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Cheers!
The Handbook of the in-game police computer has a separate Parking violations chapter, take a look at that. It lists all potential parking violations and indicates the towable offenses separately.
The status of insurance is relevant. There are other violations than just a bad license plate that justify towing. If the registered owner of the vehicle does not have valid insurance, you may tow it. If the registered owner doesnt have a drivers license or a expired ID, you may tow. If the car is stolen or the registered owner has an open warrant, you may tow. It is much more than just expired license plate and positioning.
As for why they were deducted points, I am a confused, invalid insurance on the vehicle justifies a tow, so something else must have been at play.
Hope that clears things up,
Cheers!
(Then again, even for vehicles subject to a traffic stop or accident, an expired insurance is not grounds for towing - it's only subject to a fine or verbal warning as per the fictional Brighton laws. When it comes to insurance, you can only tow in case of a fake insurance, which also warrants arresting the driver.)
I was talking about parked cars, sorry if I didnt mention that or make it clear. Not ones involved in traffic stops or accidents. I just did it right now and you can do it too, I found a parked car that had invalid insurance, towed it, gained SP, nothing else was wrong with the vehicle, it was only invalid insurance. You can lawfully tow a parked vehicle with invalid insurance.
Hope that clears thing up,
Cheers!
EDIT: I would recommend giving this a look https://steamcommunity.com/sharedfiles/filedetails/?id=2556188698
If a parked vehicle has a expired plate you can ticket it and tow it. Yes you can tow for invalid insurance on a parked vehicle too. Check the guide I posted above.
Cheers!