Utility trailers, including are commonly used for hauling pea gravel or top soil, do not jeopardize your insurance. They may be used without your getting any additional protection. If there is any doubt about regardless of whether a truck is a house trailer or perhaps a utility trailers, check with the insurance company.
The following case, that came up in Texas, indicates the importance of trailers insurance.
On May 9, 1999, a collision occurred over a TX interstate about 9 miles to the south of the city of Austin, in between an automobile owned and driven by Jan Brown, the plaintiff appellant, plus an automobile owned by David Smith. The Smith car was pulling a 1998-model ‘Rangerover’ two-wheel metal trailer, A dozen to Fourteen feet in length. It was entirely enclosed coupled with a small screened window built with Venetian blinds, and also both a great outer front door and display screen door in the side. Within, there was a bunk or perhaps cot, yet no services for cooking or even eating. The trailer was equipped with separate hydraulic brakes which would be managed from within the automobile to which it had been attached, and also was described on the 1999 Florida enrollment card as a house kind body.
Upon April 13, 1999, the insurer issued an automobile policy about his vehicle.Under the planning, Exclusions, the insurance policy contained provisions that it failed to apply while the described right here automobile was ‘used for towing associated with a trailer possessed or hired by the covered by insurance and not included in like insurance policy in the organization.
The trailer was not ‘covered by just like insurance in the company. Following a accident, he or she brought a great action towards him for damages caused by the negligent functioning of his car, as well as recovered any judgment in the sum of $5,Thousand .
The company denied liability on a lawn that the coverage did not cover the car at the time of the automobile accident, since it had been used for pulling a ‘home trailer’ within the meaning of anything.
The Determine approved this contention and entered common sense for the business.
Other plan exclusions. The policy does not apply:
To damage to property of, rented in order to, in charge of or even transported from the insured. The theory is that you cannot sue oneself. While you are in charge of the property, it is just as though it were yours.
To trouble for an employee from the insured within the employ with the insured (apart from in home-based employment).
To injury to an employee of the insured entitled to Workmen’s Settlement benefits.
To a obligation beneath any Workmen’s Compensation law.
Obligations assumed through the insured by contract or agreement.
While the automobile is used as a public or livery conveyance, such as a taxicab.