I bet there's a chance the tow truck driver is getting paid twice. He got your $1300 and he probably still submits the tow to AMA for whatever compensation they provide. If he even has to. You called AMA and they sent him out, so perhaps it automatically gets accounted for on the regular payments to the tow company.
Insurance wouldn't know that your tow could have been covered by AMA if you just send them a bill from a private tow company. AMA wouldn't know that the tow truck driver convinced you to also pay.
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