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I know how to change a flat, and I know how to put a new tire on the rim and replace it. I know that I can change the flat, however, I'm not 100% sure if I'd be able to take the tire off of the rim and replace it with a new one or not. I've watched it done, and it doesn't seem to be any easy feat.
However, if you're talking about calling an insurance company or something, then they need to get off of their arses and help you out. Doesn't matter if you can do it yourself or not, they're getting paid to do it.
As someone else said of their area, here, it's way too far to reach help (often times many miles), cars don't always stop if they see you, and, here there isn't any cell service for over half an hour's drive in any direction. Add onto this that I almost always have my 10 month old and my 2 year old with me.
If I see someone on the side of the road though, I make certain to stop and make sure that they're ok, or to see if they need help. It's part of the mountain rules, you never know when it could be you. Even if you can't be of much help, sometimes just the headlights on your vehicle can make a world of difference for someone who's trying to change a tire.