Just wanted to notify others that the HCW does cover towing for mechanical or collision-related breakdown (up to a $100). During memorial day weekend another van cut into our lane (violating the right of way), and we collided with them on their side doing at least 40 mph. I think their van is totalled, and ours has about $9200 worth of damage. It was only 4 months old and 3100 miles. Fortunately, the airbags, seatbelts, and children's seats all protected us well from any major harm. The morning after the accident I contacted the dealership about the coverage, and one salesperson didn't know about towing for a collision and the other was blatantly incorrect and said it was only covered for mechanical breakdown. Hopefully, our van will be operational within a few weeks. Apparently, no damage to the main frame, and the crumple zones worked well. Hope this was helpful.