I think we are all after the same thing here; just trying to get it right. It was a curious question to me and I wanted to hear it straight from the horse's mouth just what the policy is. Obviously, at least to me, there is some confusion here and it's no wonder. I believe that in Ronni's case, she was with the disabled vehicle, the garage man really didn't care one way or the other who paid him, but since she had her card and pays for the benefits, the garage man probably thought just to avoid getting into a disagreement, "I'll just accept the card and get on with it." After all, it makes no difference to him. I think the policy's language is really ambiguous.
I remember speaking with a tow truck driver sometime back and he had told me then that he gets 'x' amount of dollars for fixing a flat, same for a jump start and then if the vehicle has to be towed, he gets 'x' amount per mile. AAA has a couple of options. I'm not sure what the plan is that we have, but it's probably the most expensive one. It gives us up to 100 miles of towing. I think the other plan will tow the vehicle to the nearest garage or something like that. My wife has been locked out twice. I keep telling her that she has OnStar. "Just call them. They can open the car for you." Instead, she calls AAA.
Like I already wrote, we have the roadside assistance plan added to our insurance plan, so I forget why my wife insists on having AAA. I think it's because her parents were life-long members or some reason like that. We also use it for no charge passport pictures, anytime we need something notarized it's n/c, and some other benefits. I know we got a great deal on our last set of luggage also. We used to get free trip routing, but with the built-in GPS and MapQuest, no need for that anymore.