After an accident, tow trucks often remove damaged vehicles while crews clear debris and broken glass from the road to keep other drivers safe. But who pays for these cleanup and towing services? Do the costs come out of your pocket?
Motorcycle Insurance Coverage
Most motorcycle insurance policies cover the removal of standard debris at an accident scene. Liability coverage may pay for cleanup on another person’s property, while collision or comprehensive coverage can help cover cleanup and towing costs for your own bike.
In some cases, liability coverage only pays for the cleanup of public roadways or someone else’s property. If that happens, you may be responsible for the cost of towing your motorcycle. An agent at Ellis Insurance Agency can review your policy and help you understand exactly what is covered.
City Cleanup
In certain situations, the city may handle the roadway cleanup and then bill you for the service. This ensures the road is cleared quickly and remains safe for all motorists.
If you are involved in an accident in San Antonio, TX, you must contact the police. Ask the responding officer about cleanup procedures and whether you may be charged for the city’s involvement.
Hazmat Cleanup
Cleanup involving hazardous materials can be costly. While your motorcycle is unlikely to carry hazardous chemicals, you could still be held responsible if you are involved in an accident that leads to a hazardous spill, especially if a commercial truck is involved. Cleanup expenses can exceed policy limits, leaving you responsible for the remaining cost.
For non-hazardous cleanup, most policies provide enough coverage to protect you. To learn more about what your motorcycle insurance includes, contact Ellis Insurance Agency. We proudly serve the San Antonio, TX area and are here to help you understand your coverage.
