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auto insurance question

Old 10-03-2019, 08:51 AM
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so I am getting 2 different answers from 2 different reps,
(progressive)

I have full coverage 500 comp/collision
250/500/100 liabilty

So i asked was a trailer covered if I towed it, granted the policy has my trailer listed but say I borrow a trailer, is it covered if not in my name. 1 rep says yes and 1 says no. I am waiting for the "manager" or what have you to call me back.....what say you ?
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Old 10-03-2019, 08:53 AM
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My guy says I have liability coverage for anything attached to the car.
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Old 10-03-2019, 08:54 AM
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My Farm Bureau told us our trailer and/or boat is covered if we should wreck.
we still chose to purchase a policy to cover all three.
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Old 10-03-2019, 08:56 AM
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Can't speak for all policies, but in my case the liability aspect of trailering is covered. Coverage for the trailer and anything on the trailer is a separate policy. For instance collision/comp is covered for my boat and trailer when they are on the road, behind my vehicle or anyone else's.

For utility trailers with the exception of the gooseneck, we self insure collision/comp. We do have riders added to my parents homeowners policy for a pair of tractors & a diesel zero turn mower that covers them during transport, regardless of what truck/trailer they are riding on.
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Old 10-03-2019, 10:03 AM
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If the trailer isn't listed(i.e. borrowed), your liability will extend to cover the trailer. Physical damage will not be covered
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Old 10-03-2019, 10:08 AM
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My policy says my trailer is covered by my car policy when attached to the truck & covered by homeowners when parked at home. I do not pay anything separate.

My boat has liability coverage when on the water through my homeowners (meaning if I crash into something my insurance will pay for damages to everything EXCEPT my boat).

I do not have a separate policy on my boat - but it's only worth $5k to $6k. Just went through this because a private lake I use wanted an insurance statement.
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Old 10-03-2019, 10:09 AM
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so if the trailer is a total loss, its not covered
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Old 10-03-2019, 10:11 AM
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correct
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Old 10-03-2019, 10:14 AM
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correct, unless it was listed on your policy with comp and collision.
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Old 10-03-2019, 10:18 AM
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Originally Posted by bluffman2 View Post
so if the trailer is a total loss, its not covered
correct, assuming an at fault accident. If someone else is at fault their insurance would be on the hook, assuming they have some.
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Old 10-03-2019, 10:31 AM
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these reps dont know their ass from a hole in the ground then. lol
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Old 10-03-2019, 10:39 AM
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When I worked at the marina at the Naval Base, we rented boats on a trailer. We had a Boston Whaler on a trailer that was totaled by a cement truck. The renter's insurance paid for it. I don't know what insurance company it was. Funny thing was, I got the call from the renter whose said he needed a flatbed truck. When I asked why, he said the boat was totaled by a cement truck. That's when I told him he'd better get hold of his insurance company.
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Old 10-03-2019, 12:32 PM
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Covered for liability.....not covered for physical damage unless listed on policy with comp/coll coverage. However, progressive's policy usually has a stipulation for a limited amount of coverage for trailers ($500).
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