What does the towing and labor costs endorsement cover under a personal auto policy (PAP)?

The towing and labor costs endorsement specifically covers the towing and labor charges incurred when a covered auto is disabled. This type of endorsement is designed to assist policyholders with the expenses associated with having their vehicle towed to a place of safety or repair when it cannot be driven due to a breakdown or accident.

This coverage is crucial for drivers who may find themselves in unexpected situations where their vehicle becomes inoperable. It helps alleviate the financial burden of calling for a tow service and ensures the policyholder can get assistance promptly without worrying extensively about the costs involved.

While labor charges for repairs made after a tow and repair work performed at a garage are relevant to auto maintenance and repair, these are not covered by the towing and labor costs endorsement specifically. Instead, the focus remains on the immediate needs related to the towing situation itself.