While most of this thread has been about someone dying the situation need not be of a fatal nature to require some serious assistance. A simple fracture or other non life threatening injury/illness can easily render the primary driver incapable of getting the rig home. Also remember your pet{s} as most of us consider them family.
Those who have family and or friends that can drop everything and arrive prepared and capable of driving what for many are very large rigs with toads and trailers are very fortunate. This is not the case for me and even if I had someone that is a very big "ask".
For several years we have carried the Good Sam Trip interruption coverage {no, it is not insurance} but does provide for a professional to drive the rig home to include a spouse, kids and pets. There are a lot of other services folded in and the yearly cost is around $125 +/- or basically a nice steakhouse meal for two. Much like fire extinguishers, ERS and full coverage this plan is something I hope to never need but my bride and I sleep better knowing that it is in place.
We came very close to needing it last month... I was recovering from a kidney stone and while on the mend I elected to cancel an upcoming 3 day trip to a remote CG about 80 miles from home. On what would have been our first night in camp I was struck down with serious liver - gaul bladder failures and after being rushed to the local ER spent the next 7 days hospitalized going through gaul bladder removal surgery and several other serious medical procedures {don't ask}. Between the kidney stone and the subsequent, albeit unrelated medical disasters the running total from the VA is now well north of $100,000.
We would have had our 24' Class C, 10' cargo trailer and Can Am Spyder to get home none of which my bride could have handled alone. There is no one I could have called {not that I was in any shape to do so} and we would have relied on the Trip Interruption coverage.
Just sayin...
:C
