Don't mean to hijack the thread but will will diverge it some only because my post does involve "roadside assistance" to a degree.
Gonna remain "Neutral" on the OP debate but I do tend to lean toward he who has most personal reason to feel personally aggrieved by what he percieves to be Shabby treatment. He is, after all, the one on the receiving end of it, and anyone else, in a sense, is merely Monday-morning arrmchair-quarterbacking.
To say nothing of the fact that by now presumably most members would know the OP's loved one SO also sustained some apparently-serious bodily injury in the same incident, when he did make some refence to in this particular OP as well, so anyone with half a noodle would and I think should hopefully realize OP has an awful lotta highly upsetting "Stuff" on his mind at this juncture.
So if even OP is merely bleating and wailing or venting absent due cause or reason, re the roadside assist element, which does NOT appear to be the case at all (not unwarranted griping) - but even IF it was - maybe cut the guy a little slack. He doesn't needs contrary debates. he could probably use a little friendly sympathetic caring support, if anything. He's a bro on 2 wheels regardless of how well ya do or do not personally know him. And Lord knows he and I certainly haven't always seen "eye to eye", but fair is fair and right is right, especially when a bro's and his SO loved one has sustained a significant loss and injury. Just MHO and maybe a little morrsel-food for thought . . .
Now to the point. Recently had the unfortunate experience of having to deal with an insurance co. for a wrecked GW. Stress I have absolutely zero connection or affilition with decribed carrier other than as a Customer.
GW was insured via Progressive Insurance Company. Perhas said too smugly, but I think it might be fair to say comparatively few people may "know ins co's" as well as I do. I've worked for 'em, with 'em and against' em in various arenas for about 33 years. I've seen, understood and been involved in both sides of "that fence".
I am quite happy to be able to say I could not have been more fairly pleased, impressed or satisfied with the extremely competent, fair, polite, expeditious and professional treatment and handling I received from progressive throughout each and every aspect and stage of claim handling and settlement. I mean, Truly Impressive, which is one of the only reasons I am even bothering to make the post.
At least here in FL, in a segment of the industry most carriers don't even wanna "touch" at all, (2-wheeler insurance, inclusive of medical BI coverage), Progressive has elected to "specialize" and make a name for itself for motoryclists.
Initially I was a tad leery of very mild "steerage" to one of Progressive's "approved dealer" Honda shops for damage appraisal and repairs if nt a total loss. Out of 3 local dealers in close proximity, their "approved dealer" was the one I myself would have selected anyway, and I could have selected any shop without protest from Progressive.
Initially I was expecting typical, the cage appraiser who doesn't really know too myuch about bikes. The Progressive appraiser was a recent-year Daytona Speedway MC pro race winner who after moving on to managing or owning his own local MC shop was head-hunted and solicited for hire by Progressive because they WANTED a MC appraiser who really "knew his stuff" for MC claims svc in this region. And "know his stuff" to the max, he did. We had some minor difference of opinion re parts pricing and labor values for add-on accessory items, and each and every minor little or major difference of opinion for both parts and total-loss settlment vehicle ACV value was resolved almost effortlessly without anything turning even the slightest bit difficult or sour. Perhaps because I knew some stuff moreso than "typical claimants" might so was well prepared documentation-wise etc. but even so they were very fair. Appraise was an extremely reasonable person, as I also tried to be, and in one instance where he found some merit in my viewpoints, he even went to bat for me by working his way up two-ladder rungs in the command hierarchy to the local-area head hncho, and got the "top man" to completely agree with and accept my politely stated demand. The appraiser didn't have to do that at all.
Appraiser was, in short, a top-notch real nice straight-up-front guy and a "biker' himself. On both the pro circuit as well as general mindset. definitely a "company man" in present position but fairly so. He did say Progressive made him the proverbial ofer too good to refuse to go to work for them, but also stated he himself was highly impressed by them and wouldn't be working for them if he wasn't.
I'm throwing this out there primarily because Progressive does offer roadside assiatnce coverage, at least in FL. I have not yet had reason or occasion to utilize that yet, thankfully, but if they handle their roadside coverage as well as they do their claims svc I think anyone would be happy.
For my total-loss GW claim, Progressive did pay the approx $300 private flatbed tow (rotation tow per State Trooper protocols) from acc site to my home. Then they arranged for an emclosed-trailer tow from my home to the Honda dealership for damage appraisal. The svc dept of the "approved dealership" was also top-notch in all spects of claim-related svc performed by them.
I think it might be "kinda rare" that anyone has cause or reason to "sing praises" for an insurance carrier's claim svc, but Progressive gets my vote at least in my region of FL. Presumimg corporate philosophy and practices may be generally similar where and whatever state the do underwrite motorcycle coverages in, I put this out there to the form members FWIW, if anything. They gave me a really fair shake, and I found that extremely refreshing. Especially amidst the proverbial "rough time" of "unfortunate events".
So if Roadside assistance as well as general motorcycle coverage is being sought, maybe give Progressive a look-see considration.
Apologies for the semi-thread hijack, Loran, and best wishes again to yourself and Laura.
Dinner's on gotta go ain't go time to proof-read this so please exycuse typo errors if any.