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
IBcarguy wrote:
I think that since it was your vehicle and you were driving, the insurance claim should fall under your insurance policy, unless some fine print gets them off the hook.
I will not argue the point. "Should" is a big word but apparently the insurance industry has determined that Liability (damage to others) extends from the truck to the trailer, but Comprehensive and Collision are unique to each unit. It did not matter to us and I was prepared to pay whatever was not covered under our policies.
What I learned is that "Should" is a matter of one person's judgement compared to another's. The fact is, even if we were towing the trailer with her vehicle, the trailer insurance would still be the one replacing the awning. This may not be the way it "Should" be, and I have paid many small claims out of my own pocket, but I let Progressive help with this one.
