BGRW, I actually bought an USRiders policy after reading your post and my incident the other day! Sometimes sh!t happens.
I had sold my trailer, the buyer lives 3 hours away and doesn't have a gooseneck hitch, si I agreed to deliver since not coming down on my price. Before delivering I took the trailer to the car wash and gave it it a thorough wash, wax, vacuumed the tackroom and even ArmorAll'ed the tires, which at that time I thumped. Later down the road I stopped for fuel and felt the tires for heat...all good. Further down, I looked in my mirror to change lanes to watch a trailer tire come apart. Not wanting a tire to tear a fender off I immediately pull off to the shoulder.(not sure what I might have hit or happened) No big deal, I don't mind changing tires at all, I am a big girl. I start to try to bust the lug nuts off and I can't even budge them, I tried standing on the wrench, even found a pipe for a cheater bar in the truck...nothing. At this point I have been along side the road for a good 20 min. And no one has offered assistance. (this is on 175 just south of Dallas)This I find odd, where I am from, I would not have even had to bust out a spare tire or jack before someone would stop and ask if I needed help or a ride. Finally some guys with TDOT stop to help and between the two they get the lugnuts busted off and the tire changed for me. I thanked them profusely and offered cash for their assistance.
So at this point I think to myself..sh!t happens, good thing I didn't have a trailer load of horses in this heat on a busy hwy(although I could of hopped on and trotted somewhere,lol!) and roadside assistance might be a good investment!