Factors that influence coverage:
* Type of damage:
* Damage to the towing vehicle: Your auto insurance will likely cover damage to your car, regardless of whether it was towing a trailer.
* Damage to the trailer itself: This is where it gets complicated.
* Trailer is considered "covered property": Some policies specifically include coverage for trailers you own, often under a separate "trailer endorsement" or as part of "other covered property."
* Trailer is NOT considered "covered property": You'll need to have separate trailer insurance or rely on the liability coverage of your auto policy (explained below).
* Cause of damage:
* Accident: Most auto policies cover damage to your vehicle and any attached trailer in an accident, regardless of who is at fault.
* Non-accident damage: Like a trailer getting damaged in a storm or due to theft, coverage may vary. Refer to your policy or speak to your agent.
* Liability:
* Damage caused by your negligence: Your liability coverage should cover the cost of repairs or replacement for damage you cause to others' property, including their vehicles or trailers, even if you were towing a trailer.
* Damage to your own trailer: Liability coverage won't cover damage to your trailer, unless your policy specifically includes it.
Recommendations:
* Review your policy: Carefully read your policy to see if it covers trailers and what type of coverage is included.
* Talk to your insurer: If you're unsure about your coverage, contact your insurance agent or company. They can clarify what your policy covers and discuss options for additional coverage, like a trailer endorsement.
* Consider separate trailer insurance: If you frequently tow a trailer, you may want to consider getting separate trailer insurance. This can provide comprehensive coverage for theft, fire, and other perils, in addition to accident damage.
In general, it's better to be safe than sorry. Contact your insurance company to confirm your coverage and understand your options to ensure you're protected in case of a trailer-related incident.
