Car Insurance Coverage Options
Utility trailers, including are commonly used for hauling gravel or top soil, usually do not jeopardize your own insurance. They could be used without having your buying any additional protection. If there is question about whether or not a trailer is a house trailer or even a utility trailers, check with your own insurance company.
The following case, which usually came up in Texas, indicates the importance of trailer insurance.
On May Being unfaithful, 1999, an accident occurred over a TX interstate about nine miles southern of the town of Austin, in between an automobile possessed and pushed by Sam Brown, the actual plaintiff appellant, plus an automobile owned by David Cruz. The Smith automobile was pulling a 1998-model ‘Rangerover’ two-wheel metallic trailer, A dozen to 14 feet long. It was entirely enclosed together a small tested window equipped with Venetian blinds, and both a good outer doorway and display screen door in their side. Inside, there was a bunk or even cot, but no amenities for cooking or eating. A clip was equipped with separate hydraulic brakes which will be operated from within the car to which it had been attached, and also was described on the 1999 Florida enrollment card being a house type body.
Upon April 13, 1999, the insurance company issued an automobile policy upon his vehicle.Under the heading, Exclusions, a policy contained conditions that it failed to apply even though the described weblink automobile was ‘used for towing of any trailer possessed or employed by the covered by insurance and not protected by like insurance policy in the organization.
The trailer wasn’t ‘covered by like insurance in the company. Pursuing the accident, this individual brought a great action against him for damages caused by the negligent functioning of his car, and recovered the judgment in the sum of $5,000 .
The company rejected liability on the floor that the policy did not cover the car during the time of the incident, since it had been used for towing a ‘home trailer’ inside the meaning of the contract.
Other policy exclusions. A policy does not utilize:
To damage in order to property of, rented in order to, in charge of or transported by the insured. The idea is that you can’t sue your self. While you are in charge of the property, it’s just as though that were yours.
To injury to an employee from the insured within the employ with the insured (apart from in domestic employment).
To injury to a worker of the covered by insurance entitled to Workmen’s Settlement benefits.
To a obligation under any Workmen’s Compensation law.
Responsibilities assumed from the insured by contract or agreement.
As the automobile can be used as a general public or livery conveyance, for instance a taxicab.