Tommy'sRoad RescueCall live dispatch816-588-8888Verify coverage before relying on it
Call live Kansas City dispatch at 816-588-8888 for current availability.
Towing or emergency-road-service coverage may pay or reimburse an eligible expense, but coverage is not automatic. The insurer or roadside plan—not the tow provider—decides whether the event, provider, amount, destination, and documentation satisfy the policy or membership terms.
Check the auto policy, roadside membership, vehicle-manufacturer plan, credit-card benefit, fleet program, warranty, or other program that may apply. A collision claim and optional towing coverage can involve different rules.
Before calling an independent provider, ask whether the plan requires its own dispatch, a participating network, prior authorization, a claim number, a covered destination, or a specific service limit. Record the representative's name and instructions.
Ask whether the program pays the provider directly or reimburses you after payment, and whether a dollar, mileage, occurrence, destination, deductible, or service-type limit applies. Do not rely on the phrase ‘roadside coverage’ alone.
Tell Tommy's whether the insurer or plan issued an authorization or claim number, named a destination, requires an itemized receipt, or expects a specific billing process. Dispatch must still independently confirm that the request can be accepted.
Keep the itemized receipt or invoice, proof of payment, service date, vehicle, pickup, destination, breakdown or incident description, claim or membership number, authorization, and any requested photos. Submit copies by the program's approved method and keep the originals.
If reimbursement is denied or delayed, request the reason and applicable policy language in writing, use the insurer's review process, and contact the appropriate state insurance department when needed. Tommy's cannot change an insurer's coverage decision.
Company or program name, policy or membership number, covered vehicle, named insured or member, effective status, roadside phone number, and any mobile-app instructions.
Claim or service-request number, representative name, call time, approved provider or provider-choice rule, service and destination limits, and whether prior authorization is required.
Itemized invoice, proof of payment, service date, pickup and destination, vehicle information, reason for service, and documents supporting any material change to the original estimate.
Give ordinary dispatch only the information needed to qualify the job. Do not send account passwords, full payment-card numbers, PINs, or unrelated identity records through the website email-preparation form.
No universal assumption is safe. The NAIC describes towing or emergency-road-service coverage as a type of auto coverage, but your declarations, endorsements, exclusions, limits, and current policy control.
Some programs work that way, while others dispatch and pay a network provider or require prior approval. Ask the program and Tommy's dispatch before authorizing the service.
Ask the insurer what it requires. Common records include the provider, service date, vehicle, pickup and destination, service description, itemized charges, total paid, and proof of payment.
Ask for the reason and relevant policy term in writing, supply any missing documentation, use the insurer's appeal or review process, and contact the appropriate state insurance department if the dispute remains unresolved.
Consumer guidance explaining that roadside or towing coverage may reimburse eligible costs when a vehicle is disabled.
Guidance on documenting an insurance complaint and finding the correct state department of insurance.
Official Kansas insurance consumer services, complaint filing, company lookup, and insurance guides.
External resources are provided for convenience. Tommy's is not affiliated with, endorsed by, or acting on behalf of those organizations.
If anyone is injured, in immediate danger, facing a fire or hazardous spill, or blocking an active traffic lane, call 911 first. Move only when you can do so without entering traffic or increasing the danger.
Call live dispatch. An online form or email does not dispatch a truck.