I have full insurance for my boat and had to be towed back to land after an accident is the cost covered by insurance?

Maritime law is complicated and arcane. Typically, the towing of vessels disabled at sea and not in peril fall under the maritime law of salvage. Typically the owner and crew of the vessel towing the disabled vessel is entitled to an award of compensation. The amount varies widely and is factually specific depending upon numerous factors. Whether your insurance covers the costs depends on your policy. Bottom Line, YOU MUST READ YOUR POLICY.