Wingnut has it, when I used to run a service center for autos, NOBODY wanted to deal with a warranty claim from some aftermarket carrier. We had to determine the problem, figure up a cost to repair, then, call someone who didn't know a bumper from a radio knob. Explain the problem, the cause and the cost to fix. Then wait, sometimes for days for a call back, then they decide they need to have an inspector come look, wait for days, then he/she inspects and will get back to us. Wait till the owner says, they will only pay X, or nothing, or maybe all. We have to have hoists, work areas or parking areas held up for long periods of time for what we could have fixed in short order. Then if we were expecting payment from the insurance company we might not get paid for months. We tried to help the customer, but we can only go so far when one of these warranty problems came in. Shortly after I left that company they cut any after market warranty repairs from the shop. This is why so many complaints from the policy owners, the shops and repair people ( like mobile RV techs) over these policies. They are not in business to loose money and they don't.
I do carry towing coverage on the rig, through my own insurance company. I pay and get reimbursed. That to me works better than calling some center 1000's of miles away hoping they can find some carrier that they have contracted with to help. When a local guy just down the road could help in minutes, not hours.
2013 Tiffin Allegro 34 QFA
2015 Cadillac SRX (towed)
2019 Tesla Model X
1991 Avanti Conv