I am always leary when I tow somebody. I always make them hook the tow rope to their vehicle. I heard if you hook up to another vehicle and any damage is done to that vehicle in the process of towing you are liable

I dont carry tow insurance on my policy and dont want to buy somebody else a new vehicle because they are sue happy.
Anybody know if the tower really takes full responsibility for the towed vehicle while towing?
I dont know if them hooking the rope/chain to their vehicle aleviates some of my responsibility, but if they hook to the bumper and the bumper pulls off, I can say you shoulda hooked to something else,

I didnt make that decesion.