Question
Does my insurance cover the damage to trailer even though I wasn't hauling it?
My granddaughter was hauling our horse trailer. She is not listed on my policy. The axle broke and caused damage to my trailer should my full coverage cover the damage even though I wasn't driving? I have full coverage on my horse trailer with my auto insurance.
Answer
The claim should be covered by your insurance company as long as your policy includes permissive use. Permissive use means that claims will be covered if you give someone (who doesn't drive the vehicle regularly or lives with you) permission to drive the vehicle. Keep in mind, when a claim is paid out on your policy, it will typically go onto your claims history report. It will most likely show as an at-fault accident and can impact your rates for up to five years. Good luck and if you have any questions, don't hesitate to ask.
Insurance is complicated, but it doesn't have to be.
The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.
Step 1: Tell us a little about yourself
Choose an insurance product and enter your zip code to get started. No phone number required.
Step 2: Sip your coffee while we find the best quotes
Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.
Step 3: Compare your quotes
Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.
Step 4: Let our agents do the hard work for you
Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.