The distance limits are sneaky, and the “approved service center” thing is a whole other headache.
That’s been my biggest frustration, honestly. I drive a higher-end sedan and the last thing I want is it getting hauled to some random shop just because it’s “approved” by the insurer. I’ve tried to negotiate for a more flexible roadside plan, but like you said, most of the big companies just stick to their script. The smaller agencies seem more open, but even then, towing all the way back to my actual home has always been a sticking point.
Has anyone had luck with a national luxury auto club or something similar? I’ve heard some of them offer more tailored roadside coverage, but I’m skeptical about how well that works out here where towns are so spread out. Also, do any of you factor in the cost of a rental car into your plan, or do you just bite the bullet when your car’s stuck hours from home? That’s been a hidden expense for me more than once...