DownTheAvenue wrote:
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.
again not to be rude my question was about the physical rental of the trucks nothing about insurance! I have my answers now that I spoke with enterprise about the rules using there truck for towing so again I will now help those in need of this information they charge a $15 daily fee for towing capable trucks and they have intergrade brake controllers! As far as the insurance that was not a question I asked but I did take care of that with my options while taking to the local enterprise rep! They will verify coverage with my insurance carrier before they allow me to leave with their truck I I don't purchace their insurance. Again why is insurance the main topic here when it was not the subject of my question do I have to disclose ever aspect of my situation. Wait I'm not going to be a ass and post something overly sarcastic even though I really want to! Thanks for everyone that understood my question and provided me relevant feedback for the other comments well I guess to prevent further misunderstandings About experience renting a truck and how they deal with towing I will be sure to mention every other aspect of the situation is either covered or being worked on elsewhere including insurance laws
