Moho and toad insured with different companies?

So nobody has ever had actual experience with a claim on an auto when it was being towed by a motorhome? I'm now thinking that comprehensive would be the only coverage applicable, since liability and collision kick in when it's being driven.

And generally, companies are pretty easy with comprehensive. They just ask where and when the hailstorm was, or where and when you got the rock chip in the windshield. Maybe there's nothing to worry about after all.