Recommendations for motorcycle towing insurance coverage?

Discussion in 'Bay Area Bikers' started by nunya, Feb 7, 2006.

  1. nunya

    nunya Guest

    Hi all;

    Had some battery problems while on the road the other day and discovered
    that neither my motorcycle insurance (State Farm) nor my CSAA membership
    cover motorcycle towing charges -- only refueling services are provided, at

    Can anyone recommend an insurance coverage that DOES cover towing?
    nunya, Feb 7, 2006
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  2. nunya

    notbob Guest

    You can kiss AAA off the list, too.

    notbob, Feb 7, 2006
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  3. nunya

    Rich Guest

    This is the only thing I know of that's available in NorCal:

    I used them until I moved to SoCal and bought a car -- AAA down here
    does offer motorcycle/RV coverage for about the same cost (above auto
    club membership, which I wanted once I became a cage owner) as MTS.

    My experiences with MTS were that their 800 line is well-staffed but the
    folks they send out 1. take their time, and 2. aren't particularly

    My best towing experiences have involved calling the service department
    of the shop that I'd intended to do the repair work. These have ranged
    from referring me to a tow company to picking up the bike themselves,
    sometimes at an extra charge and sometimes as a courtesy.

    If you do a lot of touring, you might want to assurance of a tow policy;
    for driving in town, I've found it largely unnecessary.

    Rich, Urban Biker
    Rich, Feb 8, 2006
  4. nunya

    Rich Guest

    CSAA, because they don't offer it. AAA-SOCAL does, though I've been
    fortunate to not have the chance to test its quality.

    R, UB
    Rich, Feb 8, 2006
  5. nunya

    mikereiche Guest

    Allstate road-side assistance covers it and I've used it.

    If you call for help and they tell you it will be 3 hours before one of
    their approved towing companies can get you, just call any company that
    tows motorcycles and send them the receipt for reimbursement.

    - Mike
    mikereiche, Feb 8, 2006
  6. nunya

    Bill Bornman Guest

    when this guy (see linked photo, below) showed up he told me to call AAA - said he towed bikes all
    the time. Unfortunately I was in So Cal and my CSAA didn't cover it. Considering I was about 10
    miles from the middle of nowhere I thought the service was great. This one tow would have paid for 4
    - 5 years of coverage as I recall.
    Bill Bornman, Feb 8, 2006
  7. nunya

    Andrew G Guest

    Foremost Insurance (a subsidiary of Farmers) have towing coverage, although it
    requires you to have Collision coverage. Whether you need to actually collide
    with something before they'll tow you is unspecified.
    Andrew G, Feb 8, 2006
  8. nunya

    M. MacDonald Guest

    I'm wondering about the "Nearest Qualified Dealer" claim of Progressive's.

    If you own a BMW and it craps out in Wyoming, are they going to haul it to
    another state since there isn't a BMW dealer in Wyoming?

    Inquiring minds want to know.

    M. MacDonald, Feb 9, 2006
  9. nunya

    M. MacDonald Guest

    I still question the "Nearest Qualified" stuff. I doubt the nearest Honda
    or H-D dealer is going to be able to work on a BMW much less get parts from
    BMW to fix it if one is unfortunate to break down a long way from their
    too-few dealerships.

    Might need to ring them up and ask a "What if my BMW breaks down in a state
    with no qualified BMW repair dealer within 500 miles. Then what?"

    For some reason, I don't get "warm fuzzies" from thinkin' about it. Most
    likely there is some limit on the policy.

    M. MacDonald, Feb 10, 2006
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