I've had Good Sam Roadside Assistance since 2006. I have used it three times. Once was a Sunday when the brakes on my MH failed. By mutual agreement, we waited until Monday for a tow to a mechanic who could do the repairs. All went smoothly, and the service was great. The second time, I ran the battery down on my car. Called GSRA, someone was there in 30 minutes and jump started the car. Again, courteous professional service. The third time was when my Ford V10 spit out a spark plug on New Year's Day when there was snow on the ground on the Oregon coast. GSRA could not locate an available, contracted towing company. They helped me find a local towing company, whom I paid out of pocket. GSRA reimbursed me in a timely fashion.
It is important with any insurance of this kind to know what is and isn't covered and then to have realistic expectations. They might not be there in 15 minutes if a) you are not near one of their contract towing agents, or b) the weather is such that the agents are scrambling to keep up with high demand. If you break down in Atlanta, and your favorite mechanic is in Chicago, don't expect to be towed to Chi-town. Most contracts say they will tow you to the nearest facility that has the ability to effect repairs. In my experience, GSRA has lived up to their policy whenever I have needed them.