I've used USAA roadside assist for cars two times and both times the response was prompt. The events were in two different states and neither time did I have to pay anything. Supposedly going through your insurance company for roadside assistance counts as a claim and may raise your insurance rates, but I haven't asked USAA about that yet.
Just recently signed up for AAA through a mailer they sent. When the cards and benefit pamphlet arrived come to find out the towing distance is something stupid short (only 5 miles) and it doesn't include a trailer. Surprise number two: if it is out of state I have to pay the service provider and then get reimbursed. Now to find out how much more to get a reasonable towing distance or just cancel it.