So is insurance required for a utility trailer.
Does car insurance cover utility trailers. We Know Experience Matters. Personalise Your Cover To Suit Your Lifestyle Needs. With utility trailers there is the concern of the goods that they are carrying get damaged.
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Eligible trailers and vehicles are defined as utility trailers travel trailers and horse trailers that you own and are registered in your name. There are many different types of trailers varying widely in value from several hundred dollars to over 100000. The goods themselves are nor covered under the standard vehicle insurance.
Personalise Your Cover To Suit Your Lifestyle Needs. Some people use their utility trailer to haul. If it is a utility trailer with a car on it or a pleasure craft such as an ATV or watercraft than it likely will be extended coverage though you would need to check about coverage for the contents of the trailer.
While most auto insurance policies will cover liability coverage for a trailer you own if it is being pulled by the insured vehicle when an accident occurs this can vary among different policies and in different states. It does not cover damage caused to your trailer or its contents. The amount is normally up to about 500 in value but not all policies are exactly the same so you would need to check your policy or call your insurance.
Do utility trailers need insurance. Your standard liability coverage part of your PAP may cover your trailer but only if its considered eligible. Additionally factors such as the type of trailer being pulled and whether or not it is a rental will impact coverage.