I have Good Sam Road Service (which is completely separate from Good Sam Club membership).
They sure saved my derriere when Millicent broke down on I-5 and had to be towed home.
The annual premium is not peanuts, but who has a couple Grand on hand when the BIG tow truck suddenly is needed? So, it is like any other insurance -- I gladly pay the premium and hope I never get a penny of it back.
They did not ask for proof that Millicent was an RV, but you ought to paint it as an RV anyway. (Oops, I still haven't finished Millicent.)
The tow truck was fairly new, and the driver told me it cost $650.000.