For accident and collision tows, your insurance usually covers the tow fee (under collision or comprehensive coverage). We bill the carrier directly in most cases — you give us the carrier name and claim number, we handle the paperwork.
If the claim is denied (no coverage, at-fault dispute), you pay the quoted rate and submit the itemized receipt for reimbursement consideration.
Same $249 / hour rate either way. The vehicle gets to the body shop the same day in most cases.
