It would also make sense to assume that if you have a service membership with someone, they usually will cut you a break.
I have overseen situations before where the operator did not have a membership or policy but tried to get one after the incident already became a concern.
This is certainly a less favorable scenario where the owner/operator will be seen as "negligent" and could possibly be UNofficially judged by the provider and authorities.
A NON-covered boater is worse off than one who paid his dues and now needs the help.
And of course, there are always stories of guys who DID pay their dues and still were not satisfied.
It's a great thing if you need gas though - I can say that.
Best thing to do is always have a membership when your boat is in use and always be nice.
Go boating and don't worry about it too much.