Kalynzoo: Let me add to your knowledge base. I fulltimed for 14.5 yrs and put on slightly less than 400,000 miles during that time. I had roadside assistance available for each and every one of those miles/years. And though I recall a number of years without making a call for help, I also remember some yrs with 2 or more calls and one year with 5 calls. Some of the calls included a major tow truck to tow in my International 4700 plus 40' fiver. I never rec'd a warning, cautionary letter or phone call telling me I was 'walkin the edge' of my coverage nor was my coverage ever cancelled.
Course I never used one of the companies like Coachnet or Good Sam that likes to sell stand alone (overpriced) ERS insurance either. I price shopped my truck and 5ver insurance each year and always placed both units on one policy or at least a single carrier. I added an ERS rider to my 5ver coverage which automatically covered my tow vehicle as well even when in non towing use. As I recall, the rider generally ran $35 +/- per year and I presume when looking at an ERS claim, the company took into consideration that they had a lot more premium (for the truck & fiver) riding on the line than just selling me ERS.
The ins. companies (other than AAA which would be a horrible choice for an RVer) uses the same national dispatching services as the specialty road service insurers - it's just the 800 number is answered in your insurer's name rather than Coachnet's etc. name.