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Michelle Said:

My truck was stolen with a trailer attached, shouldn't my automobile insurance policy cover the trailer, too?

We Answered:

Don't assume coverage. If you had any valuable contents in your vehicle your auto policy would not cover that either (in most cases). You can usually add these types of coverages, however, and be covered for trailers, contents and sometimes even pets.

Rose Said:

will homeowners insurance cover replacing a collapsing trailer floor?

We Answered:

Homeowners Insurance is not a maintenance policy. It does not cover wear & tear. Most likely this will not be covered.

Timothy Said:

Does car insurance covers damage on U-haul trailer rental?

We Answered:

No one here accurately knows. The only way you will ever know is to call your local insurance provider.

Martha Said:

whose insurance should cover if you pull a trailer for your company.?

We Answered:

It's a bit different, with tractors and trailers, and hauling for a living.

Generally, if there's no "physical damage" coverage on the trailer itself, then the owner of the trailer is "on the hook" to pay for teh damages.

So, you don't mention WHOSE trailer it is, whose tractor it is, or if you were deadheading, who's got what insured, or which policies would apply. Or even how big/what kind of trailer, and what was pulling it.

I think you're going to either post a heck of a lot more details, or discuss it with your insurance agent - but in absence of some kind of trucking contract saying otherwise (which, actually, is pretty common), the owner of the trailer is going to be on the hook for the damages.

I CAN tell you, that without seeing your policy, your Foreman can't possibly say if YOUR policy covers the damages or not. But they CAN arrange to get something in writing, from THEIR insurance, saying that THEIR insurance doesn't cover it.

**Pwincess has obviously never read a trucking insurance policy.**

Shirley Said:

Will insurance cover this?

We Answered:

First you need to read BOTH your travel tailer policy AND your auto policy. Read the sections for liability and collision under each, as well as the exclusion section for each coverage.
Guaranteed your comp coverage on the travel trailer will not apply.

Second any questions you have about coverage should be answered by the CLAIMS department, NEVER your agent--they don't know the answers primarily because they do not pay the claims nor are they aware of insurance law, they just sell policies. Their answer is generally "Oh don't worry it's covered," which only causes undue stress on you when you find out something ISN'T covered. When you ask the question to CLAIMS, unless you plan on filing an actual claim, always pose it as a HYPOTHETICAL as most states DOI require whenever notice of claim is received they are required, whether you like it or not, to open a claim under your policy.

THIRD, and this may be your best option, is to file a claim with BOTH policies and let the claims department investigate the situation and determine applicable coverages. They are the experts and if this is a situation of dual coverage they will work it out with involved carriers.

The most general answer I can give you: if your auto policy does not list attached trailers as an exclusion under your LIABILITY coverage then you should be fine. Same with the collision portion of the policy. If your travel trailer policy has liability, that would be your primary coverage and your auto policy would pay secondary.

Vernon Said:

A truck driver ran a stop sign and my car hit his trailer. Will his insurance cover my impound fees?

We Answered:

You can pay the towing and impound fees out of your own pocket, and then pay to have the car towed to your house where it becomes a yard ornament that the city wouldn't want there, and the insurance company will drag their feet on settling with you. Or, you can leave it where it is, where it is getting a daily storage fee and there is some reason for the insurance to want to see it as quickly as possible, settle with you, pay the towing fees and get it out of there and to their own yard.

Don't worry, we in the business aren't going to put a lien against your house, we know the at fault insurance will settle with us. Enjoy your Thanksgiving and don't worry about the car.