Whether or not your car insurance policy will pay to tow your car if it breaks down depends on whether you have roadside assistance included on your policy. Like rental reimbursement insurance, roadside assistance is a common optional coverage you can add to your policy with most insurers. If you have a roadside assistance policy or endorsement, it generally provides coverage for towing (up to a certain mileage limit), lockout services, tire changes, battery jumps, fuel delivery and more in some cases. If you do not have this optional endorsement on your policy, you will typically have to pay for towing yourself.