Help refused by Good Sam

I recently needed roadside assistance, I called and was connected to a New York agent, I'm in WA state. I had a metal wheel well protector dislodge, causing a flat tire. The metal had to  be removed (it was riveted on) before tire could be replaced. A cold chisel and hammer would do it, or a drill and 1/2" bit, I explained this to the agent in New York. After sending requested pictures, I was denied assistance, stating that the type of help I needed is not covered, but will send a tow truck. All I needed I explained was a hammer, and possibly a larger cold chisel. Denied!  A tow truck for a 5th wheel would take hours, if not days. I've been there before. The flat could not be fixed until the metal wheel well liner was removed. Luckily a real good samaritan stopped, supplied the needed hammer and chisel, and I was on the road in 20 minutes. I threw him a $100. I find your "service" insurance worthless. Cancel my policy.