Towing is optional coverage. Most car insurance charges a few dollars per month in order to cover the towing cost. AAA provides the towing service through its membership.
You can look at your declaration page to see if the towing is covered. Usually, it is next to the rental option. You can also call your insurance agent to see if you have purchased the towing coverage.
The information in this answer is general in nature and is not legal or insurance advice for your specific situation. Policy language varies carrier by carrier; your declarations page is the final word. If you're unsure, call your agent before you need to file.