Tim, I have been wondering about that, too. I am an insurance agent, and generally the insurance companies consider a structural, or mechanical failure to be "wear and tear", unless it can be linked some road hazard that was run into, or over causing the damage. I'm pretty sure the tow truck damage would be covered by either the policy on the coach, or the policy of the tow tow truck driver (negligence). Typically "wear and tear is excluded", so I'm curious to hear how/why the insurance company decided to pay for that.
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