Utility trailers, such as are commonly used for hauling pea gravel or leading soil, usually do not jeopardize your own insurance. They could be used without your getting any additional insurance coverage. If there is question about whether a trailers is a house trailer or even a utility trailers, check with the insurance company.
These case, that came up in Texas, indicates the importance of trailers insurance.
On May Being unfaithful, 1999, a collision occurred over a TX interstate about 9 miles to the south of the town of Austin, in between an automobile owned and driven by Mike Brown, the particular plaintiff appellant, plus an automobile owned by David Cruz. The Smith car was dragging a 1998-model ‘Rangerover’ two-wheel metallic trailer, A dozen to Fourteen feet in total. It was totally enclosed together a small screened window built with Venetian blinds, and both a good outer door and display door in the side. Inside, there was a bunk or perhaps cot, yet no services for cooking or even eating. The trailer was built with separate gas brakes which may be operated from within the auto to which it was attached, as well as was explained on the 1999 Florida enrollment card being a house type body.
About April Thirteen, 1999, the insurer issued an automobile policy on his vehicle.Under the proceeding, Exclusions, the insurance policy contained conditions that it failed to apply as the described link car was ‘used with regard to towing of the trailer possessed or hired by the covered and not included in like insurance policy in the company.
The trailer wasn’t ‘covered by just like insurance within the company. Pursuing the accident, he brought a great action against him for damages caused by the negligent functioning of his car, and recovered any judgment in the sum of $5,500 .
The company refused liability on the ground that the coverage did not cover the car at the time of the accident, since it had been used for pulling a ‘home trailer’ inside meaning of the contract.
The Assess approved this contention as well as entered view for the company.
Other coverage exclusions. A policy does not apply:
To damage in order to property of, rented to be able to, in charge of or transported through the insured. The idea is that you can’t sue yourself. While you are in charge of the property, it’s just as though this were your own.
To problems for an employee with the insured within the employ from the insured (apart from in household employment).
To injury to a worker of the covered entitled to Workmen’s Payment benefits.
To a obligation beneath any Workmen’s Payment law.
Responsibilities assumed through the insured through contract or perhaps agreement.
Even though the automobile can be used as a public or livery conveyance, for instance a taxicab.