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.