Zero Towing Insurance covers all towing costs, except for specific scenarios, such as negligence. Here are the details: Flat tires: Towing is covered if the tire is severely damaged and cannot be repaired or replaced using the tools provided (e.g., spare tire, jack, tire foam), and you are unable to drive to the nearest garage to fix the tire. In such cases, we will cover towing costs. However, if the tools are available and the tire can be safely repaired or replaced on-site, allowing you to drive to the nearest garage, towing will not be covered. Continuing to drive on a flat tire, leading to more damage, is considered negligence and is also not covered. Snow-related incidents: Towing due to being stuck in snow is not covered. Mud and sand Towing is not covered if the vehicle gets stuck in mud or sand.