3. Auto Personal & Commercial

John has the following auto coverages with ABC Auto Insurance:

• Liability $300,000 Combined Single Limit
• Comprehensive w/ $500 Deductible
• Collision w/ $500 Deductible

John parks illegally and his car is towed away by Safe Movers towing company. Safe Movers have the following insurance policies:

XYZ Auto Insurance:

• Liability $1,000,000 CSL
• No Comprehensive (self-insured)
• No Collision (self-insured)

Top Insurance Co:

• $2,000,000 limit General Liability coverage

In the process of being hooked up to the tow truck, Johns car is scratched and dented by the towing chain which fell on the hood of the car. Damage is $1,000. Explain who pays for this loss and how much is covered by insurance.