pays up to $50 for towing and labor charges each time your car breaks down whether or not there is an accident involved. You are covered only for the on-site labor costs at the breakdown site (not any parts) needed to get your car running again. Coverage of up to $100 per disablement is available for additional cost.
If you belong to a Motor Club, you probably do not need this coverage since many Motor Clubs’ services include towing and labor.
Source: Massachusetts Department of Insurance
