Say that I am towing my friend's new travel trailer with my pickup and hit a low hanging tree limb and destroy the trailer's electric awning. Whose insurance pays, minus the deductible, of course. ...
That is a good question! I agree with OB, you are responsible for damage you caused. I doubt that even with full coverage on your own trailer, that your ins would pay for damage while towing another persons trailer.
Interesting subject, as this could happen to anyone.