RV · Updated September 2026
A standard roadside plan dispatches a light-duty truck. A Class A motorhome or a loaded fifth wheel needs heavy-duty equipment, an operator who has handled one before, and somewhere to take it that can actually work on it. Those calls take longer and cost considerably more.
The plan attached to your auto policy or credit card may technically cover a tow while having neither the equipment network nor the mileage allowance to do it. That is a bad thing to discover on a shoulder in August.
Towing to a qualified repair facility, with mileage allowances appropriate to the fact that RV service centers are sparse. Tire changes, which on an RV can require specialized jacks. Battery jump starts, on both chassis and house systems. Fuel delivery. Lockout service. Mobile mechanic dispatch for a repair that can be made on the spot.
Some plans also cover towing a disabled tow vehicle and the trailer together, which matters if your truck fails while the camper is hitched.
The tow solves the RV. It does not solve you. If a covered loss leaves you stranded away from home, emergency expense coverage helps with lodging, meals and transportation while the RV is repaired or you get home.
For a family whose RV is both their vehicle and their accommodation, a breakdown means losing both at once, several hundred miles from home, often in a town with one motel. That coverage is inexpensive and it is the one owners describe as having paid for the policy.
Roadside assistance gets you off the road. It does not repair the engine. Mechanical breakdown coverage, where a carrier offers it on eligible units, pays for certain repairs after the manufacturer's warranty expires.
It is not available on every unit, it has its own conditions and exclusions, and for older or high-mileage RVs the answer is often no. Worth asking about while the unit is still newer.
Does my plan cover a vehicle this size and weight? How many miles of towing are included, and what happens beyond that? Will it tow the truck and the trailer together? Does it include mobile mechanic dispatch? And if I am stranded overnight, what pays for the hotel?
RV towing is substantially different from towing a car. Where it is available we help clients review roadside options covering towing, battery assistance, flat tires, fuel delivery and other emergency help.
If you are stranded, the roadside provider or the carrier coordinates the actual service. Our office helps you identify what your policy covers and gets you to the right provider quickly.
Often not adequately. Many plans limit vehicle size and weight, and a light-duty dispatch cannot move a Class A. Check the size limits and mileage allowance rather than assuming.
Some plans will tow both; some will tow only the disabled vehicle and leave you to arrange the trailer. It is a specific question worth asking before a trip.
Help with lodging, meals and transportation when a covered loss strands you away from home. On an RV it matters more than on a car, because the vehicle is also where you were sleeping.
Not under a standard policy — that is mechanical breakdown, not sudden accidental loss. Some carriers offer optional mechanical breakdown coverage on eligible units, generally newer ones.
Questions about your own situation? Call 417.623.8300 or send us your current policy. We are licensed in Missouri, Kansas and Oklahoma.
Questions about your own policy? Send it over and we will go through it with you.