If a truck is connected to a camper,their is full coverage on the truck both are totaled is the camper covered? (in the state of arkansas)

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 30, 2011

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Insurance Question from Benton, AR

Asked on 10/30/2011

If a truck is connected to a camper,their is full coverage on the truck both are totaled is the camper covered? (in the state of arkansas) I-30 between the on ramp at the 114 and exit 116. Accident made the front page of the arkansas news section of the democrat gazette. I-30 was shut down for 4.5 hours it took 3 flat beds to remove camper and truck with the frame of the trailer still attached to the truck.We had to drive 40 miles one way to rent a tractor with a front bucket and trailer by the time I-30 was opened we had to set with the camper debri until the tractor came to reload everything that was removed from the accident to open i-30 as quickly as possiable. It took 3 rollbacks and 2 trailers to remove all the debri .

Answer given on November 01, 2011

Auto insurance provides automatic coverage for a trailer on a liability basis while the trailer is being towed by a vehicle on the road. If the truck has collision coverage under the insurance policy, then it will be covered, less the deductible. However, the trailer would not be covered unless specific insurance is purchased on the trailer.Insurance companies can insure the trailer in various ways. Some add it to the automobile policy for collision damage with a separate deductible. Some other insurance companies write a separate policy for the trailer, again with a separate deductible. If you have insurance on the trailer, it will be covered as a part of the loss. You should talk to your agent or insurance ocmpany and see if you purchased coverage for the trailer for physical damage. If not, there will be no coverage for the trailer in this incident.

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