A long tow is not cheap. Two years ago we went to Harlan. I was driving my 05 Cummins and hauling my WJ on a trailer. Probably around 17k gross. Broke a ring coming into Harlan on the truck, dropped a cylinder and it went to smoking bad. Might have been able to drive it home but did not want to make it worse or hole a block. Wanted to make sure I could at least rebuild it which I did.
Stupid me then broke an axle on the WJ wheeling. All though I doubt I would have drove it back to NC anyway it would have been a long, slow drive in the WJ. I ended up getting a tow back to NC. He actually hooked to the front of the truck and pulled it and the trailer with my WJ loaded all the way back to Durham, was about $1300 if I recall correctly.
Very few insurance companies would have covered that if any. They would only have covered getting it towed to the local service shop. Would have cost me a lot more to have the engine rebuilt in KY since I did all the labor on it when I rebuilt it.