Do the regulations governing forbidden insurance companies apply to companies that guarantee to tow a broken-down car and provide a hotel for passengers in exchange for an annual subscription?

What the questioner mentioned is an application of an insurance contract. The ruling on insurance varies according to its types. Cooperative insurance based on donation and cooperation is permissible, though it is rarely used. As for commercial insurance, which is based on usury and uncertainty (gharar), it is not permissible শরীয়াহ-wise. So, if the company is based on cooperative insurance, there is no objection, but if it is based on commercial insurance, then it is not permissible.