Goodmichael has the right thought process here. Just google Reptile Strategy of Litigation and see what the plaintiff's bar will do to you if you are not running a tight ship, in a split second you lose all that your hard work has biult to a nuclear verdict. I have been selling insurance for nearly 30 years and I haven't seen a time like we are in today where we are seeing such large demands, no only in towing, but across the board. Remember, you don't have to be totally at fault. In some jurisdictions you only have to 1% at fault to have a large judgement against you. I have seen companies th