Loss of use/car rental coverage is important. All of us depend on our vehicle to get us where we need to go. If a collision or other covered loss deprives you of your car, you will likely need a substitute vehicle. If your car is badly damaged or there is a parts delay, the car rental bill could be several hundred dollars in out-of-pocket expense. We recommend buying at least $30 per day benefit
Towing (road service) is offered by most insurers. Coverage is typically limited to a fixed dollar amount per tow/disablement. In general companies like AAA do a much better job (better networks=faster response time, easier/no paperwork) than purchasing this coverage through your insurance company. Plus too many towing claims can negatively affect your relationship with you auto insurance company.