the tow boats really don't care as long as they get paid. the one thing you need to check is if you have to pay up front then get reimbursed or if your insurance pays direct. i have boat us with trailer assist and have used both. blew my outdrive at Geneva a few yrs ago. called boat us on the phone and they sent a tow boat. didn't cost me anything, all i did was sign my name. coming back from fl back in dec on I-75 in ky i lost a wheel and tire. called boat us and they sent a wreaker and it didn't cost me anything.