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Tow.market for Insurers | Reduce Towing Losses, Improve Policyholder Experience

Insurance Tow Coordination Platform | Claims-Ready & EV-Safe | Tow.market

Tow.market is an insurance-grade towing orchestration platform designed to reduce the total cost of roadside towing events without introducing new towing spend.

By adding AI-powered dispatch intelligence, real-time tracking, and claims-ready documentation on top of existing tow networks, Tow.market eliminates common inefficiencies insurers already absorb today — including failed dispatch, re-tows, call-center overhead, and claims disputes.

The result is lower cost per incident, improved operational visibility, and a more predictable roadside experience for policyholders — without replacing vendors or changing tow rates.

Insurance Towing Orchestration | Reduce Tow Losses & Improve NPS | Tow.market

Insurance Roadside Towing Platform | AI Dispatch & Loss Reduction | Tow.market

Insurance Tow Management | Lower Towing Costs Without New Spend | Tow.market

Tow.market for Insurers | Loss-Offset Towing Orchestration

Tow.market for insurers

Reduce towing losses. Improve roadside experience. No new towing spend.

Tow.market is an AI-powered towing orchestration layer that sits on top of existing tow networks. We reduce the total cost per towing incident by eliminating known inefficiencies insurers already absorb (failed dispatch, re-tows, call center overhead, claims leakage) while giving policyholders a transparent, Uber-like towing experience: live tracking, accurate ETA, and EV-aware dispatch.

AI Tow Triage

EV / AWD-aware Dispatch

Live Tracking + ETA

Claims-ready Documentation

Vendor-neutral (no network replacement)

Loss-offset Orchestration Fee

Request a 60–90 Day Pilot View Pricing Models Pilot capacity is intentionally limited per region to ensure measurable outcomes.

What we’re solving (the real cost problem)

Insurers don’t lose money on towing because base rates are “too high.” The loss comes from inefficiency around the tow — mis-dispatch, re-tows, escalations, and disputes. These costs already exist today, spread across operations, call centers, and claims.

Known inefficiency (existing leakage)	What causes it	How Tow.market reduces it	Conservative cost impact
Failed dispatch (wrong truck)	EV/AWD mismatch, wrong equipment, incomplete vehicle context	AI triage + equipment rules (EV-safe / flatbed-only when needed)	$15–$25 per tow
Re-dispatch / vendor swap	Missed ETA, operator declines, poor availability visibility	Real-time tracking + performance-based routing + availability logic	$10–$20 per tow
Call center overhead	“Where is my tow?” calls, manual coordination	Live tracking, ETA updates, SMS status links	$5–$10 per tow
Claims leakage / disputes	No timestamps, weak audit trail, inconsistent invoices	GPS verification, timestamps, digital receipts, optional photos	$5–$10 per tow
Total avoidable inefficiency	Tow.market is funded from avoided loss — not incremental spend.		$25–$45 per tow

Budget Impact: Tow.market does not introduce new towing spend. Our orchestration fee is funded entirely from inefficiencies insurers already incur (failed dispatch, re-tows, call center overhead, and claims leakage).

How it works

Policyholder experience

App / SMS tracking + transparent ETA

Policyholder requests tow via insurer app or agent-initiated workflow.
Receives live tracking link + accurate ETA.
Sees updates without calling support.
Gets a digital receipt and optional insurance-ready documentation.

Insurer operations

AI orchestration + claims-ready audit trail

AI triage routes the correct equipment (EV/AWD/premium rules).
Performance-based vendor routing reduces failed dispatch and re-tows.
GPS timestamps, arrival verification, and structured incident records.
Reporting on cost per incident, dispatch success, and vendor performance.

Who initiates the tow request?

Tow.market supports policyholder-initiated, agent-initiated, or hybrid workflows. This reduces integration anxiety and allows a phased rollout.

Commercial offer (insurer-friendly)

Tow.market charges an orchestration fee for AI dispatch, tracking, and claims optimization. Tow operators are paid in full for towing services. This is not a tow rate; it is the intelligence layer.

Model	How you pay	Best for
Per-event orchestration fee	$15–$40 per completed tow (pilot sweet spot: $20–$25)	Pilots, fast rollout
Cost-plus	Tow operator cost + fixed orchestration fee	Procurement simplicity
Subscription + lower fee	Monthly platform fee + reduced per-tow fee	National deployments
Savings share (optional)	We take a % of verified savings	CFO-led rollouts

Pilot proposal (60–90 days)

A pilot is positioned as a loss measurement exercise, not a vendor overhaul. We validate avoided loss and operational improvements before any scaling decision.

Insurance Tow Management | Lower Towing Costs Without New Spend | Tow.market

Insurance Pilot (60–90 Days) | Loss-Offset Model & KPIs | Tow.market

Insurance pilot

60–90 Day Insurer Pilot Structure

This pilot is designed as a loss measurement exercise, not a vendor overhaul. Tow.market reduces towing inefficiencies insurers already absorb (failed dispatch, re-tows, call center overhead, disputes) and validates net savings with measurable KPIs.

