Broke down on the road, what's your insurance experience?

I'm currently using the $22/year roadside service I get with my Progressive insurance. The one towing event I've had so far using it was quite positive, and would have been a "sign and go" experience except that the NY Thruway requires that roadside service must be dispatched by their own dispatchers using only providers with special permits. I did have to pay up front that time, but it only took a few days to get a complete reimbursement from Progressive.