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

Back in the "old days" before cell phones, you simply raised your hood so others would know you needed help and good samaritans or a police officer would stop and help. Then they would either radio for help or drive to a phone and call for help.

That 'system' actually worked but I wouldn't count on the samaritans today, since society is not as civil now. As you are then a sitting target on the side of the road, you must also be prepared to protect yourself from the less civil element that shares our roads.