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. ...
If I go on a public forum and ask a question, and gradually add information as it goes, then I fully expect several different answers/opinions/observations. However, on a matter such as this (concerning insurance) I think the best answers would be from an insurance carrier and that is where I would ask the question. Now, having stated that, I hope it works out for all concerned.