Utility trailers, for example are commonly used for hauling pea gravel or best soil, do not jeopardize your own insurance. They could be used with out your buying 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 your insurance company.
The following case, which came up inside Texas, indicates the importance of trailer insurance.
About May Nine, 1999, a collision occurred over a TX interstate about 9 miles to the south of the city of Austin, in between an automobile held and powered by Jan Brown, the plaintiff appellant, as well as an automobile belonging to David Cruz. The Smith car was dragging a 1998-model ‘Rangerover’ two-wheel metal trailer, Twelve to 18 feet long. It was totally enclosed together a small screened window designed with Venetian blinds, and also both an outer doorway and screen door in its side. Inside, there was any bunk or perhaps cot, however no amenities for cooking or perhaps eating. The trailer was designed with separate hydraulic brakes which will be managed from within the car to which it had been attached, as well as was explained on the Late 90s Florida registration card like a house sort body.
About April 13, 1999, the insurance company issued a vehicle policy upon his vehicle.Under the planning, Exclusions, a policy contained conditions that it failed to apply as the described his response vehicle was ‘used for towing of any trailer possessed or hired by the insured and not included in like insurance policy in the business.
The trailer had not been ‘covered by like insurance within the company. Following a accident, this individual brought a great action against him for damages caused by the negligent operation of his car, and recovered a judgment within the sum of $5,000 .
The company denied liability on the ground that the coverage did not cover the car during the accident, since it had been used for pulling a ‘home trailer’ inside the meaning of the agreement.
The Determine approved this particular contention and entered common sense for the business.
Other policy exclusions. The policy does not utilize:
To damage to property owned by, rented to, in charge of or transported through the insured. The idea is that you can not sue oneself. While you are in charge of the property, it is just as though this were yours.
To injury to an employee with the insured whilst in the employ with the insured (besides in household employment).
To injury to a staff member of the covered entitled to Workmen’s Compensation benefits.
To an obligation under any Workmen’s Compensation law.
Commitments assumed from the insured simply by contract or agreement.
Even though the automobile is utilized as a community or livery conveyance, like a taxicab.