Quote:
Originally Posted by 4Fun
I talked with my Allstate agent and they are saying the liability stays with the trailer even if it detaches as long as it was a consistent motion. Ie: The car hits a bump and the trailer detaches and hits another car. Comprehensive and collision are not covered unless added.
They seem to contradict your experience. What company are you referring to?
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that is what the agent says, speak to a claims representative at the carrier directly (they are the ones that determine if coverage exists or not) I have been in the industry as an underwriter and agent for over 13 plus years specifically in transportation, I know not 20 or 30 but a long time. Policies read that "while attached," (or something around those words depending on carrier) it does not say "if it becomes detached." Insurance policies are written the same as legal documents and are interpreted as written, and not implied.
The reason it is covered while attached is because it becomes part of the vehicle at that point and extension of the vehicle if you will
While a carrier might do you a solid or to save face cover the claim, it is not covered in the policy directly, why else would they sell you the liability separately and allow you to list it on the policy by itself. I would bet my lively hood that if the claim was major and being sued for big bucks the carrier would decline the claim because it is not specifically covered in the auto policy, again unless you list it
sorry if I sounded snotty above, wasn't trying to be and did not know how else to write it