How many people who tow trailers think that uninsured motorist insurance covers your trailer when attached to your tow vehicle when in an accident?
When I signed up for insurance I asked the question: Will my trailer be covered if I am in an accident? Yes, is what I was told. I failed to understand that "Yes", meant for liability only. My bad. I had this clarified to me when I tried to submit a claim for a damaged trailer caused by an uninsured motorist.
Through my insurance company a trailer is not covered, and considered an exclusion. A trailer is only covered for collisions if you have additional insurance to cover it specifically. I also learned from my insurance carrier, that my vintage trailer is over 20 years old, that I would have to be underwritten by a separate company as an add on.
Disclaimers: There are different guidelines for the various insurance carriers, different levels of coverage, different exclusions, and depends on your region.
I still have a claims agent looking into my policy guidelines, and I get conflicting statements between, claims and sales. And one of the agents stated that for CA, uninsured motorists would cover at least $3500. Another agent of the same company says, no that is not true. So now I am confused, and waiting for a final coverage report.
I apologize for being long winded on this subject, but I hope my experience will prompt everyone to make sure they know what is covered and what is not covered under their own insurance policy. Especially for uninsured motorists.
Check your policy! Don't get caught in the same situation when someone damages your trailer.