After buying a trailer, do you get insurance?

Question

We just bought a trailer that we will be using to take an dbring scaffoliding from and to work and I needed to know if we needed to get insurance on it or is it covered with the insurance the truck has?

Answer 1

That depends upon state law. I know from first-hand experience that in MA and CA, you need separate insurance on the trailer. However in TX you do not as long as the tow vehicle is insured. Check with your DMV. That's for liability only; for collision and comp you need separate coverage.

Answer 2

It's optional, but needs to be insured separately against damage. If you wreck the truck and trailer, you'd only be covered for the truck, so decide how much you're willing to risk for the premiums.

Trailer insurance is not too expensive, though. Our $5000 horse trailer is insured for $50 a year

Answer 3

In most cases, the trailer automatically has liability coverage stemming from the vehicle that is pulling it. However, if you want full coverage on the trailer, you will need to call your insurance company and have the trailer added on. Trailers are typically very cheap to insure. You'll need the make & model and the serial number and you'll need to tell them how much the trailer is worth (how much you paid for it).

Answer 4

It is covered for liability if being pulled by a truck that's insured. However, if it is damaged, it is not covered unless you add it to the policy and buy comp and collision. You need to check with your insurance company regarding whether you can even insure it.

Answer 5

The truck covers any damage you might do with the trailer but it doesn't cover damage to the trailer.

Coach

Answer 6

yes you get insurance after getting a trailer.

Answer 7

liability coverage follows the towing truck, (trailers don't do anything wrong by themselves), but material damage lines (comp & collision) must be put on the trailer itself.

Answer 8

beth has it right