You’re riding through Brooklyn late at night, and out of nowhere, your bike sputters and dies. You’re stuck between traffic, your phone’s on 15%, and all you can think is: “Does my insurance even cover this tow?”
If you’ve ever been stranded in NYC with a dead motorcycle, you’re not alone—and yes, this is where understanding motorcycle insurance with towing coverage really matters. At MAD Transpo NYC, we get these calls daily, so here’s what every rider should know about motorcycle breakdown coverage options and how to avoid unnecessary fees, including a common one called GOA (Gone on Arrival).
Does Motorcycle Insurance Cover Towing?
Great question—and the answer is: sometimes.
Many riders assume that if they pay for insurance, a tow is automatically included. But that’s not always the case. You’ll want to double-check whether your policy includes towing services included in motorcycle insurance, or if you need to add motorcycle roadside assistance as an optional feature.
Some providers (like GEICO, Progressive, or Allstate) include towing with premium plans, while others require a separate roadside package. Even then, towing distance limits, service wait times, and coverage areas can vary.
✅ Good news: MAD Transpo NYC accepts all major motorcycle insurance providers, so if your coverage includes towing, we can handle the dispatch—fast and hassle-free.
Real Talk: What Happens When You Actually Need a Tow?
Let’s say your battery dies in Queens or you blow a tire on the FDR. You call your insurer, request a tow, and they dispatch a truck through their roadside partner.
But here’s where things can go wrong…
⛔ GOA – Gone on Arrival
In the towing world, GOA (Gone on Arrival) means the driver showed up—but you or your bike weren’t there anymore. Maybe you moved the bike, caught a ride, or left the scene.
Result? You could still be billed.
Most insurance companies treat a GOA as a completed service. It’s frustrating—but common, especially in NYC, where parking enforcement, tow-away zones, or safety concerns make riders move quickly.
🔁 Pro Tip: Always cancel your tow request if your situation changes. It can save you from a surprise charge.
Motorcycle Roadside Assistance Explained
Beyond towing, many motorcycle insurance plans offer:
- Jump-starts for dead batteries
- Emergency fuel delivery
- Flat tire help (for tubeless tires)
- Safe transport to a repair shop
Even with these options, riders across NYC often call MAD Transpo NYC directly. Why? Because:
- We specialize in safe motorcycle transport — sport bikes, cruisers, scooters, you name it
- Our gear is motorcycle-specific, ensuring damage-free towing
- We know the boroughs and how to get there fast — no unnecessary delays
And most importantly, we make it simple: whether you’re calling directly or through your insurer, we’re equipped to work with your coverage.
Final Thoughts
If you ride in NYC, it’s smart to know exactly what your motorcycle insurance with towing coverage offers. Waiting until you’re stranded in the Bronx during rush hour isn’t the time to read the fine print.
And if you do end up needing a tow, just remember—MAD Transpo NYC has your back, with or without insurance. But if you do have coverage, even better—we’ll work with your provider to get the job done right.
Need Motorcycle Towing Now?
If you need fast, reliable motorcycle towing in NYC, call MAD Transpo at (929) 265-0526 or get a quote online — we’re ready 24/7, and we proudly accept all motorcycle insurance providers.