[DAVID GAGNARD]

Not to insult any insurance agents on this forum, but 95% of the agents DO NOT know what is in the policy they are selling you, they are salesmen, their job is to sell you something and that's what they do......when the have a coverage question they go straight to the adjuster and ask them if it is covered or not!!!!!!!!

My biggest pet peeve with agents: they tell people their trailer is covered when hooked to their truck and their truck insurance carries over to the trailer....well, that is a HALF-TRUTH....

Your truck liability carries over to the trailer meaning whatever damage your trailer does to someone else's property will be covered by your truck's liability,whatever damage is done to your trailer itself is NOT COVERED by your truck insurance.......trailers are considered like another auto,they have a VIN and license plate and must be insured separately to have coverage for the trailer itself!!!!!!!!!
When the owner tells me his agent SAID it's covered by the truck insurance I just politely tell him to call his agent and have him handle the claim and pay for the damages!!!!
Usually I get a call from the agent wanting to know why we are not paying for the trailer damage,then I explain it to him and the usual answer is and I quote: "I DIDN'T KNOW THAT"
Well, duh,it's your job to know what you are selling a client!!!!!!!!!!!

BTW: Trailer insurance is dirt cheap.....

David