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Their insurance should include the towing costs for the estimate and if they are refusing, you can refuse to settle with them as well. You need to hold your ground with the adjuster handling the case and inform them that the cost of the tow for their insured to take it to the shop is their liabilty as it was their insured who asked for it to be towed to that shop. Your other option legally is you can take the insurance repairs and inform the insurance that you will not release the owner for the towing fees and sue the owner in small claims
court to recover the towing fees. Your third option is submit the towing fee to your insurance company if you have comprehensive coverage and they will pay and pursue his insurance and the owner as well to get reimbursement.
These are your legal options.
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