Worst Insurance Company ever

If I had an accident and only my insurance company was contacted. How is it that a company called FAM was informed by MiWay to have my rolled car towed? With MiWay being well aware I'm not covered for towing but giving these people the illusion I am covered. I would not have approved the towing based on the quote I now received. I would first have done my homework. But now I'm stuck with a release fee because someone from FAM was given authorisation to contact JD towing and give them authorisation to come to my car. Because I still asked Reynhardt why are you here who sent you and he said MiWay. It's the guy from JD towing. I have free services for towing that I could've used. Now I'm stuck with a bill. This is not fair. It would've cost me zilch if I wasn't misled and could've contacted my my other options who offer these things for free