I'd like to hear the Tow Truck driver's point of view.
The OP prepaid for towing services, not once, but twice, via AMA and private insurance, and then was somehow convinced to pay for the tow up front anyway. Granted, he hit a deer, that's traumatic. The tow truck driver appears to be a helper. In this case he was not, based on the story as told.
I expect your insurer will pay for the tow but not for $1300, but also, AMA would apply their tariff if the vendor will accept it after the fact, and you will get a refund.
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