How Does Pulling a Trailer Affect Auto Insurance?

Before towing a trailer with a vehicle, be sure to contact your agent at Koverage Insurance Group, serving Enfield, CT and the surrounding area. There are many types of things that a vehicle can tow, which include campers, trailers that carry horses, utility trailers, and trailers used to haul boats. There are trailers for motorcycles, snowmobiles, watercraft, ATVs, and others. All of these uses may require special insurance.

Your auto insurance may partially cover some risks when towing a trailer; however, there are many considerations that can affect your insurance coverage For anything that you want to tow, you probably need to expand your auto insurance coverage.

Please note that we are just describing some general information about the possibilities. For the specifics about your coverage, talk with your agent.

Here are some main concerns:

  • Own or Rent: There is usually a difference in insurance coverage if the trailer is owned by the insured driver or if the trailer is rented. Coverage for a rented trailer may be excluded under an auto insurance policy. In that case, you may need to get insurance for the trailer from the rental company.
  • Fault: An auto policy may cover liability for damages caused to others and their property when the accident is the fault of another person but may not cover any damage if the accident is your fault.
  • Extended Coverage: Extra insurance coverage may be required for the things you will pull with the trailer, such as a boat, or your personal property such as things carried in a camper or horses transported in a horse trailer.
  • Personal vs. Commercial Use: Any commercial use of a trailer requires a different kind of insurance than the type that covers personal use. Err on the side of caution because things like entering a horse in a horse show may be seen as a commercial venture, especially if cash prizes are awarded to the winners. Even an occasional commercial use, means the trailer and auto may need to be insured for commercial activities.

Contact your agent at Koverage Insurance Group in Enfield, CT by calling or using the convenient online form to get a quote for auto insurance that also provides adequate protection for things that you tow and for any trailers.