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Old 06-14-2016, 09:43 PM   #7
kmessall
Junior Member
 
Brand: Thor Motor Coach
State: California
Posts: 5
THOR #4530
Liability & physical damage

I'm an insurance agent and it sounds like you got bad advice from the get-go. Since you can't drive a trailer, in almost all cases the liability coverage on the TV transfers to the trailer. So if you're going through a parking lot and your trailer clips another car you have coverage against the damage your trailer did to the other car, the same as if you had clipped the car with your TV.
BUT there is no coverage for the damage you caused to your trailer in this accident UNLESS you have a separate policy that covers physical damage to that trailer. If there is no physical damage coverage on the trailer then to get remedy for the damage to it you have to sue the person that damaged it - and that is you. And no court in the country will allow you to sue yourself or file claim against yourself - which is what you are asking your insurer to do.
So, in the case of your Coach running into and damaging your trailer, your only recourse is to sue yourself, and since you can't do that, insurance on the coach will not pay you for damaging your trailer. The reason your insurance carrier is not extending liability from the TV to the trailer in this case is because you own both, and coverage for the trailer was available to you. You didn't purchase the right coverage for your trailer, and your policy on the TV is not going to make up for that mistake by allowing you to file a claim against yourself.
So what is really important for all you to know is that NOTHING but its own policy will provide any physical damage coverage to your trailers. Your Towing Vehicle insurance policy will extend liability coverage to the trailer, but NO physical damage coverage. You must insure your trailer under its own policy, or add it to the policy for the TV if possible, in order for you to have any coverage for damage to or theft of the trailer.
Insurance agents are supposed to know this, so you may have a case to go after your agent's Errors and Omissions policy. But your lawyer for that will probably cost more than fixing the damage you did to yourself.
It's cold and not nice, but it's just business to your insurance company. I'm sorry you got stuck like this, but now you have an idea that you can't really trust your insurance agent, so maybe that's a bit of a silver lining and you should take a look at the auto, home and umbrella policy he sold you too...
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