Utility trailers, such as are commonly used for hauling gravel or leading soil, usually do not jeopardize your insurance. They may be used without your getting any additional protection. If there is any doubt about regardless of whether a truck is a home trailer or perhaps a utility trailer, check with your own insurance company.
The next case, which usually came up within Texas, signifies the importance of trailers insurance.
Upon May Being unfaithful, 1999, a collision occurred over a TX highway about eight miles south of the city of Austin, between an automobile possessed and powered by Mike Brown, the plaintiff appellant, plus an automobile of David Jones. The Smith car was dragging a 1998-model ‘Rangerover’ two-wheel metal trailer, Twelve to 14 feet long. It was totally enclosed together a small screened-in window designed with Venetian blinds, as well as both a great outer doorway and display door in the side. Within, there was any bunk or perhaps cot, yet no facilities for cooking or even eating. A clip was equipped with separate gas brakes which would be managed from within the auto to which it was attached, and was explained on the Late 90s Florida sign up card like a house type body.
About April 13, 1999, the insurance company issued an automobile policy on his car.Under the proceeding, Exclusions, a policy contained conditions that it didn’t apply while the described official statement vehicle was ‘used with regard to towing of the trailer held or hired by the covered and not covered by like insurance coverage in the company.
The trailer wasn’t ‘covered by such as insurance inside the company. Following a accident, he or she brought a good action against him for damages brought on by the negligent operation of their car, and recovered the judgment in the sum of $5,Thousand .
The company refused liability on the ground that the policy did not include the car at the time of the accident, since it had been used for pulling a ‘home trailer’ within the meaning of anything.
The Determine approved this contention and also entered judgment for the company.
Other coverage exclusions. A policy does not apply:
To damage to property belonging to, rented in order to, in charge of or transported by the insured. The theory is that you cannot sue your self. While you are responsible for the property, it is just as though this were yours.
To injury to an employee of the insured while in the employ with the insured (besides in home-based employment).
To injury to a worker of the covered entitled to Workmen’s Payment benefits.
To a obligation under any Workmen’s Payment law.
Commitments assumed by the insured by contract or even agreement.
Even though the automobile is used as a general public or livery conveyance, such as a taxicab.