You should always purchase as much insurance as you can afford. However, I do not see where you can purchase 'uninsured/underinsured motorist' coverage nor 'medical payments' for your trailer. In fact, these coverages offer medical coverage for people in your own vehicle. 'Uninsured/underinsured motorist' coverage will only apply if the other party is at fault in the accident. 'Medical payments' will extend to its coverage for the named insured and family members if they are pedestrians struck by motor vehicles (that are designed for use mainly on public roads) or any type of trailer equipment. In fact, with 'medical payments,' there is no coverage for injuries while occupying an auto for business purposes, other than a private passenger auto, owned pickup or van, or a trailer used with one of these.

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