Thanks for all of your advice on this matter.

Let me first say that "I'm a HIGH ROAD type of guy" and do not plan to try and defraud anyone on this matter. My position is that I was towing a vehicle when an accident happened. Both of my vehicles are licensed, registered, and insured as legal street vehicles. I was not racing, nor was I on the race track surface at the time of the accident. I'm not sure why a claim to repair the friends truck would be denied by my insurance company. I will be making a claim to see if they will cover the damage to the other vehicle and eat the damage on our vehicle.

I'll let you know how it works out.