AAA Roadside Assistance Reimbursement: What If You Pay a Tow Truck Yourself?
Paying a tow truck yourself can be stressful enough. The bigger surprise comes later when AAA reimburses less than the full bill, asks for paperwork you did not save, or denies the request because you did not contact AAA before arranging service.
AAA may reimburse eligible out-of-pocket roadside costs, including towing in some situations, but reimbursement is usually limited by your membership benefits, local club rules, service-call limits, and the amount AAA would normally pay for comparable network service.
Table of Contents
- Quick Answer: Will AAA Reimburse a Tow?
- When AAA May Reimburse Roadside Costs
- When AAA Reimbursement May Be Limited
- What AAA Usually Does Not Reimburse
- How to Submit an AAA Reimbursement Claim
- What Your Tow Receipt Must Show
- How Much AAA May Reimburse
- Should You Tip an AAA Tow Truck Driver?
- Mistakes That Can Reduce or Delay Payment
- Official AAA Reimbursement Links
- Related AAA Guides
- Bottom Line
- Frequently Asked Questions FAQ’s
Quick Answer: Will AAA Reimburse a Tow?
AAA may reimburse an eligible towing or roadside-assistance expense when you paid out of pocket, especially when AAA could not dispatch service, no provider was available, or circumstances required another tow company. However, reimbursement is not automatic and may not equal the amount you paid.
AAA clubs commonly limit reimbursement to the service benefits included with your membership and may cap payment at the contract rate AAA would have paid a provider for similar service. Your best chance of full reimbursement is to request AAA service first whenever it is safe and practical.
Best move: Call or request AAA roadside assistance before hiring your own tow truck. If you must pay yourself, save an original itemized paid receipt and submit the claim through your home AAA club as quickly as possible.
When AAA May Reimburse Roadside Costs
AAA reimbursement rules differ by regional club, but a claim may be considered when you paid for a service that would normally fall within your active roadside-assistance benefits.
Situations That May Support a Reimbursement Request
- AAA could not dispatch a provider within a reasonable time.
- No AAA-contracted provider was available in your location.
- You broke down in a remote area with limited towing options.
- Police, highway patrol, property management, or another authority required a specific tow company.
- You needed eligible roadside help and paid a provider directly.
- You used a locksmith for an eligible lockout situation.
- You were unable to complete the roadside request through AAA because of a technical or communication problem.
Eligibility depends on your specific membership level, the vehicle involved, the type of roadside event, the number of prior service calls you used, and the rules of your local AAA club.
Important: AAA membership generally covers the member as a driver or passenger, not only one listed vehicle. However, exclusions and special rules can apply to motorcycles, trailers, commercial vehicles, rentals, ride-share vehicles, oversized vehicles, and certain other situations.
When AAA Reimbursement May Be Limited
AAA may still consider your claim after you use a non-AAA provider, but paying a tow company first can reduce the amount AAA pays back. Some clubs state that reimbursement for service obtained without contacting AAA first is limited to the contract rate AAA normally pays its providers for comparable roadside help.
That means a $400 tow bill may not result in a $400 reimbursement, even if your membership includes towing. AAA may calculate payment based on your plan’s towing benefit, available service-call balance, local provider rates, and whether the tow was eligible under the membership handbook.
| Situation | Possible Reimbursement Result |
|---|---|
| You request AAA first and AAA cannot provide service | May have a stronger claim for reimbursement, subject to membership limits |
| You hire a tow without contacting AAA | May be limited to AAA's network or contract rate for similar service |
| Police order a specific tow | May be reviewed differently, but receipts and documentation still matter |
| You exceed your membership towing mileage | AAA may reimburse only the covered portion, leaving excess miles unpaid |
| You used all included roadside calls | Reimbursement may be denied or limited because benefits were exhausted |
Do not assume a tow is fully covered: A membership that includes towing does not automatically mean AAA will repay every dollar charged by any tow company you choose.
What AAA Usually Does Not Reimburse
AAA roadside assistance is intended to cover emergency help, not every cost that follows a vehicle breakdown. Exact exclusions vary by club, but reimbursement forms commonly exclude repair work and other non-roadside expenses.
