Utility trailers, including are commonly used for hauling pea gravel or best soil, do not jeopardize your own insurance. They could be used without having your getting any additional coverage. If there is any doubt about whether or not a trailer is a house trailer or even a utility truck, check with the insurance company.
These case, that came up within Texas, implies the importance of trailers insurance.
On May 9, 1999, a collision occurred over a TX highway about nine miles south of the capital of scotland- Austin, between an automobile possessed and driven by Mike Brown, the actual plaintiff appellant, as well as an automobile of David Jones. The Smith car was pulling a 1998-model ‘Rangerover’ two-wheel metal trailer, Twelve to 18 feet in length. It was totally enclosed and had a small screened-in window equipped with Venetian blinds, and also both an outer door and screen door in their side. Inside, there was a bunk or perhaps cot, but no facilities for cooking or eating. The trailer was designed with separate gas brakes which would be operated from within the auto to which it was attached, and also was referred to on the 1999 Florida enrollment card like a house kind body.
On April Tough luck, 1999, the insurance company issued a car policy on his car.Under the planning, Exclusions, a policy contained procedures that it failed to apply while the described according to this source vehicle was ‘used for towing of the trailer owned or employed by the covered and not covered by like insurance in the organization.
The trailer was not ‘covered by just like insurance in the company. Following a accident, this individual brought a good action towards him for damages due to the negligent operation of his car, and also recovered the judgment in the sum of $5,000 .
The company rejected liability on the ground that the plan did not cover the car during the accident, since it was being used for towing a ‘home trailer’ inside meaning of the agreement.
The Determine approved this kind of contention as well as entered judgment for the organization.
Other coverage exclusions. A policy does not use:
To damage to property owned by, rented to, in charge of or perhaps transported through the insured. The theory is that you cannot sue your self. While you are in control of the property, it’s just as though that were the one you have.
To trouble for an employee of the insured within the employ of the insured (other than in home-based employment).
To injury to an employee of the covered by insurance entitled to Workmen’s Settlement benefits.
For an obligation beneath any Workmen’s Settlement law.
Commitments assumed through the insured simply by contract or agreement.
As the automobile is used as a community or livery conveyance, such as a taxicab.