Utility trailers, such as are commonly useful for hauling pea gravel or leading soil, don’t jeopardize your insurance. They could be used with out your buying any additional protection. If there is question about whether or not a trailer is a residence trailer or perhaps a utility truck, check with your insurance company.
These case, that came up within Texas, indicates the importance of trailer insurance.
Upon May Being unfaithful, 1999, a collision occurred on the TX freeway about nine miles southern of the capital of scotland- Austin, between an automobile owned and powered by Mike Brown, the actual plaintiff appellant, and an automobile belonging to David Cruz. The Smith car was pulling a 1998-model ‘Rangerover’ two-wheel steel trailer, A dozen to 14 feet long. It was completely enclosed together a small screened-in window designed with Venetian blinds, and both a great outer door and screen door in their side. Within, there was any bunk or perhaps cot, but no amenities for cooking or perhaps eating. A clip was designed with separate gas brakes which may be run from within the car to which it had been attached, and also was referred to on the 1999 Florida sign up card like a house kind body.
Upon April 13, 1999, the insurance company issued an automobile policy upon his vehicle.Under the heading, Exclusions, the policy contained conditions that it didn’t apply while the described do you agree vehicle was ‘used regarding towing of the trailer possessed or chosen by the covered by insurance and not included in like insurance policy in the business.
The trailer was not ‘covered by just like insurance in the company. Pursuing the accident, he or she brought an action in opposition to him for damages due to the negligent procedure of his car, as well as recovered a judgment in the sum of $5,000 .
The company refused liability on a lawn that the plan did not protect the car during the time of the incident, since it had been used for dragging a ‘home trailer’ inside the meaning of anything.
The Assess approved this kind of contention and entered common sense for the company.
Other coverage exclusions. A policy does not apply:
To damage in order to property of, rented to, in charge of or transported by the insured. The idea is that you can not sue yourself. While you are in charge of the property, it is just as though this were the one you have.
To injury to an employee of the insured while in the employ of the insured (besides in home-based employment).
To injury to a staff member of the insured entitled to Workmen’s Payment benefits.
To an obligation under any Workmen’s Compensation law.
Commitments assumed through the insured through contract or agreement.
Even though the automobile is utilized as a general public or livery conveyance, such as a taxicab.