Trailer covered by tow truck
- Thread starter wolfriver
- Start date
chevytaHOE5674
New member
Call your insurance agent. My insurance covers anything hooked to the truck be it a trailer or other piece of farm equipment. But I also pay extra for that kind of coverage.
When you guys say its "covered" being attached to the vehicle just make sure you realize "covered" means liability only, if you want physical damage
Coverage you have to have it listed seperatly on either an auto policy and pay extra premium for comp and collision or endorse it on your home owners
Too many times fuys think its considered personal property so its covered, any recreational vehicle is not covered unless you list it somewhere, trailers,
Snowmobiles, ATVs, golf carts, gaters, all need listed somewhere on a policy and pay additional premium if you want physical damage coverage.
Coverage you have to have it listed seperatly on either an auto policy and pay extra premium for comp and collision or endorse it on your home owners
Too many times fuys think its considered personal property so its covered, any recreational vehicle is not covered unless you list it somewhere, trailers,
Snowmobiles, ATVs, golf carts, gaters, all need listed somewhere on a policy and pay additional premium if you want physical damage coverage.
skeeter2010
Member
We had been rear ended in the Dells 1998 or so with a trailer on. The trailer and the ATV's did get covered and the ATV's were uninsured they paid out on the ATV's fair market value and gave the max paid out on the trailer at the time $1000. I am unsure if they were covered because we were hit and covered by the other vehicles insurance but everyone was paid for their machines and the trailer was also paid for. I would not rick having an uninsured trailer if it is worth much I think my friend insured his 4 place enclosed for under $50 a year
since my trailers worth approximately $10k plus or minus a few bucks after finishing the interior and what not i called and asked specifically about this..it is covered up to $500 on LIABILITY only. if i want it covered any more than that it requires its own policy. just my luck, allstate my sled insurace company wont cover it and progressive my truck insurance company wont cover it...state farm will but they require two weeks to setup the policy and what not. i cant believe its not covered as "property" under my comprehensive or collision insurance. IF i'm towing anyone else's trailer/boat/etc its covered under property insurance on comp and collision..go freaking figure...seperate policy, another $200/ year it will be...
rocketman356
New member
1-800-contact ur insurance agent
theres just to many if-ands-buts and everything else to this..call your agent or the 800 number. get the details, write down whom evers name you talk to so you can back it up if ever needed. i'm 100% my policy is different than the next persons....we always hope that insurance carries over in the event of an accident when the titled owner of something is pulling or being pulled by titled owner of something else..unfortunately without checking with YOUR policy coverage were all just hoping and praying it works in our favor but from what i've heard/read/saw usually the insurance company finds a way to win...read your policy page for page...hightlight confusing areas and call your agent or go talk to him/her...take notes....i found this to be the best way to clear everything up!!
Longtrack..Probably not. But remember anyone can be sued for anything, whether your liable or not. More then likely it would be the person your trailer hit that would sue you. If your buddy had low limits of liability and someone was killed or seriously injured, you could very well be sued. In the end its a jury of your peers or a judge that will determine if you are liable or not.
Incorrect, thats why its important to have good liability limits on the vehicle your pulling it with
because that is where the liability comes from, a general rule is to carry liability limits at least equal
To your net worth. Again if you want physical damage coverage to the trailer, endorse it on a policy.