We have used an "add-on" (not Geico) to our vehicle insurance for 16 years and have been extremely happy with it. At present it costs $12/year.
The last time we had to use it was when we bought a used 5th wheel and truck for the sole purpose of spending the summer in Alaska. We left our motorhome and Jeep behind in Arizona and crossed Death Valley (almost crossed), and the engine on the truck blew. No phone service in the area so we sat alongside the road. A park ranger drove by and called our insurance company for us. Two flatbeds from Lone Pine arrived - one for the truck and one for the 5th wheel. They towed us 75 miles (which was a 150 mi trip for them with two trucks) and set up the 5th wheel in Lone Pine and towed the truck for service. Our insurance paid for the campground for two weeks and there was $0 charge to us for towing.
Long story short, the best option for the truck was to install an engine from a Calif state trooper's trashed vehicle. The truck was a V10. We didn't feel comfortable continuing on to Alaska so we returned to Arizona, sold the 5th wheel & truck on consignment while we were gone, and took our 40' motorhome and Jeep to Alaska like we should have done in the first place. We had absolutely no problems, no dings, no broken windshield on the Alaskan trip.
Point being, the 'add-on' insurance for ERS worked beautifully.