The first step is to file a claim with the towing company. You should do this as soon as possible after the damage occurs. Be sure to include all of the relevant information, such as the date and time of the damage, the name of the towing company, and a description of the damage.
If the towing company does not respond to your claim, or if they deny it, you may need to take legal action. This could involve filing a lawsuit in small claims court or hiring a lawyer to represent you.
Whether or not you are successful in recovering damages from the towing company or lender will depend on the specific circumstances of your case.