- 2910 Business One Dr, Kalamazoo, MI 49048
- Mon–Sun: Open 24 Hours
- (269) 548-4665
Michigan no-fault covers accident towing. Breakdown towing needs a roadside add-on. Calling us directly is almost always faster than going through insurance dispatch.
Michigan requires all drivers to carry no-fault auto insurance — but most people don’t fully understand what that covers when it comes to towing. This guide explains exactly what your insurance does and doesn’t cover, and how to handle towing calls efficiently.
Michigan no-fault Personal Injury Protection (PIP) and Property Protection Insurance (PPI) cover accident-related costs — including towing following an accident. If your vehicle is disabled in an accident, reasonable towing costs to the nearest repair facility are covered under your no-fault policy.
Important: no-fault covers the tow from the accident scene. If you want the vehicle towed further — to a preferred shop across town or to a storage facility — you may be responsible for the additional mileage above the minimum covered distance. Confirm with your insurer.
No-fault insurance (required): Covers reasonable towing after accidents. Does NOT cover non-accident towing (breakdowns, lockouts, flat tires).
Roadside assistance add-on (optional): Covers non-accident towing, jump starts, lockouts, flat tires, fuel delivery. Limits vary by carrier — typically 3–10 miles per tow, with per-incident or annual limits.
Comprehensive/collision coverage: Covers accident damage but NOT towing separately — towing is covered under no-fault.
AAA or other roadside clubs: Independent of your auto insurance. Provides towing, lockout, flat tire, fuel delivery. Limits vary by membership tier.
Keep our number saved: (269) 548-4665. In an emergency, calling us directly is faster than routing through an insurance dispatch system that then contacts a third-party company.
Most major insurers (State Farm, Allstate, Progressive, Geico, Farm Bureau Michigan, Auto-Owners) offer roadside assistance add-ons for $5–$15/month. The typical process:
Faster alternative: Call Kalamazoo Towing and Recovery directly at (269) 548-4665. We dispatch immediately — typically 30+ minutes faster than waiting for insurance dispatch. After the tow, you can submit the receipt to your insurer for reimbursement up to your coverage limit.
Michigan no-fault insurance (mandatory) covers towing costs following an accident. For non-accident towing (breakdown, lockout, flat tire), you need a roadside assistance add-on to your policy or a separate roadside club like AAA.
Generally yes — you need to authorize the tow and direct where the vehicle goes. If you cannot be present, coordinate with your insurer and towing company in advance.
Yes — calling us directly is almost always faster. We answer immediately and dispatch without waiting for insurance authorization. We can coordinate billing with your insurer afterward for covered tows.
You’re responsible for the overage above your plan’s covered miles. Always ask your insurer for the exact mileage limit before assuming you’re fully covered. We’ll explain costs upfront so you can make an informed decision.
Real person answers 24/7. Average response under 30 min across Kalamazoo County.
From Portage to Parchment, Oshtemo to Vicksburg, Mattawan to Battle Creek — if you’re within Kalamazoo County or along I-94, we’re your towing company.
2910 Business One Dr, Kalamazoo, MI 49048
(269) 548-4665
Monday–Sunday: Open 24 Hours
4.9★ (58+ Reviews)
Real Google reviews from real customers. Earrion, Jason, and the entire KZOO Towing team have earned a 4.9-star rating by doing the job right, every single call.
Jason Arndt’s team answers 24/7 — no automated system, no hold queue. Upfront pricing before we hook up. Under 30 minutes in most of Kalamazoo County.
