. Some policies have restrictions or lower limits out of state. A few regional insurers might have geographic limitations.

Q: Can I choose which tow company comes to my accident?

A: Yes, but it's better to use your insurance's preferred network. If you choose another company, your insurer might not cover the full cost. Always get your insurance company's approval before the tow begins. Most insurers will approve non-preferred towers if you have a legitimate reason.

Q: What if the towing fee seems too high?

A: Compare it to your state's maximum allowed rates. File a complaint with your state's attorney general if it exceeds limits. Report it to your insurance company. They'll dispute unfair charges on your behalf. Use Google Maps to verify the distance charged.

Q: How long can a tow company store my vehicle?

A: Storage fees vary by state and company. Check Towing Storage Fees: Legal Limits by State 2026 for your specific state's regulations. Most states allow 10 to 30 days before charging storage fees. After that, daily fees accumulate quickly.

Q: Should I get my own tow truck or use the one at the accident scene?

A: Use the one your insurance company recommends. This ensures coverage and proper handling. Only call your own tower if the first one seems unreliable or overcharges. Getting multiple quotes before deciding is always smart.

Q: What if my car needs repairs before I can drive it home?

A: Get a damage assessment from the local repair shop. Your insurance will approve necessary repairs. Once completed, arrange towing to your home if needed. Some repairs can be done immediately while major damage takes longer.

Q: Can I travel out of state without roadside assistance?

A: You can, but it's risky. If something happens, you're responsible for towing costs. Getting roadside assistance before you travel costs $50 to $150 annually and saves thousands if needed. For frequent travelers, this investment pays for itself quickly.

Q: What information do I need from the tow company?

A: Get the company name, driver name, truck number, and license plate. Request an itemized receipt showing all charges. Get proof of their state licensing and insurance. Take photos of their credentials for your records.

Q: How do I report a towing company that overcharged me?

A: Contact your state's attorney general or consumer protection agency. File a complaint with your insurance company. Leave honest reviews on Google and Yelp. Consider consulting a lawyer for significant overcharges. Many states take towing complaints seriously.

Q: What's included in roadside assistance coverage?

A: Coverage varies by plan. Most include towing (usually 50 to 100 miles), lockout service, battery service, and fuel delivery. Check your specific plan details. Learn more in our Best Roadside Assistance: Complete 2026 Guide.

Prices from providers like State Farm, Progressive, GEICO, and AAA are current as of 2026. We're not affiliated with these companies.