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- Collision coverage is key: If your towed trailer separates and strikes your vehicle, your car’s collision insurance generally covers the repairs.
- Liability extends to trailer damage you cause: Most auto policies extend liability protection to trailers you tow, covering damage or injuries to others.
- Trailer itself may not be covered: Standard auto policies often don’t cover physical damage to the trailer — a trailer endorsement or separate policy may be needed.
- Contents and cargo have gaps: Items in or on the trailer (like boats, ATVs) usually aren’t covered under your auto policy and may need separate protection.
- Rental trailers have special rules: If you’re towing a rented trailer, coverage may not apply unless explicitly included or purchased from the rental company.
When Marcus borrowed his brother’s trailer to haul lumber for a weekend project, he didn’t think twice about insurance. But as he backed into his driveway, a sharp turn sent the trailer jackknifing into the side of his SUV — leaving a deep dent and a big question: Who pays for this?
Like many drivers, Marcus assumed his auto policy had him covered in every direction. But when trailers get involved, coverage can get surprisingly murky. Understanding what your policy does — and doesn’t — protect before you hitch up can save you thousands.
What to expect after a trailer-related accident
If your trailer hits your own car, your vehicle’s damage would typically fall under your collision coverage. The trailer’s damage may not be covered unless you’ve added a specific endorsement. If the trailer causes injury or damage to someone else while in tow, your liability coverage usually applies.
Filing a collision claim for your own car could raise your premiums, depending on your insurer.
How trailer coverage works
Liability coverage generally follows the vehicle and includes damage caused by a trailer you’re towing. Collision coverage pays for damage to your own car if the trailer hits it.
Comprehensive coverage protects against non-collision events (like fire or theft) but may not extend to trailers unless specifically added. A trailer endorsement or separate policy is typically needed to cover physical damage to the trailer.
Practical steps before you tow
- Check your policy for trailer and collision coverage details.
- Add a trailer endorsement or separate policy if you want physical damage protection for the trailer.
- Review rental trailer insurance terms carefully.
- Insure valuable cargo separately if it isn’t automatically covered.
- Confirm your coverage with your insurance agent, especially for state-specific limits or trailer types.
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Frequently Asked Questions: Trailer towing accidents
Does my auto insurance cover the trailer itself?
Usually not. You’ll likely need a trailer endorsement or separate policy for physical damage coverage.
Is my cargo covered if the trailer hits something?
Cargo isn’t typically covered under your auto policy and may require separate protection.
What if someone else’s trailer hits my car?
If you’re not towing the trailer, standard liability and collision rules apply. Coverage will depend on fault, ownership, and policy details.
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