Is an insured driver responsible for a damage caused by vehicle being towed?

Generally, the insured driver's liability coverage extends to damage caused by their vehicle, regardless of whether the vehicle is being driven or towed. However, the specific terms and conditions of the auto policy may vary, and there may be certain exclusions or limitations that apply to towing situations. It is important to carefully review the policy to determine the extent of liability coverage and understand any applicable exclusions.

For instance, some policies may exclude coverage for damage caused while the vehicle is being towed by a non-professional towing company or if the damage occurs due to improper or negligent towing practices. Additionally, there may be limitations on the amount of coverage available for damage caused during towing.

In the event of an accident or damage involving a towed vehicle, it is important to promptly notify the insurance company and provide any relevant information about the incident. The insurance company will investigate the claim and determine whether coverage applies based on the policy terms.