Unfortunately with a society full of "sue happy" people, I no longer offer assistance to pull someone out of a snowbank. I will offer to call the police or a tow truck.
If you, or someone else gets injured, or a vehicle gets damaged, would your insurance cover you ?
This is avery good point, to date I have yet to ever have a problem with this, I hear our state has passed laws now that if you pull a vehicle out of a ditch, you can be charged with helping to flee the scene of an accident. It is supposed to target drunk drivers. Go figure, I still won't leave some poor family stuck in the middle of nowhere if there is no cel coverage or help available. Judgement is my best friend, if its unibody, I tend to think twice unless its an easy pull.
On another note, I do prefer a good "recovery strap" over a chain, due to the fact it "absorbs" the "shock" load if a "jerk" is required. With all of the plastic pieces, and lower air damm's, a strap is less likely to cause damage. Also, a piece of old fire hose can be slid over your strap, and moved around to protect it from cuts & abrasions.
Jim