Utility trailers, for example are commonly useful for hauling tiny rocks or top soil, usually do not jeopardize your insurance. They can be used without your purchasing any additional insurance coverage. If there is question about whether or not a trailer is a residence trailer or perhaps a utility trailer, check with your own insurance company.
The following case, which came up within Texas, indicates the importance of truck insurance.
About May Nine, 1999, an accident occurred over a TX freeway about eight miles southern of the city of Austin, in between an automobile held and powered by Jan Brown, the plaintiff appellant, plus an automobile of David Jones. The Smith car was towing a 1998-model ‘Rangerover’ two-wheel metal trailer, Twelve to 14 feet in total. It was totally enclosed together a small screened window equipped with Venetian blinds, and both a good outer doorway and display screen door in their side. Inside, there was a bunk or perhaps cot, yet no services for cooking or perhaps eating. The trailer was designed with separate gas brakes which will be run from within the car to which it had been attached, as well as was explained on the 2000 Florida registration card as a house sort body.
About April 13, 1999, the insurance company issued a vehicle policy on his vehicle.Under the proceeding, Exclusions, the insurance policy contained procedures that it failed to apply as the described see car was ‘used for towing of any trailer possessed or chosen by the insured and not covered by like insurance coverage in the company.
The trailer was not ‘covered by such as insurance within the company. Following the accident, this individual brought a good action against him for damages due to the negligent functioning of their car, and also recovered any judgment inside the sum of $5,Thousand .
The company rejected liability on a lawn that the policy did not include the car at the time of the automobile accident, since it had been used for pulling a ‘home trailer’ inside the meaning of the agreement.
The Assess approved this contention as well as entered judgment for the organization.
Other plan exclusions. A policy does not use:
To damage in order to property of, rented to, in charge of or perhaps transported by the insured. The thought is that you can’t sue yourself. While you are in charge of the property, it is only as though this were yours.
To problems for an employee of the insured whilst in the employ of the insured (besides in domestic employment).
To injury to a staff member of the insured entitled to Workmen’s Payment benefits.
To a obligation below any Workmen’s Payment law.
Responsibilities assumed through the insured through contract or agreement.
While the automobile is utilized as a general public or livery conveyance, like a taxicab.