wing_zealot wrote:
DownTheAvenue wrote:
May I suggest you take off your rose colored glasses. I understand you are asking about the nuances of renting a truck from Enterprise, but this is valuable information. Virtually without exception any insurance you have on the trailer covers it while parked. While being towed, the insurance of the tow vehicle extends to the trailer. Almost without exception, a rental vehicle insurance will not extend to a trailer unless a specific rider is purchased insuring the trailer while being towed. Think what you want, and I wish you the best, but USAA, Progressive, or any other insurance company will with almost complete certainty cover the trailer as outlined above.
May I suggest you rachet it down a notch. I can tell you for fact my Progressive policy covers both collision and comprehensive, parked or towed. The OP could know what he is talking about while you seem to have some notion you know what kind of insurance the OP has, and he ain't even asking about insurance.
Dear Mr. Wing Zealot:
While standard insurance coverage varies in different states, your policy covering your vehicle and covering your trailer while it is connected to that vehicle is a standard. What is not standard is how a policy will treat an owned trailer attached to a rental vehicle. Most policies extend coverage to rental vehicles to the extent that the rental company does not cover. In other words, the rental company's policy will be primary, and the person renting the vehicle insurance will be secondary. Most policies will be silent on this issue, and case law in most states then would say if no mention in policy then no coverage.
You should know that as an attorney, I read case law from around the country almost daily. While now retired, I still enjoy reading Court decisions on various issues, so I pretty much know what I am talking about.
My concern is the OP could very well be uninsured while thinking he was insured. As he articulated, his belief on being insured was apparently based on the fact that the rental company and he both had the same insurance carrier. That does not automatically guarantee coverage.
The great thing about this forum is people's ability to get valid information and member's actually caring about each other. Too bad that is lost on you.
