Many years ago, I discussed this with my insurer. The car and the trailer were considered one vehicle when connected. There was some indication of coverage in the event of accidental disconnect. The parallel was a ski rack that falls off your car and hits a following vehicle. Covered. So is cargo that falls out of the bed of your pick up truck. There was no coverage if the trailer was parked and rolled down hill into somebody or something, unless it was specifically listed on the policy. It's worth asking, if a boat falls off the trailer and there are injuries, which policy pays? And increase your Umbrella.
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