Suggest that she do it instead.

"Well, in my state of undress, I guess you'll have to do it. I'll just advise you what to do," you suggest.

"I'm not really sure if I can loosen the nuts, so if you can't help, then I can't help you," she says somberly.

"Don't you have a towel or something to cover just this part . . . "

"Oh, you've been running around naked, and now you need some covering! Aren't you just setting me up? I'd better call towing service instead!" She gets back into her car, slams the door, and pulls out her cellphone. "Leave now!" she shouts at you.