You are here:
- Home
- Autos
- Auto Insurance
- Auto Insurance Claims
- Trailer coverage
Auto Insurance Claims/Trailer coverage
Advertisement
Question
I have home owners, an umbrella policy, and auto insurance. 2 days ago our trailer lost control and was destroyed along with our personal watercraft while towing with my vehicle. I called AllState and they said I did not list the trailer on my policy. (this is not true I told them I had 3 trailers I used) They say they are not going to cover anything over $500. I was told at the time I called in after I had signed up with them when I inquired about insuring the trailers that they are covered under my auto policy. My question is do you think the trailer and/or personal watercraft is covered?
Thank you for your help,
Kirk
The answer to your question varies from state to state, policy to policy and company to company. Generally speaking, anything that is added to a policy is only done so after the policy holder signs a form agreeing to pay the extra premium due for such an addition or at minimum, any changes made to a policy are always sent to the policy holder by mail. They are called endorsements.
I cannot think of any reason why you would be able to pay a premium on an automobile only and get free coverage on anything that the vehicle is towing. That just wouldn't make sense.
Now I have seen some policies that may automatically cover a listed trailer on the policy, but not the contents of the trailer. After all, if they automatically covered the contents of every car and trailer, they'd be liable to cover a load of gold bricks and you can imagine the fraud that could create...
Read the policy. What the policy states is covered is covered and if it's not on there, then it's not covered.
Good luck!
Related Articles
- Pet Insurance - What questions to ask when buying a pet insurance policy
- Pet Insurance - The nuts and bolts of pet insurance policies
- Homeowner's and Landlord Protector Policies - Landlording
- Baggage Loss Insurance - Should I Buy Baggage Loss Insurance
- Make Sure You Have Adequate Homeowners Protection
Answers by Expert:
webfoot
Expertise
Auto damage, liability, insurance fraud. I am a full time auto insurance adjuster with experience in collision, theft, liability and fraud investigation. I am also an ASE Master Auto Tech and I-Car Collision Platinum certified. My experience includes 15 years in the auto repair industry, a B.S. in Criminal Justice, Law enforcement and auto insurance. ****** NO "PRIVATE" QUESTIONS WILL BE ANSWERED. I HAVE FOUND THAT NEARLY ALL PRIVATE QUESTIONS COME FROM PEOPLE WHO ARE CONSIDERING OR ATTEMPTING TO COMMIT FELONY INSURANCE FRAUD AND I'M NOT HERE TO HELP YOU! ****** I AM HERE TO ANSWER AUTOMOTIVE REPAIR, CLAIMS PROCESS AND SOME SIMPLE LIABILITY QUESTIONS. I CANNOT ADDRESS COMPLEX LIABILITY SCENARIOS WITHOUT HAVING ALL OF THE INFO FROM BOTH SIDES IN FRONT OF ME. QUESTIONS ABOUT PREMIUMS OR HOW INSURANCE IS RATED SHOULD BE ADDRESSED TO YOUR PERSONAL INSURANCE AGENT WHO KNOWS A WHOLE LOT MORE ABOUT YOUR HISTORY THAN I DO. I'VE NEVER SOLD INSURANCE AND DO NOT KNOW IF YOUR INDIVIDUAL INSURANCE RATES WILL GO UP IF YOU MAKE A CLAIM. THOUGH I'VE HANDLED SOME VERY MINOR SOFT TISSUE INJURY SETTLEMENTS, I PREFER NOT TO ANSWER INJURY RELATED QUESTIONS. I'M NO INJURY EXPERT AND I'LL LIKELY SAY SOMETHING TO HURT SOMEONE'S FEELINGS AS I BELIEVE THAT MANY SOFT TISSUE PAIN AND SUFFERING CLAIMS ARE OVER DRAMATIZED. UNLIKE MANY OTHERS, I AM ON THIS FORUM AS A VOLUNTEER WITH NO PRODUCTS OR SERVICES TO SELL AND PROMISE AN UPFRONT ANSWER BASED ON MY EXPERIENCE IN BOTH SIDES OF THE INDUSTRY. IF YOU PROVIDE ME WITH A HONEST VERSION OF EVENTS, I PROMISE A CANDID AND HONEST ANSWER IN RETURN. I CANNOT ADDRESS ALL CLAIM SCENERIOS DUE TO DIFFERING STATE LAWS AND REGULATIONS, BUT WILL DO MY BEST. PLEASE REMEMBER THAT AN HONEST ANSWER MAY BE ONE THAT YOU DON'T LIKE SO IF THAT IS GOING TO BE A PROBLEM, PLEASE DON'T ASK THE QUESTION. LASTLY, I DO NOT ACCEPT RATINGS AS I DON'T DO THIS FOR RATINGS AND WISH TO SPEAK FREELY.
Experience
20 years in automotive industry, Currently in insurance claims, worked actively as technician and shop owner until about 10 years ago. Current ASE Master Auto Tech and I-Car Platinum Collision Certifications, B.S. Criminal Justice and 10 year auto insurance/extended warranty background
©2012 About.com, a part of The New York Times Company. All rights reserved.