Is our trailer and equipment covered under our auto insurance when attached to our parked truck during a hit-and-run incident?

UPDATED: Jul 25, 2012

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UPDATED: Jul 25, 2012Fact Checked

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 25, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

UPDATED: Jul 25, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

UPDATED: Jul 25, 2012Fact Checked

In auto insurance, trailers are automatically insured for liability coverage when being towed by an insured vehicle. In this case, the vehicle and trailer were parked. The truck damage, if there was some, is covered by your automobile insurance policy.In the case of the trailer, you need to have specific insurance on the trailer for it to be covered for damages. Some insurance companies will add the trailer to your insurance policy and some write a separate policy for the trailer. You should check with your insurance agent to see if you purchased insurance coverage on the trailer specifically. If there is no specific insurance on the trailer, then you would not have coverage.Hopefully you have reported the incident to the police. It would seem there would be some damage to the truck that caused the accident and they may be able to find the driver and charge him with a hit and run accident. You could then go after his insurance company for your damages.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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