Forum Discussion
Popsie
Jun 01, 2013Explorer
daverich wrote:One of my best friends owns an insurance agency. If insurance companies could deny your claim because you did something negligent, they would never pay a claim that was your fault (failed to stop at a red light, turned left in front of oncoming traffic, driving drunk and hit a tree, etc. etc.). And if you get hit with a lawsuit, the insurance company will have to pay (up to your liability limit -- which should be in the millions of dollars if you have any sense) -- and they will be defending you in court.
Will the DP stop it? Probably. HOWEVER, if you have an accident, realize not having a supplemental braking system is a good excuse for the insurance company to deny your claim. Also leaves another opening for a lawsuit because you did NOT do all you could have to be safe.
I can't even tell my toad is back there but I have a supplemental braking system to protect me from lawyers.
Does your auto or RV policy have language that calls for a specific exclusion of coverage regarding supplemental braking when towing? If so, please quote that policy section. My policies do not have that exclusion.
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