Well that ended up being much ado about nothing. First call this morning was to my insurance provider. Sure enough it's covered under my policy. Sent in the receipt and I will apparently have the money in my account by the end of the week.
Thank you for all of the advice, even the "turn it up to 11" advice. I probably would not have escalated past contacting AMA and the tow company directly. I am well aware that I had a momentary lapse in judgment and made a dumb decision off some poor advice. I mostly just wanted some sort of improvement on the situation to feel a little less like an idiot.
One odd thing though... Another reason he mentioned going through insurance was so it doesn't use up one of your services from AMA (you get a limited amount per year). I just received an auto email from AMA asking for feedback on the roadside assistance I received. I am curious if they submitted an invoice to AMA as well and they are double-dipping. I am also curious if I have lost one of my services anyways. My AMA membership page only has history of services up to Aug 13.
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