What Does Liberty Mutual Roadside Assistance Cover? Tow Limits and Exclusions

Liberty Mutual roadside assistance covers five services when your car breaks down: towing, battery jump-starts, emergency fuel delivery, flat tire changes, and vehicle lockout help. It is not built into an auto policy automatically. You have to add the Towing & Labor Coverage endorsement, which averages about $23 per year, and then you can request help any time by calling 800-426-9898 or using the Liberty Mutual mobile app.¹²

The Five Covered Services

The endorsement responds to mechanical breakdowns and disablements. Here is what each service actually gets you:²

Towing to the nearest qualified repair facility. Distance limits depend on your policy tier.³
Battery jump-start at the roadside.
Fuel delivery to your location. The delivery is covered; the fuel itself you pay for on the spot.²
Flat tire change, provided your car has its own inflated spare. Liberty Mutual does not supply a replacement tire.³
Lockout service to open your vehicle if the keys are inside.

How Far Will They Tow You

Towing is the one benefit that changes between policy tiers. Essential, Enhanced, Superior, and Ultra all tow up to 15 miles to a qualified repair facility. The Premier tier stretches that distance to 100 miles.³ The other four services look the same across every tier.

If you call your own tow truck instead of going through Liberty Mutual’s dispatch, the company may only reimburse part of the cost.¹ Call 800-426-9898 or use the app first if you want the full benefit.

What Is Not Covered

A few gaps catch drivers off guard:

Winching and extrication. If your car is stuck in snow, mud, or a ditch, pulling it out is not part of the coverage.¹
Towing after an accident. Roadside assistance handles mechanical disablements. A tow after a collision goes under your collision or comprehensive coverage instead.⁴
The cost of the fuel or fluids delivered to you. You pay for those at delivery.³
Trip interruption expenses. Lodging, meals, and rental cars while you’re stranded are not included.¹
Flat tire service when there’s no spare. The technician mounts your inflated spare; without one, there’s nothing to install.³

Insurer-based roadside programs also tend to follow the insured vehicle rather than the driver. That means the coverage may not apply when you’re behind the wheel of someone else’s car.⁵ Availability also varies by state; as of mid-2025, California and Hawaii were noted as states where Liberty Mutual does not list car insurance, which carries through to the roadside add-on.¹

How To Request Help

Two options, both available around the clock: call 800-426-9898 or open the Liberty Mutual mobile app and request service from there.¹ The app may show real-time tracking of the service provider on the way to you, though that feature isn’t offered by every provider in the network.³

Will Using It Raise Your Rates

Worth knowing before you dial. Because Liberty Mutual pays the service provider on your behalf, each roadside request is recorded as a claim, and insurers use claim history as one input into pricing.⁶ One or two calls in a year is unlikely to move your premium on its own, but a cluster of calls in a short period can. Whether an insurer is permitted to raise rates based on this kind of claim depends on the state. Roadside usage can also be reported to data aggregators such as ChoicePoint, which other insurers consult during underwriting.⁵

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SmartFinancial. Liberty Mutual Roadside Assistance
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Liberty Mutual. 24-Hour Roadside Assistance
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Liberty Mutual Group. Customer Disclaimer
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Liberty Mutual Group. Contact Us
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United Policyholders. Roadside Assistance May Affect Auto Insurance Rates
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The Zebra. Rate Increase Towing Claim