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Old 07-22-2017, 09:10 PM   #15
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Quote:
Originally Posted by vmonkey View Post
My insurance company told me that if towing a trailer (the trailer and truck are connected) I am covered by the truck portion of my insurance plan. The RV part of my insurance plan covered when it is not connected.

Adding the RV to my existing plan was less than $100/year.
Not arguing with you, but questioning your insurance people.
My guess is that they meant to communicate to you that your liability (the portion of your insurance policy that takes care of the other persons injury or property damage) extends from your tow vehicle to the trailer you are pulling... meaning that, for example, if you take a turn to short and drag your trailer across the front of someone's vehicle, even though your insured vehicle didn't actually hit the other persons vehicle, your liability will still fix the other persons car and pay for their injuries because your trailer was hooked to your tow vehicle.

Now in this example, if you did not have an endorsement to specifically cover your trailer or a separate policy for your trailer, damage that your trailer received in this accident would not be covered.

Again, I am not arguing with you, I just suspect that they did not explain it to you correctly or effectively.
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Old 07-22-2017, 09:17 PM   #16
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I don't think anyone is here to argue. What you said makes sense. The simple question of "if my trailer gets totaled while not connected to my vehicle, will I be covered?" They could not answer the question. I was mostly curious what people in here were using because I was going to do some shopping around.
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Old 07-22-2017, 10:02 PM   #17
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Quote:
Originally Posted by TRebel View Post
Not arguing with you, but questioning your insurance people.
My guess is that they meant to communicate to you that your liability (the portion of your insurance policy that takes care of the other persons injury or property damage) extends from your tow vehicle to the trailer you are pulling... meaning that, for example, if you take a turn to short and drag your trailer across the front of someone's vehicle, even though your insured vehicle didn't actually hit the other persons vehicle, your liability will still fix the other persons car and pay for their injuries because your trailer was hooked to your tow vehicle.

Now in this example, if you did not have an endorsement to specifically cover your trailer or a separate policy for your trailer, damage that your trailer received in this accident would not be covered.

Again, I am not arguing with you, I just suspect that they did not explain it to you correctly or effectively.
Interesting - I wouldn't be surprised if their explanation was wrong or misleading. In any case, I bought the rider on my policy for the trailer.
It was a big ticket item for me and the added cost was minimal. When I had my pop up, I did not insure it (I stored it at home. I paid ~$4000). Price was about $100/year...
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