Liability insurance covers the cost of damage or injury that you cause to others. So if you cause an accident and damage someone else's car, liability insurance will pay for the repairs. However, it will not pay for the cost of towing your own car.
If you want to be covered for towing costs, you need to purchase a separate roadside assistance policy. Roadside assistance policies typically cover the cost of towing, jump-starts, and flat tire changes.
