I used to live (parents still do) in the poorest county in AR. We've been sued bya kid's family who jumped our fence and drowned in our pool, and sued casue my dad pulled an M1 carbine on a bunch of thugs who were hooking chains on our street signs and yanking them out of our yard. I have a wife and a baby to take care of, and I'm not gonna risk pulling someone I don't know out, because you can lose everything in the drop of a hat. Does that mean I won't help people, no way. I'll give them a ride, let them use my cell phone, or try to push them out by hand, but you won't catch me in court having the prosecutor ask my why I tried to pull someone out when I'm not a licesced tow truck driver. One of my buddies got stuck paying $750 to redo a guys electical system in his truck cause the guy (not my friend) hooked the jumper cables up backwards and fried all his guages in his pickup (friends lawyer said wasn't worth going to court over, because the case was based on my friend not telling the guy how to hook up the cables; he got "just pay him and learn a lesson"). If I know you and am pretty sure you won't sue me, here's my winch cable, if I don't know you, get in and I'll give you a ride. Disclaimers don't work, just like our "no trespassing" and "private property" signs didn't keep that kid out of our pool. I simply won't risk my family's well being on a hope that nothing goes wrong, and if it does, I won't get sued. Not in this day and time. I'm not abandoning people in need (I picked a guy up on Xmas eve 2 years ago and gave him a ride to his family's house), but I'm not putting myself in that kinda risk either. I don't like it, but that's just the world we live in. You can say it's not that bad, but it is where I live. Our insurance rates are higher on our vehicles here too, cause so many people don't have insurance, and if there is an accident, somebody's suing somebody (that's what I was told by USAA). I pay as much for uninsured motorist and underinsured motorist as I do for collision. Is it right that I pay more cause there are people driving around without insurance? Hell, no, but if I get hit by an uninsured motorist, I'm out a vehicle and their not gonna pay for it. My dad's always told me to cover my ass. The older I get the more I understand what he meant.....