The toad is covered by its own collision and comprehensive while under tow or not. If it causes damage to something or somebody else while under tow, it is covered by the motorhomes liability insurance. If it breaks away from the motorhome and causes damage to persons or property, it would be covered by both the motorhome liability and its own liability insurance.
The coach's own collision and comprehensive insurance does not cover the vehicle in tow, nor a trailer either.
2004 American Tradition; 2014 Buick LaCRosse
Homebase in the Ocala Nat'l Forest near Ocala, FL