Towing of Vehicle Covered under the PAP?

Our personal auto policy (PAP) insured borrowed a friend's car to drive, which broke down. He then used his own car to tow the friend's car with a long tow rope. Our insured's wife was behind the wheel of the friend's car.

They were starting to tow the car, but at the first right turn they took the towed car's steering wheel locked up, and the car continued straight and hit a parked car. Our insured's wife had forgotten to turn the key on all the way, unlocking the steering wheel. Otherwise, she would have been able to steer and brake the car.

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