Call the 1-800 number on your insurance documents to obtain assistance and instructions from your insurance company.
It is illegal for a tow truck driver to approach a driver at a collision without having been called in by either police or the motorist. Tow trucks are not allowed within 100 meters of a collision unless they have been formally solicited by police, the driver or the driver's insurance company.
Never accept services from a tow truck driver arriving on the scene of your collision unless they have been called by yourself, your insurance company or by police.
Do not allow a tow truck to hook up your vehicle until you specifically say so.
Always ask "How much will this cost?" and better-yet, get a written estimate.
Do not assume your insurance company will cover the tow unless you consult them.
Do not accept any tow company's claim that they are under "police contract". Any such contracts only relate to impounded vehicles and not the public.
If you are uncomfortable dealing with the towing firm - call someone else.
Do not assume that "everything will be OK and taken care of." The concept of "Buyer Beware" still applies when dealing with tow trucks.
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