It was serendipitous the way it turned out.
The tow truck company actually refused to accept the USAA tow offer and insisted cash. USAA's road side assist, who never left the line BTW, actually apologized as she could not find anyone close enough in the boonies to help me and said that we could pay them and file for reimbursement. USAA would pay the maximum allowed under the policy; and I would have to eat what was left (which was not a lot - $100).
But that was at the original quote of $450. The tow truck showed up and it was a regular car tow truck. I laughed, and asked what he planned to do with that?
He said he thought it was a trailer and he would just winch it up on a dolly; but since it was a 5th wheel he would need to get the big low-boy and I would have to drive it on. And oh yea, the price is now $650.
110 in the Texas sun and I was ready to spit bullets; but agreed.
HOWEVER, since he towed BOTH vehicles, EACH was covered separately up to the maximum $700 and USAA had the money in our checking account 12 hours after I emailed them a digital camera copy of the receipt. (Took longer to get a working internet connection!)
Lou and Laura with Bella - German Short Hair Pointer
2008 GMC Sierra 2500HD Crewcab SB Allison Duramax
2010 Flagstaff 8526RLWS - Superglide 3300
HAM CALLSIGN - KC3FFW