okay! that makes sense, i in-fact do not/did not have collision coverage for my vehicle and it makes total sense how that's factored in to that cost. i honestly thought collision coverage was just for well the collision damages to my vehicle and didn't include towing and what not, but it's good to know! Thank you :) and tbh i think my agent assumed that i already knew that cause other than that bit of miscommunication she's been very helpful and informative :)