Back to Insurance Offer Request a Pilot

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Pilot scope (what we run)

Duration: 60–90 days
Geography: 1–2 metro areas or a defined set of zip codes
Volume target: agreed tow volume (example: 5,000–25,000 events)
Request entry: policyholder-initiated, agent-initiated, or hybrid
Tow types: standard, EV-safe flatbed, accident recovery (as applicable)
Reporting: weekly KPI dashboard + end-of-pilot ROI report

Key principle: Tow.market does not change tow rates. We reduce the total cost per incident by eliminating inefficiencies.

Implementation timeline

Week 1 Pilot kickoff, data mapping, KPI baseline definition
Week 2 Routing + dispatch configuration, workflows (app/SMS/agent)
Weeks 3–10 Live operations, weekly KPI reporting, optimization
Final 1–2 weeks ROI report, scale recommendation, next-step contract

The goal is to quickly reach steady-state operations and measure improvements against baseline.

Loss-offset commercial model

Tow.market is funded by avoided loss, not new spend. The insurer pays a small orchestration fee for AI dispatch intelligence, live tracking, and claims-ready documentation.

Line item	Who pays	What it covers	Typical range
Tow operator service cost	Insurer / roadside network	Physical towing (fuel, labor, equipment)	Varies by market
Tow.market orchestration fee	Insurer	AI triage, tracking, documentation, reporting	$15–$40 per completed tow (pilot: $20–$25)

Example logic: If avoidable inefficiency is ~$30 per tow and Tow.market charges $20, the insurer still nets ~$10 savings per incident.

What counts as “existing inefficiency”

Failed dispatch (wrong truck, wrong equipment)
Re-dispatch / re-tows due to missed ETA or operator decline
Call center overhead (“where is my tow?” calls)
Claims disputes / weak documentation and audit trails
Vendor performance variance (no accountability loop)

The pilot measures these explicitly so finance can validate net savings.

KPI framework (what we measure weekly)

KPIs are measured against an agreed baseline. Tow.market provides weekly reporting and an end-of-pilot ROI summary.

KPI	Definition	Why it matters	How it’s measured
Failed dispatch rate	% of assigned jobs that cancel due to wrong equipment, wrong match, or unusable dispatch	Direct driver/time waste + re-dispatch cost	Job status codes + cancellation reason tagging
Re-tow / re-dispatch rate	% of incidents requiring a second operator or second tow event	Inflates total cost per incident	Incident grouping + vendor swap tracking
Call deflection	Reduction in “where is my tow?” calls or handle time per tow event	Lowers call center overhead	Call logs, IVR tags, or proxy metrics agreed with insurer
ETA accuracy	Difference between predicted and actual arrival time	Reduces escalations and churn risk	GPS timestamps + predicted ETA logs
Time-to-resolution	Time from request created to job completion	Shorter incidents reduce downstream claims friction	Request and completion timestamps
Total cost per incident	All-in towing event cost including re-dispatch and overhead assumptions	Main finance outcome metric	Invoice data + measured leakage components
Documentation completeness	% of incidents with complete timestamps, location, and receipt artifacts	Reduces disputes and audit risk	Receipt + GPS + event log presence

Minimum KPI set for a pilot: Failed dispatch, re-tows, call deflection, total cost per incident.

End-of-pilot deliverables

ROI report with quantified avoided loss
Operational dashboard (weekly + final)
Vendor performance summary
Recommendation: expand, modify, or discontinue
Scale plan: additional regions, SLA structure, pricing option

Next step (after pilot)

If the pilot validates net savings, we move into rollout with one of the following:

Expanded per-event orchestration fee (volume tiering)
Subscription + reduced per-event fee (national deployments)
Savings share (CFO-led, baseline validated)

Schedule Pilot Call Insurance Offer

thank you from
Tow market team

Car Service Areas

New York City
• Airports - JFK, Lag, Newport Upper East Side, Tribeca, SoHo, Battery Park City, Chelsea, Lincoln Square, and more

Brooklyn
• DUMBO, Cobble Hill, Brooklyn Heights, Williamsburg

New Jersey
• Short Hills, Montclair, Hoboken, Saddle River, Tenafly, Jersey City

Miami, FL
• Aventura, Coral Gables, Brickell, Coconut Grove, Miami Beach

Texas
• Dallas-Fort Worth Area, Houston, Austin, San Antonio, Prosper, Celina

Insurances:
State Farm
GEICO
Progressive
Allstate
USAA
Liberty Mutual
Farmers Insurance
Nationwide
Travelers
The Hartford
American Family Insurance
Auto-Owners Insurance
Erie Insurance
Tesla Insurance
Root Insurance
Lemonade
Metromile