I suggest you really, really confirm what your policy does/does not cover prior to signing on the dotted line. If your AS does get into an accident while being towed or just minding its own business somewhere, you can have a real tussle with the insurance company trying to lowball your repairs or not agreeing on a replacement if it truly is totaled.
We spent months haggling with our insurance company. They finally came through for us, but it was a really insulting process.
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