We have a older camper trailer that we pull behind a pickup.?

Question

Do we have to carry insurance on it like we do our vehicle?

Answer 1

Your vehicle liability insurance will normally extend to cover the camper while you are pulling it. If your trailer somehow causes damage to someone or jack-knifes and damages someone's vehicle or other property, then the insurance covering the pick up would pay the damages. If your camper is unhooked from your vehicle and somehow causes injury or damage then you have no coverage. I advise most of my clients with camper trailers to look at purchasing a policy from Foremost. They write policies specifically for camper trailers (amongst other things) which cover the liability whether being pulled by a vehicle or unhitched. The policies are not expensive either and they do give peace of mind.

Answer 2

This would depend on your state laws. Usually the liability coverage on the vehicle pulling the camper would extend to the camper. But like someone said before me, if the camper causes damage to someone or to property while NOT being pulled by the vehicle then there would be no coverage. She mentioned Foremost. I write for Foremost and she's exactly right. THe camper policies are not expensive and it might be worth it to protect yourself in the event of that one freak accident that might just happen to you!

Answer 3

Your agent would be the one to answer this, he'll know what you're state laws are. You could also read your auto policy, that should have the answer in it also. In Okla. liability from the pulling unit will extend to the trailer, so a seperate policy wouldn't be required, however, I don't believe that is true in every state.

Answer 4

Depends upon state law. From personal experience, MA requires liability on all trailers. TX does not, as long as it's listed on your auto policy, and there is no charge for the coverage.

Answer 5

i don't believe you need liability insurance on trailers.

Answer 6

Depends on what your state laws are.