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If you have a storage trailer, a boat trailer, or any other type of trailer pulled behind your vehicle, you must ensure it is in addition to your vehicle. Many overlook checking if their vehicle insurance covers their trailer, but this may be a costly mistake if your trailer is involved in an accident.
Most car insurance policies include liability coverage for your trailer, but only if you also own the trailer. Your auto insurance may cover the trailer if your car is involved in an accident while pulling a trailer. However, because each auto insurance policy is unique, you’ll need to review the specifics of your current policy to ensure that your trailer is protected in case of an accident or other damage.
How Are Trailers Covered Under Personal Auto Insurance Policies?
In the event of a collision, does auto insurance cover towing a trailer? Most insurers will extend responsibility coverage to a trailer in tow. This is because the driver’s activities in the lead automobile are regarded to cause personal harm and property damage caused by a pulled trailer. Third-party liability is usually the extent of this extra coverage. It only applies if the insured owns and registers the trailer, and the trailer is hitched to the insured vehicle during the accident. Personal automobile insurance liability coverage does not cover any vehicle with its motor.
Trailer Insurance
When it comes to trailer rules, state laws differ. Because each insurance company follows state and federal regulations, policies on trailer coverage may vary. You may need insurance covering your trailer and everything in or on it. Your trailer may be covered by your insurance, but not its contents.
If you discover that your trailer isn’t protected by your truck or auto insurance, you’ll need to acquire a trailer-specific policy. Your trailer may be protected by a comprehensive or collision insurance policy. For your trailer to be covered, some insurance policies may need you to list it on the declarations section of your policy.
Insurance options for your trailer vary, so do your research while looking for the best policy to safeguard your trailer and its belongings. Your current auto insurance policy may include liability coverage for your trailer when it is hitched to your truck or vehicle. However, other liability coverage may not cover your trailer when parked or disconnected from your car.
Getting a comprehensive or collision insurance policy for your trailer may be the best way to ensure that it is financially covered no matter where it is. Additionally, towing a trailer may require an endorsement on your personal auto insurance policy. However, this may or may not be required depending on the type of trailer you are towing.
Insurance Requirements for various Trailers
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Travel trailers often require insurance policies, although your auto policy may cover trailers that tow other vehicles, watercraft, or ATVs. Check with your insurance to see what your extended coverage covers.
Another thing to double-check is whether your auto insurance policy will cover the contents of your trailer. If you’re hauling personal belongings, you’ll want to be sure you’re covered financially in case they get damaged or destroyed while in transportation.
Additionally, if you have a boat, an ATV, or are towing another vehicle, you should ensure that you have trailer insurance. These expensive vehicles are likely essential to you; any damage to them might be disastrous if you are not financially prepared to repair or replace them in an accident. Even if you know your auto insurance protects your trailer, be sure the contents of the trailer are covered by an insurance policy as well.
What If You Are Towing A Trailer Out of State?
Suppose you tow a trailer that you own out of state, and it causes bodily harm or property damage to a third party. In that case, your vehicle insurance policy should cover you for liability up to the limits of your policy. However, if the state you’re visiting has higher liability standards than your home state, your out-of-state liability limits will be increased to comply.
What Trailers Aren’t Covered
If you’re relocating or need to hire a trailer, your auto insurance probably won’t cover it. You will need to acquire insurance to cover your rental trailer usage. However, moving firms and other rental organizations will normally provide you with insurance for using their cars and trailers, providing you with adequate protection.
Do you have to tell your car insurance company when you’re towing?
Towing a trailer is more complicated than typical driving, making it more dangerous, but you don’t have to tell your insurance provider if you plan to tow stuff regularly. Even if you crash while pulling a trailer, your insurance will generally work the same way it would for any automobile accident claim.
Bottomline
Most car insurance policies will cover a trailer towed behind your vehicle as long as your vehicle is covered and you own the trailer. Significantly, your policy does not cover insurance for rental trailers.
However, many automobile insurance policies do not automatically cover your trailer for comprehensive and collision damage. You may need to liaise with your insurance company and purchase a separate policy to acquire extensive collision coverage.
