Technically you are not allowed to tow a car on a hitch etc unless the car is fully insured and has the rider to be towed,
I know this from experiance... If your car comes unatached from your vehicle and hits something you must have insurance on that vehicle/trailer.
If you hit something with that vehicle and it is attached to your car still then the car you are drivings insurance covers it..
Anyone confused yet???
I know I was