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Towing and Your Insurance Claim in New Jersey: What to Keep and How Reimbursement Works
We do not bill insurance companies. You pay us directly and get an itemized receipt, and that receipt, with your photos and the police report number, is what most adjusters ask for when you claim the tow.
Why drivers filing insurance claims call The NJ Towing Service
Drivers often assume the tow company will deal with the insurer. Some do, and the price is then whatever the insurer's network allows and the car often goes where the network sends it. We work for the driver. The price is quoted before the truck leaves Linden, you choose where the car goes, and you leave with the paperwork to claim the cost back under your policy.
New Jersey uses no-fault auto insurance, which means your own Personal Injury Protection (PIP) pays your medical bills regardless of who caused the crash. Damage to the car, and towing it, is usually handled under collision coverage, a separate towing or roadside endorsement, or the at-fault driver's liability coverage. What is covered depends on your policy, so call your insurer or agent and ask before you assume.
For a breakdown rather than a crash, many roadside plans and towing endorsements reimburse an out-of-network tow or service call. The itemized receipt is what their form asks for. See accident towing for how a crash tow is priced, and roadside assistance for the service calls a roadside plan usually reimburses. Because the price is quoted before dispatch, you know the amount you will be claiming before the truck arrives, and nothing is added later for the hour, the day or a holiday. If you want to read more before you call, the towing questions page answers the common ones.
One number, 24/7, price first.
Call nowProblems we solve for drivers filing insurance claims
The calls we get most from drivers filing insurance claims, and what we do about each.
What the receipt shows
Pickup location, time, destination, hook fee, mileage and any winch or dolly work, sent by text or email so it is easy to forward to the adjuster.
Photos at both ends
Take your own photos at the scene. Our driver also photographs the car at pickup and at drop-off.
The police report number
If police responded, ask the officer for the report number before you leave. Adjusters ask for it.
Storage charges you did not choose
Delivering the car straight to your shop or driveway avoids daily storage that a policy may not fully cover.
Choosing the repair shop
You can take the car to the shop you choose. Ask your insurer how they handle estimates at a shop outside their network.
Describe the problem; the dispatcher picks the truck.
Call nowOur standards for drivers filing insurance claims
The price is quoted before dispatch so you know the amount you will claim.
✓ You choose where the car goes.
✓ Every job ends with an itemized receipt by text or email.
✓ 24/7 dispatch with no night, weekend or holiday surcharge.
Recommended services for drivers filing insurance claims
The services drivers filing insurance claims use most, each with its guide.
Accident Towing
After a crash we recover the vehicle, clear the lane, and deliver it to the body shop or storage yard you choose — not one we pick for you. Accident Towing · Accident Towing guide
Emergency Towing
Broken down on Route 1, Route 22, I-78 or a side street? A flatbed or wheel-lift truck is dispatched from Linden the minute you call, day or night. On the Turnpike or Parkway, book with us and we take the car from the exit. Emergency Towing · Emergency Towing guide
Flatbed Towing
All four wheels off the ground. The right way to move AWD, luxury, lowered, electric and non-running vehicles without adding a scratch. Flatbed Towing · Flatbed Towing guide
Roadside Assistance
Not every breakdown needs a tow. Jump starts, tire changes, lockouts and fuel — a tech comes to you and often you drive away. Roadside Assistance · Roadside Assistance guide
Local Towing
Shop, dealer, driveway, or across town. Flat local rates across Union, Middlesex, Essex and Hudson counties with no surprise mileage. Local Towing · Local Towing guide
Towing for drivers filing insurance claims by New Jersey county
Every county in our 45-minute territory, each with its towns and roads.
- Towing in Union County
- Towing in Middlesex County
- Towing in Essex County
- Towing in Hudson County
- Towing in Somerset County
- Towing in Morris County
- Towing in Monmouth County
- Towing in Bergen County
- Towing in Passaic County
- Every town we cover
- Every street we cover
If it is within 45 minutes of Linden, we cover it.
Call nowOther customers we work with
Thirteen kinds of drivers and businesses call the same dispatch.
- Towing for stranded motorists
- Towing for commuters
- Towing for fleet managers
- Towing for delivery drivers
- Towing for rideshare drivers
- Towing for commercial trucking
- Towing for ev drivers
- Towing for luxury and sports car owners
- Towing for accident victims
- Towing for body shops and mechanics
- Towing for car buyers and dealers
- Towing for motorcycle riders
- Who we tow for
Same number for everyone.
Call nowQuestions from drivers filing insurance claims
Short answers for drivers filing insurance claims.
Will you bill my insurance company directly?
No. You pay us by card, Apple Pay, Google Pay or cash, and we give you an itemized receipt to submit with your claim.
Does PIP pay for the tow?
PIP in New Jersey covers medical expenses. Towing is usually covered, if at all, under collision, a towing or roadside endorsement, or the other driver's liability coverage. Check your policy or ask your agent.
What documents should I keep for the claim?
The itemized tow receipt, your photos of the scene and the car, the police report number if police responded, and the other driver's insurance information.
Can I use a roadside plan's reimbursement instead?
Many plans reimburse an out-of-network tow or service call up to their limit. Submit our itemized receipt with their form.
Should I report the tow to my insurer before or after?
Either works for most policies, but it helps to call your insurer or agent soon after the accident. Ask what they need, and keep the receipt and photos ready to send.
Drivers Filing Insurance Claims: call dispatch anytime.
Call nowNeed towing for drivers filing insurance claims right now? One call, truck on the way.
Real dispatcher, 24 hours a day. Quoted price before we roll.