Forum Discussion

CarpFishermanAn's avatar
Jul 23, 2014

Separate TT policy vs liabitlity on auto ins policy?

We bought our TT in March and have a Progressive policy on it (our auto policy, AAA, does not write for TT, only motorhomes). Our cars are with AAA because they are the cheapest & our renter's with Allstate because AAA does not write trailer or renters but now I am getting quotes to get it under one company.

One company said our TT would be under it's own policy "the deductible of $500 and the value of the trailer at $17,199, the premium is $300 for the year. The liability for it would extend from the auto insurance so there is no additional fee."

Now I don't want to say she doesn't know what she is talking about, but our policy w/Progressive just has everything in the trailer policy. Can anyone shed any light on this? Thanks!

Shari

23 Replies

  • I have everything thru Farmers Ins. The RV is added as a ryder. I pick the amount I want it covered for. Very inexpensive.
  • By law the liability of the tow vehicle extends to the trailer while towing. That coverage ends when the trailer is parked.
  • My question would be does TT have liability if tow vehicle is not connected. i.e. You aren't there and TT catches fire and burns neighbors rv down also.

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