Quote:
Originally Posted by Beau388
... Most insurance companies include dolly towing insurance but a significant number of insurance companies do not.
As for brakes, any towed object pulled by licensed vehicle requires supplemental braking if it exceeds a certain weight usually 1,500 or 3,000 lbs. There are a few states that have higher or no limits. ...
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...for insurance:
ANY trailer(which includes a tow dolly, a fifth-wheel RV, OR a towed car while not under it's own power),
is AUTOMATICALLY included for LIABILITY coverage under your TOW VEHICLES's insurance - with
ANY insurance policy you purchase from ANY insurance company.
Only the Comp/Coll coverage are 'elective', depending on whether you wish to have them on the trailer, or towed vehicle, or not.
It's easy to get Liability requirements confused with Comp and Collision electives.
...Brakes for towed trailers or towed vehicles:
NO states require them for EVERY trailer or towed vehicle. Only a FEW states require/suggest them IF the trailer or towed vehicle EXCEEDS a certain overall weight. This has nothing to do with the Tow Vehicle's size, length, or weight, though... only the Tow Vehicle's own GVCWR determines that limit.
...License Plates and Insurance: while some states require a separate and individual License Plate for a tow dolly trailer,
none require that the trailer has to have a 'policy coverage' line showing it as a separately insured item on your policy... it's only to register it as a separate 'wheeled' item on the road... no different from your personal 'utility trailer' for your lawn mower, etc. States understand that these 'trailers' are already 'automatically' insured under the primary power plant's(tow vehicle, RV, truck, etc) own insurance Liability coverage.
A trailer, fifth-wheel, utility trailer, or anything else you 'pull or tow' will only be listed on your insurance policy IF you elected to cover it for elective Comp and Collision coverage... you'll notice that 'Liability' is waived, or there is no 'premium' for Liability.
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