Most car insurance policies don't carry rental insurance or even have it. If they have it, you usually have to opt for it and this will add into your premium. Rental insurance can be costly, so many insureds either don't select it or the insurance company don't carry it. Towing expenses differ as well depending on your policy. This is why I always tell friends and family to read your declaration page and policy to see what you are being covered for.
I am not familiar with Amax but USAA is pretty big company and they have a good reputation of paying out claims. Again, read your dec page and policy to know what you are covered and what is not.
A 30 day response is not uncommon.
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