Do you have liability ins on your trailer ???

[Rich_Mar]

My 5er ins is due, of course it went up which included comp, coll, and liability. So I thought I'd get a couple of estimates. The first company I called (all major co's) asked why I had liability on a pull trailer? I answered that what I was told I needed at the time and I bought it. No, I'm not in the market for a bridge. By cutting out the liability my premium was cut in half with lower deductibles. Do you have liability on your pull trailer, and should I?? The new ins. co said the truck liability extends to the unit being pulled. Sounds right to me.

[starcraft69]

Full coverage at full replacement value. I do the same with my boat. Not very expensive for piece of mind

[captnjack]

wing_zealot wrote:
Remember, it's covered while it is connected. If you should suddenly be in an accident and it becomes unconnected and jacknifes across 3 lanes of heavy freeway traffic, you have no coverage for anything after it becomes not-connected.

Liability is usually included under Comprehensive coverage and includes things like hail damage, tornadoes, floods, etc.

Not sure if this was meant to be a serious post or not. If it becomes unconnected BECAUSE of the accident, any ensuing damages would be as a RESULT of the accident. Coverage would be in effect.
Your example is akin to an insurance company denying medical benefits because the treatment took place AFTER the accident!

[Puddles]

Hondavalk wrote:
I took out an umbrella liability policy with my insurance carrier that covers me for any liability for any lawsuit.

X2

[Hondavalk]

That's why I have insurance so I don't have to be afraid to just live life. Get two BS lawsuits filed against you in one year and you might view things differently. Knowing I'm covered makes it easy to sleep at night.

[Terryallan]

Lantley wrote:

Terryallan wrote:
I have Comp, and collision. TV provides the liability. and not really worried about being sued by someone scraping their knee in the TT. I wouldn't have the kind of low life person that would sue, IN my TT.
Ain't y'all got nothing else to worry about, other than your "friend" suing you. Cause if they do. they are NOT your friend.

As for IF it comes unhooked in an accident. It was hooked up when the accident started, and so whatever it hits is covered.


honestly guys. If I was as afraid as some of you seem to be. I'd just stay home.

What if your rig catches fire? As a result catches the neighbors rig catches on fire or the neighbors vehicle ignites. It is not that far fetched. RV fires happen fast.
The liability portion is not that expensive.
No one plans to need insurance:h

What if it don't? Again. Don't be afraid to just live life. After all. a plane would drop an engine on my head. Not that far fetched. I live under a jet way. But I don't stay awake at night worrying about it.

Next question. Why do y'all setup so close together??????

[fj12ryder]

Lantley wrote:

Terryallan wrote:
I have Comp, and collision. TV provides the liability. and not really worried about being sued by someone scraping their knee in the TT. I wouldn't have the kind of low life person that would sue, IN my TT.
Ain't y'all got nothing else to worry about, other than your "friend" suing you. Cause if they do. they are NOT your friend.

As for IF it comes unhooked in an accident. It was hooked up when the accident started, and so whatever it hits is covered.


honestly guys. If I was as afraid as some of you seem to be. I'd just stay home.

What if your rig catches fire? As a result catches the neighbors rig catches on fire or the neighbors vehicle ignites. It is not that far fetched. RV fires happen fast.
The liability portion is not that expensive.
No one plans to need insurance:h

I tend to agree a little bit, but OTOH you can't cover every contingency.

[Lantley]

Terryallan wrote:
I have Comp, and collision. TV provides the liability. and not really worried about being sued by someone scraping their knee in the TT. I wouldn't have the kind of low life person that would sue, IN my TT.
Ain't y'all got nothing else to worry about, other than your "friend" suing you. Cause if they do. they are NOT your friend.

As for IF it comes unhooked in an accident. It was hooked up when the accident started, and so whatever it hits is covered.


honestly guys. If I was as afraid as some of you seem to be. I'd just stay home.

What if your rig catches fire? As a result catches the neighbors rig catches on fire or the neighbors vehicle ignites. It is not that far fetched. RV fires happen fast.
The liability portion is not that expensive.
No one plans to need insurance:h

[Terryallan]

mileshuff wrote:

Terryallan wrote:
What if it don't. The world is full of what ifs.
If some drunk trips over my power cord, and hits his / her head on my TT. He / she better have their check book handy to pay the damages

True, what if. No need for insurance at all, car, home, life, etc. All just a bunch of what if's.

If someone hurts themselves tripping over your cord at a RV park, then the park itself is liable, not you. It's not your property.

Correct, and in truth. when my TT is unhooked. It has no liability insurance. It has the rest, because it is required. When it is paid off. I may drop that as well. After all. There comes a time when the cost of insurance evens out weighes the benefit.

[work2much]

We have riders on our auto policy. We also have an umbrella policy to cover our general liability for anything our legal system may contrive.

[mileshuff]

Terryallan wrote:
What if it don't. The world is full of what ifs.
If some drunk trips over my power cord, and hits his / her head on my TT. He / she better have their check book handy to pay the damages

True, what if. No need for insurance at all, car, home, life, etc. All just a bunch of what if's.

If someone hurts themselves tripping over your cord at a RV park, then the park itself is liable, not you. It's not your property.

[mtofell1]

Great discussion and a lot of things I didn't think about. I see a good Allstate "Mayhem" commercial in the making 🙂

One thought.... I've got to think the RV park has insurance to cover flying awnings and roll away trailers. Not to say that insurance company wouldn't come after you but at least there is some coverage. I'd have to think insurance is one of the big operating costs for an RV park.

[Terryallan]

mileshuff wrote:

Terryallan wrote:
As for IF it comes unhooked in an accident. It was hooked up when the accident started, and so whatever it hits is covered.

What if your chocks fail and your trailer rolls into another trailer?

What if it don't. The world is full of what ifs. Like what if the sky falls, What if my antenna jumps off the roof on some ones head, or what if someone sticks their head in my commode, what if a towel flies off the line and lands on a car winshield, what if. Life is too short to worry about stuff that just don't happen.
Can't tell you the last time I saw a TT come rolling thru the CG by itself. And to be honest. If some drunk trips over my power cord, and hits his / her head on my TT. He / she better have their check book handy to pay the damages

[mileshuff]

Terryallan wrote:
As for IF it comes unhooked in an accident. It was hooked up when the accident started, and so whatever it hits is covered.

What if your chocks fail and your trailer rolls into another trailer?

[lee_worsdell]

I pay 600 cnd to insure my 2014 rushmore, not much we can do about it. But if your in a wreck its covered to full value that I owe.