I used roadside & towing coverage once, my car was towed 2 miles, bill $75, insurance paid $25. I have been paying for that $25 for 5 years! I have a great driving record, excellent credit etc. A water pump one my car went out and my car needed to be towed approx 2 miles back to my home. I thought I have roadside and towing assistance why not use it. The bill was very reasonable at $75. I contacted my insurance company (Liberty Mutual), my first surprise was they ONLY pay $25.00 maximum no matter the cost of the tow. Next surprise was when my insurance premium increased! Contacted insurance and was told if your insurance company pays ANY amount of money even if the cost is 50 cents, the incident will affect your insurance. So, because my insurance paid $25.00 I have had a ding on my insurance for the past 5 years. How can this be?