Utility trailers, such as are commonly employed for hauling gravel or best soil, do not jeopardize the insurance. They may be used without having your buying any additional protection. If there is any doubt about whether a trailer is a house trailer or even a utility trailers, check with your insurance company.
The next case, that came up inside Texas, implies the importance of trailer insurance.
Upon May Being unfaithful, 1999, an accident occurred on the TX highway about eight miles southern of the city of Austin, among an automobile held and pushed by Sam Brown, the particular plaintiff appellant, plus an automobile belonging to David Smith. The Smith car was dragging a 1998-model ‘Rangerover’ two-wheel steel trailer, 12 to 18 feet in total. It was completely enclosed and had a small tested window designed with Venetian blinds, and both a great outer doorway and display door in the side. Within, there was any bunk or even cot, however no facilities for cooking or perhaps eating. A clip was designed with separate gas brakes which may be run from within the automobile to which it was attached, and was described on the 2000 Florida sign up card as a house sort body.
On April Tough luck, 1999, the insurance company issued an automobile policy upon his vehicle.Under the heading, Exclusions, a policy contained provisions that it didn’t apply even though the described check this out car was ‘used with regard to towing of any trailer owned or employed by the covered and not protected by like insurance policy in the business.
The trailer was not ‘covered by like insurance within the company. Following the accident, he brought a good action in opposition to him for damages due to the negligent functioning of his car, as well as recovered the judgment inside the sum of $5,500 .
The company refused liability on the floor that the policy did not protect the car during the incident, since it was being used for towing a ‘home trailer’ within the meaning of the contract.
The Judge approved this kind of contention as well as entered judgment for the organization.
Other policy exclusions. The insurance policy does not use:
To damage in order to property belonging to, rented in order to, in charge of or perhaps transported through the insured. The idea is that you can not sue your self. While you are responsible for the property, it is just as though that were the one you have.
To injury to an employee of the insured within the employ with the insured (apart from in home-based employment).
To be able to injury to an employee of the insured entitled to Workmen’s Settlement benefits.
To a obligation beneath any Workmen’s Compensation law.
Commitments assumed by the insured through contract or agreement.
While the automobile is utilized as a community or livery conveyance, such as a taxicab.