Utility trailers, such as are commonly used for hauling pea gravel or best soil, usually do not jeopardize the insurance. They could be used without having your getting any additional protection. If there is question about whether a truck is a residence trailer or a utility trailer, check with your insurance company.
These case, that came up inside Texas, implies the importance of trailer insurance.
Upon May Nine, 1999, a collision occurred on the TX freeway about eight miles southern of the town of Austin, among an automobile possessed and driven by Jan Brown, the particular plaintiff appellant, and an automobile owned by David Jones. The Smith vehicle was dragging a 1998-model ‘Rangerover’ two-wheel steel trailer, Twelve to Fourteen feet in length. It was entirely enclosed together a small screened-in window designed with Venetian blinds, as well as both an outer front door and screen door in their side. Inside, there was any bunk or cot, but no amenities for cooking or perhaps eating. A clip was equipped with separate gas brakes which will be run from within the auto to which it was attached, as well as was explained on the 2000 Florida enrollment card being a house type body.
On April Thirteen, 1999, the insurance company issued a car policy about his car.Under the heading, Exclusions, a policy contained provisions that it failed to apply as the described additional reading automobile was ‘used with regard to towing of the trailer owned or hired by the insured and not included in like insurance in the organization.
The trailer wasn’t ‘covered by such as insurance in the company. Following the accident, this individual brought an action in opposition to him for damages caused by the negligent procedure of his / her car, as well as recovered any judgment within the sum of $5,000 .
The company rejected liability on the floor that the policy did not protect the car during the incident, since it had been used for pulling a ‘home trailer’ inside meaning of anything.
The Determine approved this contention and also entered judgment for the company.
Other plan exclusions. The insurance policy does not apply:
To damage in order to property of, rented to be able to, in charge of or even transported through the insured. The idea is that you cannot sue yourself. While you are in control of the property, it’s just as though that were yours.
To injury to an employee with the insured within the employ with the insured (besides in home-based employment).
To injury to a staff member of the covered entitled to Workmen’s Payment benefits.
For an obligation below any Workmen’s Payment law.
Obligations assumed through the insured simply by contract or agreement.
While the automobile is used as a general public or livery conveyance, such as a taxicab.