FIGMAN's Blog

The purpose of this blog is to help everyone become more informed as insurance buying consumers. It is my plan to post something new every couple weeks. Some of this will be very basic and some in more detail. The information will be based on Missouri but most will apply to Illinois as well. I entertain your questions on the blog and if you want to ask something in private you can email me.

Trailers - many people are confused when it comes to the coverage of trailers that are pulled behind a vehicle. The reason I think people are confused, is the coverage that is extended automatically vs. what is not automatic coverage. This is how it works;  

You do have extension of the liability coverage to any trailer that is pulled by your insured vehicle. If you are pulling your utility trailer with your insured vehicle and the trailer comes unhooked and hits another vehicle, then your liability coverage will pay for the damage to the other vehicle and any injuries it may cause up to the limit of coverage you buy. Of course you have to be at fault such as you may have forgot to latch the hitch. There is no coverage for the value of the trailer that was damaged unless you bought specific coverage for it.

So, there is automatic coverage extended for liability purposes but there is no automatic coverage to pay for the value of the trailer that is being pulled unless you purchase the specific coverage.