If the other driver is at fault, their insurance pays everything — $0 out of your pocket. Even if you're at fault with collision coverage, your insurance covers the tow. Onyx Auto Towing handles the paperwork and bills insurance directly. No upfront payment, ever.
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Insurance Coverage Guide
Every accident in Virginia has different rules for who pays. Here's how it works for the three most common situations.
Their liability insurance pays 100% of your tow, storage, and repairs.
Collision coverage pays the tow. You just cover your deductible.
You pay out of pocket — but our rates are fair & upfront.
We bill insurance directly — no upfront payment required.
We work with Geico, Progressive, State Farm, Allstate, USAA & all major insurers.
Call (703) 901-4821 — We'll Sort It OutIn Detail
Find your situation below — or just call us. We'll sort out who pays in 60 seconds.
This is the best-case scenario. The at-fault driver's property damage liability insurance covers your towing costs completely. Virginia requires all drivers to carry at least $20,000 in property damage liability.
Pro tip: Always get the other driver's insurance info at the scene. Take photos of their insurance card.
If you have collision coverage on your own policy, your insurance will pay for towing and storage — but you'll need to cover your deductible first (typically $500-$1,000).
Without collision coverage, you're responsible for all towing and repair costs. But don't panic — Onyx Auto Towing offers fair, transparent pricing.
Even without coverage, our rates are among the most affordable in Fairfax County. We'll work with you.
If the other driver flees the scene or has no insurance, uninsured motorist coverage (required in Virginia) or your collision coverage kicks in. You may also be covered under medical payments (MedPay) for injuries.
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One call. We handle everything — the tow, insurance billing, and getting your car somewhere safe. No upfront payment.
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