Does Car Insurance Cover Towing a Trailer
Most people don’t think about it, but a car can be towed with the help of a trailer. And if you’re wondering whether or not your car insurance covers this kind of towing, the answer is yes. But there are a few things you need to know in order to make sure that everything goes smoothly when you tow a trailer. In this blog post, we’ll cover everything from what insurance covers to how to properly prepare your vehicle for towing. So read on and learn more about this important topic.
What is a trailer?
Trailer insurance typically covers the vehicle, the driver, and any passengers inside the trailer. It may also cover damage to the trailer itself, as well as any possessions inside it. In some cases, Trailer Tow Coverage can also include roadside assistance if necessary.
Types of trailers
When you tow a trailer with your car, it’s important to understand the different types of trailers and their corresponding coverage. Here are the four main types of trailers:
A recreational vehicle (RV) trailer is typically used for camping, fishing, or other outdoor activities. These trailers usually have a max weight of 10,000 pounds and are covered under standard car insurance policies.
An enclosed vehicle trailer has walls around the inside that protect the cargo from weather and other elements. These trailers are typically used for transporting goods like furniture or cars. Enclosed vehicle trailers are covered under specialized policies that may include coverage for towing.
A utility trailer is typically used for carrying heavy objects like lumber or pipe. Utility trailers are not covered under standard car insurance policies and require special coverage called an “emergencies only” policy.
A motorcycle trailer is typically smaller than a regular trailer and is designed to transport motorcycles or scooters. These trailers are not covered under standard car insurance policies and require additional coverage called an “motorcycle endorsement.”
Are there any restrictions on what type of trailer can be towed?
There are no restrictions on what type of trailer can be towed. However, if the trailer is more than 8,000 pounds, it must be registered and have a permit.
Conclusion
If you’re thinking about towing a trailer with your car, it’s important to understand the different types of car insurance coverage that are available. Some policies will include coverage for towing a trailer, while others might not. You’ll need to ask your agent about your specific policy and what is included. In general, most car insurance companies offer some form of coverage for towed vehicles, but it’s always important to read the fine print in order to be sure.
