A pull-behind trailer is almost like an extension of your vehicle, so it might seem logical that your auto insurance in Brooklyn, NY would cover it. However, the situation is more complex. Whether your trailer is covered often depends on the insurance company and the type of trailer you own.
Extended Liability
Most insurance companies extend liability coverage to a pull-behind trailer in case of an accident. However, they may not provide comprehensive or collision coverage for the trailer. To determine whether your trailer has liability coverage while on the road, contact an agent at Access Legacy Insurance Group.
Weight Limit
Many insurance companies impose weight limits when it comes to trailer coverage, including liability. These limits are designed to ensure coverage is only extended to basic trailers. The specific weight limit varies by company, so it’s important to check with your provider.
Add-Ons
Depending on your insurance policy, you may be able to purchase add-ons for your trailer. For example, roadside assistance may be available in certain situations. While some companies may not offer services like changing a trailer tire, they may still provide towing to the nearest mechanic if you experience a breakdown.
Trailer Insurance
If you use your trailer more than a few times a year, it’s often recommended to obtain specialized trailer insurance. These policies can offer comprehensive coverage, ensuring that damage to your trailer is covered. They also provide higher property damage limits to cover items stored on the trailer.
An agent at Access Legacy Insurance Group can help you understand your policy and whether it extends to your trailer. Contact us today for more information. We proudly serve the Brooklyn, NY area.
