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Old 02-12-2012, 12:20 PM   #1
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Insurance coverage

I'm buying a dolly next month and I'm not sure how the insurance coverage works. Does the motorhome insurance cover damage to the car or is it the auto insurance. If, as I'm guessing, it is the motorhome's, do I need to get a rider on my policy for towed coverage .
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Old 02-12-2012, 05:19 PM   #2
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It probably depends on the type of insurance you carry. You should probably contact your insurance carrier to see what you might need.
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Old 02-12-2012, 05:27 PM   #3
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You need to ask your insurance carrier(s) and make sure you understand it in writing.

Every state/insurer/policy will be different and your carrier(s) is(are) the ONLY one who can answer your question.
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Old 02-12-2012, 05:54 PM   #4
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Hi Peddler,
In Florida, the auto policy for the car will cover it when being towed. The coach insurance has nothing to do with the toad.
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Old 02-13-2012, 02:48 PM   #5
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The coach liability coverage covers any damage done BY the dolly and car while under tow, but not any damage done TO the dolly or car. The car is covered by its own collision and comprehensive (other than collision), so no need for any extra there. The dolly has no coverage for any damage it might sustain unless you add it to some other policy, perhaps the motorhome. Check with your agent to see if that is possible. It is considered a trailer.
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Old 02-13-2012, 03:13 PM   #6
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I guess the OP really needs to contact their carrier(s) and discuss this. Maybe it depends on if the toad is connected to the coach when it does damage. In the two situations I'm familiar with the toad separated from the coach (tow bar failure). The emergency breakaway took effect, but not enough to stop the toad before it did damage to State/Federal owned property alongside the road. These governments' wanted reimbursement for the damage. In both situations, the auto policy paid for the damage (and then promptly dropped the insured). Both of these situations were Florida residents and the accidents happened in Florida.
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Old 02-14-2012, 10:42 AM   #7
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When a car is towed and somehow causes damage, there are TWO insurance policies that apply, since both the motorhome and the toad have liability insurance in effect. Just report it to both insurers and let them sort out who pays.

The dolly, however, doesn't have liability insurance of its own and is covered by the tow vehicle liability if it causes damage to something else. Any "trailer" is covered by the tow vehicle for liability purposes only.
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Old 02-14-2012, 12:36 PM   #8
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I guess I need to talk to my agent. We insured and registered our tow dolly, but from what I'm reading here it looks like we have wasted a years premium and cost of tags. If I am reading this right, our auto insurance/MH insurance would cover any damage caused by the dolly?? So we would have no need for this extra??
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Old 02-14-2012, 01:59 PM   #9
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Hi bsirby,
You are correct. You need to talk to your agent. Every state has its' own laws. An example is you mention you got a tag for your dolly. In Florida, a dolly is not required to have its' own tag.
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