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When an auto insurance policy offers Towing and Labor it will specify the amount of the benefit per occurrence.  Usually, $50, $75, or $100 depending on how much you purchase on this benefit. Unlike Rental Reimbursement which activates only if there is an insurable loss, this benefit is there even in the case of mechanical breakdown.

There are two approaches insurance companies us for this policy feature:  1. Towing and Labor is a "reimbursement" benefit.  You pay up front and the company reimburses you up to the policy limit.  The general coverage is to reimburse the insured for towing a vehicle from the point of disablement or for the labor at the point of disablement if it will make the car roadworthy again.  That could include changing a tire, jump starting the car, having gas brought to the car or even opening the car if you lock the key inside.  2.    Some companies, now, offer Roadside Assistance.  With this benefit, the insured calls in a claim and a tow truck is dispatched through an outside vender to tow your vehicle, even if the tow is required from your garage to the repair shop. In most cases there is no limit of coverage.

Some cars may not be eligible to T & L due to their age.  But, usually, a vehicle does not have to be insured for full coverage to received this benefit.
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