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Trailer Insurance

We all know how important it is to keep our vehicles insured—in fact, except for New Hampshire, having auto liability coverage is required by state law. However, that car insurance coverage doesn't always extend to trailers being towed behind your vehicle, so trailer insurance can be used to fill this gap.

Having this form of insurance is more useful than people may realize. According to a report by the National Highway Traffic Safety Administration, rear-end collisions are the single most common type of crash and account for roughly 29% of all incidents. This means that trailers are exposed to a high degree of risk, especially when drivers can't effectively see vehicles in the lane behind them.

As a driver, you want to keep your vehicles and passengers safe. There's only so much you can do to prevent a collision, but with the right coverage plan, you can ensure that you're not going to find yourself paying out of pocket if a problem occurs.

Trailers Covered By Insurance

Most trailers can be insured, regardless of whether they're being used for private or commercial purposes. Exceptions to this are rare, and are generally limited to trailers that are considered too high-risk to insure. If you're unsure whether your trailer qualifies for coverage, call Ludwig & Fawcett, Inc. and ask for more information.

Trailer types that are usually covered include:

  • Horse trailers
  • Camping trailers
  • Car trailers
  • Boat trailers
  • Cargo trailers
  • Bicycle trailers
  • Semi-trailers
  • ...and many others

What's Covered

Most plans for trailer insurance include, but do not require, all of the following:

  • Liability Coverage: This form of insurance covers costs associated with property damage or bodily injury done to other people. Your existing vehicle liability coverage may or may not extend to your trailer—if not, this will need to be purchased separately or added to the main coverage.
  • Collision Coverage: If your trailer is damaged during a collision, this policy can help pay for repairs (regardless of whether or not you're at fault).
  • Comprehensive Coverage: This part of trailer insurance deals with damage to the trailer. Damage can come from many different sources. Fire, severe weather, vandalism, and water damage are among the most common uses for this coverage.
  • Contents Coverage: If your trailer is being used to carry and store personal items (clothes, furniture, etc.), this policy can help replace them in the event they're stolen, damaged, or destroyed. For especially large shipments, you might consider cargo and freight insurance.

Please be aware that trailer insurance is not the same as commercial trailer insurance, which is designed for vehicles being used for business purposes (including the transport of products) and covers different liabilities.

If you have a trailer that needs insurance, call Ludwig & Fawcett, Inc. today to find out the specifics of the coverage and begin protecting your investment.

 

1. "Compulsory Auto/Uninsured Motorists." III. April 2016. Accessed April 18, 2016. http://www.iii.org/issue-update/compulsory-auto-uninsured-motorists.

2. "Analyses of Rear-End Crashes and Near-Crashes in the 100-Car Naturalistic Driving Study to Support Rear-Signaling Countermeasure Development." Naturalistic Driving Studies | National Highway Traffic Safety Administration (NHTSA). 2007. Accessed April 18, 2016. http://www.nhtsa.gov/DOT/NHTSA/NRD/Multimedia/PDFs/Crash Avoidance/2007/Analyses of Rear-End Crashes and Near-Crashes (DOT HS 810 846).pdf.

3. "Commercial Trailer Insurance | DMV.org." DMV.org. Accessed April 18, 2016. http://www.dmv.org/insurance/types-of-commercial-trailers-to-insure.php.

Our Location

Ludwig & Fawcett, Inc.

100 W. El Camino Real, Ste 82
Mountain View, CA 94040
Main office: 650-466-6612
Fax: 650-962-8015

Our Providers

Testimonials

Very professional staff, and knowledgeable. I can rely on them for any questions regarding auto insurance and or renters insurance. Kelly and the other staff members are great at responding back to you. I am a long time customer and don't plan on leaving. I like there services and I don't feel like I'm talking to robot or some agent who doesn't care. I would definitely recommend them ask for Kelly, Maria, or Dave....all great at what they do!!!!

Ariel P. from San Jose, CA
I have been with this company for 10+ Years and have referred tons of friends, family and clients! They are the best! They always follow up to make sure that you have the best coverage that works for you. They are truly on your side!

Erika O. from Vallejo, CA
Every person needs three people in life: a great doctor, a great lawyer and a great Insurance Agent. Ludwig and Fawcett are by far the greatest insurer I have ever had. I met Dave Fawcett through a friend over 15 years ago and they will have my business as long as they here. The entire staff exhibits the highest level of personalized and professional service, always and without fail. They hold embody the nearly lost value of treating their clients like friends and family.

Tushar M. from Santa Fe, NM