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Originally Posted by rd_aaron
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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I am very, very glad this worked out for you. You did nothing wrong and as you said, would like to have a do over for the on the spot decision.
If anyone wonders, or complains why insurance premiums are so high, well here you go. Driver paid for a service that would cover the tow. Instead, insurance company will pay an absolutely outlandish $1300 to towing company.