Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Whose insurance is liable if my car was broken into at a tow yard?

My car was towed after an accident and is sitting in the tow yard until my insurance company decides what to do with my vehicle. While at the tow place my car was broken into and some of my things were stolen. Am I responsible for the break-in? Or is the tow company responsible since it was in their lot at the time?

Mar 5, 2017 Topeka, KS

Answer
Author profile picture

The Zebra

The nation's leading independent insurance comparison site

The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison …

If your personal items were stolen then you'd have to claim that on your home or renters insurance policy. If you're trying to hold the tow company liable for the loss of your items, you may have to hire an attorney. I would recommend contacting your auto company first and then your renters or home insurance provider to cover your loss. They will then subrogate with the insurance company of the tow yard if necessary.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Husband backed into a pole in his work's parking lot how to handle insurance

There are a few different factors to consider.First, most insurance companies require you to report any incident that occurs with the car, even if a claim is not filed. Check with your specific company for their guidelines.Second, look at your car insurance policy to see what kind of coverage you h…
Jul 19, 2018 Austin, TX

Someone hit my car and left a note with their insurance information what do I do next?

First of all, that's great that they were honest and left a note. The next step would be to contact their insurance company and file a claim. If the other driver is at fault then their insurance company should repair any damage to your vehicle. Check out our page on what to expect when filing …
Dec 8, 2018 Camden, SC

How does it work with insurance if I was hit by a moped

The short answer is yes, your premium will go up if you file a claim. Anytime your company has to pay out on a claim your insurance will increase. If you do not want to file a claim with your company you can seek an attorney for advice on taking legal action to have the damages covered by the respo…
Jul 17, 2018 Everett, MA

Should I file a claim for damage that I caused to someone's bumper?

I would recommend having the other driver get an estimate first. This way, you can decide if the repair costs are affordable enough to pay for the damage yourself. If the repair costs are not feasible for you to pay on your own then you would need to file a claim with your insurance company. And wh…
Feb 1, 2017 Jackson, MS