Insurance generally only covers expenses for a specific time in the case of an accident, not due to repairs nor breakdowns.
You have no choice but to go with the flow. Expedite the part and pay the shipping if you can.............was not possible with a new differential that would have broken the bank to try and expedite. UGH.
Many larger repair shops have a few RV spaces where you can stay wile they work on the RV or wait for parts/ depends upon the repair required but many can make it work for those extra days. Mobile repair guys are great for small repairs.
Something is always shaking loose, wearing out, going out of adjustment or breaking. Just make it part of the adventure when you cannot fix it yourself. Worrying in advance or during a repair wait just makes RVing miserable and it is SO worth it all! ENJOY!