Towing and storage costs often come as an afterthought, until a car won’t start or an accident leaves it stuck on the side of the road. In Mississippi, whether auto insurance through Storey Insurance, serving Senatobia, MS, helps with those costs depends on how the situation unfolds and why the vehicle needed to be moved in the first place.

When Towing Is Part of the Claim

If a vehicle is involved in an accident and can’t be driven safely, towing is usually a necessary next step. In those cases, towing is often treated as part of the overall incident rather than a separate issue. Mississippi law allows law enforcement to order a tow when a vehicle is blocking traffic or poses a safety concern, which means the tow may happen before the driver has much say in the matter.

How Storage Costs Enter the Picture

Once a vehicle is towed, it usually ends up at a repair shop, tow yard, or holding lot. Storage costs can start accumulating quickly, especially if the vehicle sits for several days. Insurance may address reasonable storage for a short period while the situation is being sorted out, but long delays can complicate things. Moving the vehicle promptly, once allowed, is often expected.

Situations That Can Change the Outcome

Not every tow is treated the same way. If a vehicle is towed due to a breakdown, parking violation, or non-accident-related issue, insurance may not be involved. Storage tied to those situations is usually handled differently than storage following a covered accident. Each situation is reviewed based on the details, not assumptions.

Understanding how towing and storage are handled ahead of time makes stressful moments easier to manage. Your insurance agent at Storey Insurance, serving Senatobia, MS, can walk through common scenarios and explain what typically happens when a vehicle needs to be towed or stored unexpectedly.

Assessing a preowned vehicle that you plan on purchasing will help you determine the amount of auto insurance you need. Use the tips below to assist with this task.

Usage Considerations

The intended use of a vehicle could influence the amount of coverage you need. Some vehicles are equipped to handle large loads of cargo, which could make it necessary to carry additional insurance coverage.

Auto insurance that is designed to protect personal property would safeguard any items that are stowed within the cargo area. If you are involved in an accident and some of your possessions are damaged, the insurance may cover the cost of repairing or replacing the items that have become compromised.

When you assess a preowned vehicle, think about how you would use it for your personal needs.

Vehicle Accessories

Inspect the accessories that the preowned vehicle is equipped with. Stereo equipment, towing equipment, lighting, and other accessories of value could become damaged during an accident or burglary.

Adding the items of value to your auto insurance policy will ensure that you have adequate coverage if any of the items are damaged or stolen at a later time.

Maximum Speed and Overall Value

The maximum speed that a preowned vehicle is capable of may influence how safe you are while driving. And the overall value of the vehicle could affect the amount of coverage you need. During your assessment, consider account how well the vehicle was maintained by the original owner. 

Auto Insurance Support

One of our Storey Insurance agents will prepare your auto insurance documents for you. Contact an agent who serves Senatobia, MS, for further assistance with your personal insurance policy. They’ll be ready to assist you.