While waiting for jump service from a local towing company, I called the Auto-Owners 888 number to claim coverage for the $45 service fee. The rep on the line couldn't even locate my policy!! I wound up using my debit card to pay for the jump. Then the local agency informs me the fastest way to get reimbursement was to get the service receipt to the agency by POSTAL mail, so they could forward it to Auto-Owners! I was happy to have a reasonable premium, which includes up to $50 per roadside assistance. But this incident caused me undue stress, and it shouldn't have taken all this!! I'd assumed all I would have to do is present my towing slip from Auto-Owners to the tow truck driver. User's recommendation: Make sure ahead of time that your data is available to the insurance company!