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Am I covered if my trailer hits my car?


A

Question: I was towing a small trailer. It came off the ball, but the chains were still connected, and it struck the back of my van. Is that a collision or comprehensive claim?  

Answer:  Your trailer collided with the back of your vehicle, thus any damage to your van would normally be covered by your van’s collision coverage, minus your deductible amount.

The claim would go under your collision coverage because this is the portion of your policy that pays when your vehicle hits, or is hit by, another vehicle or object. Comprehensive coverage is for damages that are a result of things that are other than collision: theft, fire, hail, wind or vandalism.

Your situation isn’t unlike owning two cars and having one hit the other. You can’t put either claim under your property damage liability coverage (since liability doesn't cover your own property), but you may be able to put the claims for each under each vehicle’s collision coverage.

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If your trailer were also damaged, then a claim would depend upon your specific car insurance policy and its interpretations. Coverage for trailers and related equipment varies.

In general, most car insurance policies extend your car's liability coverages (bodily injury and property damage) to a trailer when the trailer is being towed by your insured vehicle. However, your vehicle's own collision and comprehensive coverages usually won't extend to your trailer. Instead, you'd need to place these coverages on the trailer by listing it on your policy and paying an additional premium for the extra coverage.

Since state laws and auto insurance policies vary, you should review your policy and check with your car insurance company to see if since the trailer was attached to your vehicle at the time of the incident if it’s covered under your vehicle’s collision coverage or if you have additional coverage on the trailer that would cover the damage.

If the trailer was a rental, then again you’ll have to speak to your auto insurer to see if it’s covered. Some policies cover rentals while others don’t. If coverage isn’t extended to rental trailers, you would need to have purchased insurance coverage from the rental company to cover any physical damage the trailer sustained.

It's possible that your future auto insurance rates will rise due to you making a collision claim for your van. Likely your car insurance company will find that you were negligent in some manner, and that is why the trailer came off the ball and hit your van causing the damage. If rates do rise, shop around for car insurance and see if another insurer offers lower rates, even with claims on your record.

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