Will insurance cover this?

Question

Ok I am drawing a blank on this, and whats sad is I should know this answer. We have a travel trailer, our travel trailer policy covers for comp but not collision cause we were at a permanent lot, but this weekend we had to move it cause of changes being made to the lot. We didn't call ahead to add collision coverage, but while moving the trailer out, my hubby hit the water line and electrical box at the resort, causing the lines to break and a big dent in our travel trailer. I am thinking that the travel trailer insurance won't cover it, but will it be covered under our auto since our auto was covered under another policy and was pulling the trailer at the time? It is a 37 foot camper and we have collision coverage on our vehicle. It would at least cover the liability for the resort right? Thanks.

Answer 1

First you need to read BOTH your travel tailer policy AND your auto policy. Read the sections for liability and collision under each, as well as the exclusion section for each coverage.
Guaranteed your comp coverage on the travel trailer will not apply.

Second any questions you have about coverage should be answered by the CLAIMS department, NEVER your agent--they don't know the answers primarily because they do not pay the claims nor are they aware of insurance law, they just sell policies. Their answer is generally "Oh don't worry it's covered," which only causes undue stress on you when you find out something ISN'T covered. When you ask the question to CLAIMS, unless you plan on filing an actual claim, always pose it as a HYPOTHETICAL as most states DOI require whenever notice of claim is received they are required, whether you like it or not, to open a claim under your policy.

THIRD, and this may be your best option, is to file a claim with BOTH policies and let the claims department investigate the situation and determine applicable coverages. They are the experts and if this is a situation of dual coverage they will work it out with involved carriers.

The most general answer I can give you: if your auto policy does not list attached trailers as an exclusion under your LIABILITY coverage then you should be fine. Same with the collision portion of the policy. If your travel trailer policy has liability, that would be your primary coverage and your auto policy would pay secondary.

Answer 2

If you have no collision coverage on the trailer, I'm afraid you're out of luck. Coverage does not extend from your auto to the trailer when it comes to comp and collision. The liability coverage, on the other hand, should not be a problem. You should be OK to fix the water line and electrical box. Good luck.

Answer 3

The damage to the water line & electrical box that you hit, should be covered under your auto policy, the liability section.

The damage to your trailer will NOT be covered under the auto policy.

Answer 4

the liability from your auto will extend to the Trailer to repair the damages you caused but you do not have coverage for the damage to your trailer, as it should have carried it's own coverage

Answer 5

You cannot be liable for damage to yourself(your camper). However, call your agent because the damages you caused to the resort should be covered by the auto liability.

Answer 6

the universal HO-3 coverage does conceal belongings of others on the premises who're on the topic of the insured. do not discuss with the agent anymore, document a declare rapidly with Farm Bureau. in the event that they use a non-universal belongings vendors coverage style and for this reason deny coverage have them cite the coverage exclusion quite. you assert you're presently transferring. Do you nonetheless have your guy or woman belongings vendors coverage? that should be a plan B to pursue, if needed.

Answer 7

i THINK auto will cover it since it was hooked to your vehicle and was moving when the accident occured.