Towing Insurance.

I shop around every year for insurance but this time I'm learning that insurance companies are all over the place when it comes to towing a wreck.
Some insurance companies pay no matter what the bill is, one woman told me that she had a $33000. Bill from a wrecker service.
Some insurance companies only cover up to a certain dollar amount and the rest is on the driver. Canal is $5000. Northern Casually says up to a reasonable price, what ever that means.
It's a question everyone should ask there insurance company, because there not going to tell you, and you could be on the hook for a lot of money.