Costs Often Excluded From Roadside Reimbursement
- Vehicle repairs performed by a shop
- Replacement parts, tires, batteries, keys, or fluids
- Diagnostic fees and mechanical labor beyond roadside assistance
- Vehicle storage fees
- Impound fees, parking fines, tickets, and legal costs
- Damage from a collision, theft, vandalism, flood, or fire
- Towing miles beyond the benefit included with your membership
- Costs caused by an expired, suspended, or ineligible membership
- Service requests beyond your annual roadside-call limit
A battery purchase, shop repair, or storage charge may be necessary after a breakdown, but that does not make it a reimbursable AAA roadside expense.
Storage-fee warning: If your vehicle is taken to a tow yard, ask where it is going, when storage starts, and whether your preferred repair shop is open. Storage fees can rise quickly and may not be reimbursed by AAA.
How to Submit an AAA Reimbursement Claim
Submit the reimbursement request through the AAA club where your membership is based. AAA is made up of regional clubs, so forms, deadlines, processing methods, and benefit rules can differ by state or region.
Step 1: Keep the Paid Itemized Receipt
Request a detailed receipt from the tow company before leaving. It should show that the bill was paid, not merely quoted.
Step 2: Gather Your Membership Information
Have your AAA membership number, the member name, your phone number, vehicle information, service date, location, and a short explanation of why AAA service was not used.
Step 3: Use Your Home Club’s Reimbursement Form
Find the official online form for your local AAA club. Do not assume a form from another AAA region will process your claim.
Step 4: Submit Before the Deadline
Some AAA reimbursement forms require original or uploaded itemized receipts within 60 days of the roadside event. Submit as soon as possible because deadlines and documentation rules can vary.
Step 5: Save Copies of Everything
Keep the tow invoice, credit-card receipt, photos, dispatch records, police documentation, text messages, and claim confirmation until the reimbursement issue is resolved.
Claim tip: In your explanation, be factual and brief. State where the breakdown happened, whether you attempted to contact AAA, why another provider was used, what service was performed, and the exact amount paid.
What Your Tow Receipt Must Show
A vague receipt can delay a claim or make it harder for AAA to determine whether the service fits your membership benefits. Ask the provider for an itemized paid invoice before approving the tow.
Useful Details to Have on the Receipt
- Tow company name, phone number, and business address
- Date and time of service
- Pickup location and destination
- Vehicle year, make, model, and license plate if available
- Towing distance or mileage
- Hookup fee, base fee, mileage fee, after-hours fee, tolls, and taxes
- Total amount paid
- Payment method and proof that the bill was paid
- Reason for service, such as tow, jump start, lockout, fuel delivery, or tire help
If a police officer, highway authority, parking garage, or property manager required a specific tow, ask for any incident number, tow authorization, or written documentation that explains why you could not choose the provider.
How Much AAA May Reimburse
AAA reimbursement is generally tied to the benefits included with your membership. A Classic, Plus, Premier, motorcycle, RV, or regional plan may have different towing mileage, locksmith, battery, travel-interruption, and roadside-service limits.
AAA may reimburse the eligible portion of a tow up to your membership entitlement. If you used a provider outside AAA’s network without first requesting AAA service, payment may be limited to the rate AAA normally pays a contracted provider for the same type of service.
Questions to Ask Before Paying a Tow Company
- What is my included towing distance under this membership?
- Have I already used any of my annual roadside calls?
- Does AAA have a provider available for this location?
- What will AAA reimburse if I use this company instead?
- What is the provider’s total fee, including mileage and after-hours charges?
- Will the vehicle be taken directly to my chosen repair shop?
- Are storage fees likely if the repair shop is closed?
For more on mileage limits, extra charges, and what “free towing” can actually mean, read AAA Towing Cost: Is Free Towing Really Free?.
Should You Tip an AAA Tow Truck Driver?
Tipping an AAA tow truck driver is not required. The driver is paid for the service through their employer or towing company, and AAA membership benefits are designed to cover eligible roadside assistance without requiring a tip.
Some drivers choose to tip for exceptional service, difficult weather, long waits, careful motorcycle loading, unusual vehicle access, or help beyond a basic roadside task. A tip is optional and should never be treated as a condition of receiving service.
Good practice: A positive review, a compliment to AAA, or direct feedback to the towing company can also help a driver who provided excellent service.
Mistakes That Can Reduce or Delay Payment
- Hiring a tow truck before trying AAA. This can limit reimbursement to AAA’s contract rate.
