Tow trucks must have more auto liability insurance than other vehicles on the roadway, due not only to the risks presented by the large vehicle, but also because tow trucks transport other damaged vehicles that could worsen an accident. There is no established national standard for the amount of insurance for tow truck drivers, although certain states require a liability policy that provides at least $100,000 or $300,000 in liability coverage. Those providing insurance for tow trucks and towing companies generally recommend a policy with $1 million in auto liability to protect the company or the tow truck driver from providing compensation if the claim exceeds the policy’s limits.