Accident with tow vehicle right before big camping trip?

That close to a significant trip: Rent a 1-ton van out of pocket and try to claim it with insurance later. Enjoy the moment.

good question. Something I've thought about but not put much effort into. I suspect the eventual plan will depend a great deal on your insurance company, your financial situation, and where you are located relative to rental agencies that might something suitable and rentable for towing.

Now I suppose you could change plans and rent a motorhome for the trip.

"What if" doesn't happen very often so I don't count on them. About 20 years ago we were on our way to FL with my wifes F150 and the engine just locked up (170??? miles. I called work and told them to come get the truck and asked a friend to come get the TT, maybe only about 75 miles from home. We put the dog and our clothes in the car and went to FL. The truck spun a hearing and I told work to put a short block in it while we were gone. We had a good time even without the TT. Don't worry about stuff you can't change.

I have never experience this, but I have rented lots of vehicles. Often your typical rental agency, Hertz, Avis, etc, don't want you to tow with their rental vehicle, or take it off road. I've even had to sign a wavier about not taking a rental off road. On top of that, unless your trailer is minimal, then a typical rental truck might not be properly equipped. On top of that, when you get in an accident, unless you have some kind of special insurance, the company will only rent you a car that is like $20 per day, so compact if your lucky.

I think you would have to wait, or find a specialty rental agency at your cost.

I could be wrong as it has not happened to me, but I would be surprised if a rental agency even had a vehicle that could tow anything but the smallest trailer.

Where would the auto insurer go to find available loaner vehicles capable of pulling a moderate to large TT?