Do Trailers Receive Coverage Under Car Insurance?

​A fun accessory you may utilize regularly is a fifth wheel or a travel trailer. Trailers are ideal for family trips to children’s sporting activities or to use as an additional bedroom when family members visit.

But what should you know in case of an accident caused by your trailer? Does your car insurance coverage immediately insure your trailer if you own one? Here is some helpful information that may help you understand what could happen to your trailer.

When Does Car Insurance Include Coverage For Trailers?
Most insurance can increase liability protection for a trailer being towed in case of an accident. This instance is because a towed trailer is regarded to be the fault of the driver of the lead vehicle when it causes personal harm or property destruction. 

Often, this policy may restrict the scope of the enhanced coverage to third-party responsibility. This policy may only cover the licensed trailer, held in the insured’s name, and hooked up to the covered vehicle during the incident.

Does Your Trailer Require A Separate Policy?
Trailers may be protected as one of your property’s assets, depending on your insurance coverage. However, trailers are costly, and contents insurance may rapidly reach its maximum during a claim. Your trailer may use up to most of your policy limit if you only have a limited amount of contents insurance.

What Type Of Coverage Do Trailers Need?
When you purchase a trailer, your liability insurance on your vehicle policy is extended to the trailer. For example, you may need to buy collision and comprehensive coverage individually if you want greater coverage. 

While collision coverage may protect you in a serious accident, comprehensive coverage may compensate for damage caused by impact or contact with another automobile. 

Bottom Line
You and your family may have fun and excitement by buying a travel trailer. You must determine whether your auto insurance covers your trailer before you leave because you don’t wish to risk the possibility of becoming stranded on the trip without coverage.  

At Auto Express Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (832) 232-4655. You can also request a free quote by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!