I am pretty sure that the liability coverage is getting confused with the "full coverage" (comp. & collision) here. It is correct that when a trailer is connected to the tow vehicle the liability coverage on the tow vehicle will be extended to the trailer (i.e. you are driving down the road, with the trailer connected, and the trailer hits a parked car).
In this case Progressive Ins. is covering the damage under the liability coverage of the at-fault driver. Most of the time losses like this don't turn out so good since the at-fault driver usually doesn't go trying to find out who the owner was of the property damage (PD) that they caused. Having been a claims adjuster for almost nine years I have rarely seen this happen....Even though this is unfortunate Polarice, you got lucky that an honest person with good parents who also had insurance hit your trailer!
Progressive should value the trailer with all the add-ons since it is a PD claim for them.
In this case Progressive Ins. is covering the damage under the liability coverage of the at-fault driver. Most of the time losses like this don't turn out so good since the at-fault driver usually doesn't go trying to find out who the owner was of the property damage (PD) that they caused. Having been a claims adjuster for almost nine years I have rarely seen this happen....Even though this is unfortunate Polarice, you got lucky that an honest person with good parents who also had insurance hit your trailer!
Progressive should value the trailer with all the add-ons since it is a PD claim for them.
