Utility trailers, including are commonly used for hauling gravel or top soil, usually do not jeopardize your insurance. They can be used without your purchasing any additional insurance coverage. If there is any doubt about whether a trailer is a residence trailer or perhaps a utility trailers, check with your insurance company.
The next case, which came up inside Texas, signifies the importance of trailer insurance.
About May Nine, 1999, an accident occurred on the TX freeway about nine miles to the south of the capital of scotland- Austin, in between an automobile possessed and pushed by Mike Brown, the particular plaintiff appellant, as well as an automobile of David Jones. The Smith car was dragging a 1998-model ‘Rangerover’ two-wheel metallic trailer, A dozen to 18 feet in total. It was totally enclosed and had a small tested window equipped with Venetian blinds, and also both an outer door and display screen door in the side. Within, there was the bunk or perhaps cot, yet no services for cooking or perhaps eating. A clip was built with separate hydraulic brakes which will be managed from within the automobile to which it had been attached, as well as was referred to on the 2000 Florida registration card being a house sort body.
About April Tough luck, 1999, the insurance company issued a vehicle policy upon his vehicle.Under the planning, Exclusions, a policy contained provisions that it didn’t apply while the described check this out vehicle was ‘used regarding towing of the trailer owned or employed by the covered and not protected by like insurance policy in the company.
The trailer was not ‘covered by like insurance in the company. Following a accident, he or she brought a great action in opposition to him for damages brought on by the negligent procedure of his / her car, and also recovered the judgment in the sum of $5,500 .
The company denied liability on the floor that the coverage did not protect the car during the incident, since it was being used for towing a ‘home trailer’ inside the meaning of the contract.
The Assess approved this contention as well as entered view for the organization.
Other plan exclusions. A policy does not apply:
To damage to be able to property of, rented in order to, in charge of or even transported from the insured. The thought is that you cannot sue yourself. While you are in charge of the property, it is only as though this were yours.
To injury to an employee from the insured while in the employ of the insured (apart from in home-based employment).
To injury to a worker of the insured entitled to Workmen’s Compensation benefits.
To an obligation under any Workmen’s Payment law.
Obligations assumed by the insured by contract or perhaps agreement.
While the automobile is utilized as a general public or livery conveyance, like a taxicab.