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That's hard as I wouldn't back pay but my insurance company goes back and forth on doing roadside depending on if you have comprehensive and has changed the rule and rates to be more or less competitive with AAA. When it's cheaper I use my I aurance, when not AAA. If they made me back pay I wouldn't use them. But I generally don't just do the sign up and tow immediately.



I think it’s only when you want a tow same day - renewing a failed account has a three day waiting period if you don’t pay the rush fee.




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