I to dropped AAA a couple of yrs ago, just didn't ever need them. But I'm driving an old Dodge Cummins so I figured I better get something! I checked with my ins co, State Farm & they tell me that with road side assistance, they will only tow my rig (TC & enclosed trailer) to THE nearest repair facility. If I want to go further to another dealer for example, then I would have to pay for the added distance.
They said that they would take care of both the TC & trailer. sometimes the tow co will bill State Farm & sometimes I would have turn in the receipts for reimbursements. Who knows, hopefully I won't have to find out on our coming trip. They also do provide assistance if I lock myself out or run out fuel.
I figured that at 3-4$ per month this is a great deal. Hopefully my young agent got it right, I guess time may tell.