Liability
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. ...
Forum Discussion
I don't know the answer to your question but if it were me I would ask both insurance agents about the situation before submitting any claims and possibility increasing insurance rates. They should be able to advise about the coverage and how best to proceed. If filing a claim would increase the rate be sure to ask about the amount of the increase and how long it would apply. The extra cost MAY offset the cost of the repair.
