I don't know which one paid for the tow but I did need to use something for a tow once. I think I had both, the insurance and the phone insurance so it might of been my car insurance that paid for the tow. Either way as you say they are not that expensive and far worth the price, especially the cell insurance as that's hopefully usually a dead battery. The last time I had AAA they were not worth the price. I waited hours one hot afternoon in Houston and they ignored me. I had a flat tire, a bad back so I don't try to change them. I paid two Hispanics $20 which was a lot at the time to change it for me so I could go home. Just flashed the bill at them when I saw them and they were right there.
