well times and location changes...i was basing my comments on when I lived in Oregon up to 2019 ( when I moved to alaska) I was a park ranger in rural oregon. and lots of guys would complain about the lack of insurance coverage for back roads. If you got stuck in mud/snow more than 500 feet off an approved paved road most insurance would not cover a tow out. I saw that way too many times. Vehicle damage more than 500 feet also was not coved. Rental car companies have small print also stating that their insurance would not cover any damages off a main road.
But times change....and most of what I am talking about is what people told me about damage coverage....and like I said ...what I saw for tow outs and insurance not covering....telling customer...on my sat phone..on more than one occasion...they were not covering tow out.....the local guy who did back road tow outs made a fortune...and would only take a valid credit card....would not mess with insurance.
I even had one person who locked his keys on a back road....he hiked into me and used my sat phone....his insurance agent pretty much told him he was not covered and to figure out which was the cheapest window for him to break out. This was for a 1 year old land rover with good insurance.

Yes sir. F_ck insurance. I've spent at least 50 grand easily on that scam in my time and yet I'm never covered. I'd like to tell em to eat a fat c0ck and give me the money I've been giving them for nothing to fix my little mishap they won't cover. Why aren't people bombing that shit instead of innocents. Brainsmudged

Yeah I f_cked up and they found out it was on trail because the little cop that came out with the tow truck made a report. I would have scammed the f_ckers like they do everyone if that report wasn't made.

I've noticed that insurance can be quite bipolar depending on your wreck and coverage. I see 3rd gens on copart with a dent in the bumper and a broken taillight as totaled, but when I was in an accident in my 98 that required basically a rebuild of most of the front end, they covered me, why? i still have no idea. I got lucky considering I bought it for 3700$ and the repairs total about 4800$ not including the ~1000$ I spent on parts.

It just depends on your insurance and what your coverage is, and make sure to be pushy so you get your way.

It's great that your insurance covered the rebuild, especially considering the initial cost of the car versus the repair expenses. Sometimes, it really does come down to the specifics of your coverage and the policies of your insurance provider.
If you ever want more insights on insurance or need assistance navigating coverage options, feel free to check out Gap Insurance Quote Comparison: Best Gap Insurance UK. Wishing you safe travels on the road ahead!