- Throwing away the receipt. A paid, itemized invoice is usually essential.
- Waiting too long to submit the form. Many clubs have deadlines, often around 60 days.
- Submitting a credit-card statement without an itemized tow invoice. A payment record alone may not explain the service provided.
- Assuming your membership covers unlimited calls. Roadside service limits can apply each membership year.
- Ignoring excess towing mileage. AAA may cover only the included portion of a long tow.
- Mixing a repair bill into the roadside claim. Repairs, parts, diagnostics, and storage may not qualify.
- Using the wrong AAA club form. Your home club usually controls the reimbursement process.
- Not documenting a police-ordered tow. Save any paperwork that explains why you had no choice of provider.
Most expensive mistake: Letting the tow company take your car to an unknown storage lot without asking about fees. A reimbursable tow can still turn into a large out-of-pocket bill if storage begins before you arrange repairs.
Official AAA Reimbursement Links
Use the reimbursement form provided by your home AAA club. These official AAA pages may help members in the listed service areas, but eligibility and instructions can change.
- AAA Auto Club Group Roadside Reimbursement Request Form
- AAA Club Alliance Roadside Reimbursement Form
- AAA Reimbursement Forms and Instructions
- AAA Membership and Roadside Reimbursement Forms
- Find Your Local AAA Club
Before submitting a claim, read your membership handbook and contact your home club to confirm the current reimbursement deadline, receipt requirements, towing entitlement, and any payment limitation that applies to your situation.
Related AAA Guides
- AAA Flat Tire Service: What Happens When You Call?
- AAA Fuel Delivery: Is the Gas Free?
- AAA Jump Start Service: Is a Dead Battery Free?
- AAA Motorcycle Roadside Assistance: What Is Covered?
- AAA Towing Cost: Is Free Towing Really Free?
- Best AAA Alternatives: Roadside Assistance Plans That May Cost Less
- Car Lockout Help: AAA vs Insurance vs Locksmith
- Evaluating the Cost of AAA Auto Repair Services: Pros and Cons
- Is AAA Battery Service Expensive? Compare Before You Buy
- Is AAA Membership Worth It? Roadside Costs vs Paying Out of Pocket
Bottom Line
AAA may reimburse a tow truck bill you paid yourself, but the result depends on your local club, active membership benefits, available service calls, towing mileage, receipt quality, submission deadline, and whether you contacted AAA first.
Best reimbursement strategy: Request AAA service first, use an approved provider when possible, get a paid itemized invoice when you cannot, and submit the claim quickly through your home AAA club. Never assume the full out-of-pocket tow amount will be repaid.
Frequently Asked Questions FAQ’s
Will AAA reimburse you for towing?
AAA may reimburse eligible towing costs you paid out of pocket, but reimbursement depends on your membership benefits, local club rules, service-call limits, receipts, and whether you contacted AAA before using another provider.
Can I get reimbursed for a tow truck I paid myself?
You may be able to request reimbursement if the tow was eligible under your AAA membership. Submit an itemized paid receipt and use the reimbursement form from your home AAA club.
How do I submit a receipt to AAA for reimbursement?
Use your local AAA club’s roadside reimbursement form and attach the original or uploaded itemized paid receipt. Some clubs require submission within 60 days, so check the current instructions for your region.
Do you have to pay for a tow truck if you have roadside assistance?
You may not have to pay when AAA dispatches an eligible tow within your plan limits. You can still owe money for extra mileage, special recovery, storage, repairs, parts, or service outside your membership benefits.
How much does AAA charge per tow?
AAA towing benefits depend on your membership level and local club. Your out-of-pocket cost may be zero for an eligible tow within the included mileage, but extra miles and non-covered services can create additional charges.
What is not covered by AAA roadside assistance?
Common exclusions can include vehicle repairs, parts, batteries, tires, storage, diagnostics, service beyond annual call limits, towing beyond included mileage, and certain specialty or commercial vehicles.
How many times can you call AAA for towing?
Many AAA memberships include a limited number of roadside service calls each membership year, often including towing, jump starts, lockouts, tire help, and fuel delivery. Confirm your current plan because limits vary by club.
Am I supposed to tip my AAA tow truck driver?
No. Tipping is optional, not required. Some members choose to tip for exceptional service, difficult weather, long-distance loading, or careful handling of a specialty vehicle.





