Personal Auto PolicyQuestion 409 of 531
An insured who carries the towing and labor costs endorsement has a dead battery in a car park and calls for roadside help. The endorsement:
a.Pays towing and labor at that spot
b.Pays only if a covered peril caused the trouble
c.Pays for the new battery the mechanic fits
d.Pays only if the car is towed to a dealer
Explanation
The towing and labor endorsement pays a small stated amount for towing and for labor performed at the place of disablement, and it applies whether or not the cause of the disablement is an insured physical damage peril. Parts fitted to the car, such as a replacement battery, remain the insured's own cost, and the destination of the tow is not a condition.
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