• Michael Goodman

Is the trailer that I am pulling covered by my auto insurance policy?

Is the trailer that I'm pulling behind me covered by my insurance policy? Mike Goodman here, agency, principal Goodman insurance solutions. And today, I want to address the trailer. Alright, there are a couple of different ways that we can look at this scenario as far as what could happen, and what are expectations as the person that's pulling that trailer, maybe the person that owns that trailer. All right. So if we're headed up the highway, there's one thing that stands out to me that I think could happen while you're pulling that trailer, whether it be loaded or unloaded. And that is that the trailer could come on hooked. In that situation, what could happen? There are a lot of things that could happen. One is that that trailer could strike someone else's vehicle to strike someone else, strike someone else's property. And who's going to be liable in that situation? And where does the coverage come from?

If you have an active and in-force insurance policy, a lot of times the coverage is going to come from what's called the power unit, the pooling unit, which is the vehicle that you are driving, that is pulling that trailer. All right. So that part most of the time is taken care of if your policy is active, that's going to stem or extend from that power unit. Now, another way we could look at that scenario is that do we want the trailer itself to be covered for things like theft, we cover for things like collision, other comprehensive losses, like maybe got hit by an animal, maybe you got struck by some hail. If you want coverage for the trailer itself, in those scenarios, we need to schedule the trailer. A lot of times when we scheduled the trailer or put the trailer on the policy when we're saying scheduling, that's all that means.

A lot of times the premium on that is pretty small, pretty insignificant.

And so everyone handles this differently. You know, some people just self-insure that trailer and they just take that risk on. But at the same time, I see a lot of people that go ahead and schedule that trailer, just to eliminate that chance of loss there. So I hope I cleared up any questions that you had about the trailer covered as we're pulling it, you've got further questions about this topic or anything else. Feel free to reach out to us anytime. Our number is 620-531-0261 or you can also find us on most social media platforms. Thank you for your time and have a good day.

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