If you have a car breakdown, in the middle of no-where (or in your driveway), do you expect the auto manufacturer to pay to tow your car to an auto mechanic or to the dealer for repair?
This is what your insurance is for.
As long as the manufacturer covered the parts and labor, they have taken care of you.
Membership in an auto club can give you inexpensive tows on your car.
Membership in a boating group can get you inexpensive tows for your boat.
Perhaps check into Boat US? They have very inexpensive towing coverage, especially if you only want inland lake coverage.
