It is summer time and we are hitting the roads, lakes, ponds, and some of us are going to horse shows. This means that we are pulling all sorts of trailers behind our vehicles.
If your trailer is being pulled by a vehicle on your Personal Auto Policy, liability coverage follows automatically. If you want to have Comprehensive or Collision Coverage for the trailer, there will be an additional charge. If your trailer is being pulled by a Commercial Auto Policy it must be added to that policy for the trailer to have liability coverage.
Before you take your trailer out on the road, there are a few things that should be checked. Below is a list of things that should be done:
– be sure that all running, brake, and directionals are working properly.
5. Grease and oil all hinge pins at least once a year so they do not bind.
– check that all floor boards and cross members that support the floor boards are not broken or cracked. If there are mats in the trailer, be sure to check underneath them.
7. Extra equipment
Chock blocks for when trailer is parked
Reflectors in case of a break down
Lug wrench that fits trailer lugs
If your tires have locks on them be sure to know where the key is kept
Jack or ramp/tire chock that works to lift trailer in case of a flat
If you are diligent on checking things on your trailer, it can have a long safe life.
If you're looking to insure the car you use to tow, check us out at www.agordon.com and contact us with any questions, or get a quote and see how much you can save with us. Learn about personal insurance here.