I asked about truck pulling a camper who pays the tow company?
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UPDATED: Nov 1, 2011
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Insurance Question from Benton, AR
Asked on 11/01/2011
I asked about truck pulling a camper who pays the tow company? I asked a question yesterday about an accident that happened on i-30 shutting i-30 down for hours. The insured told me the camper and the truck was covered both with full coverage. The insurance company is now telling me the towing and clean up will not be covered they only offered the tow company they were only covering the truck. I cant belive this would be right.
Answer given on November 03, 2011
If your trailer had full coverage, for collision damage, you will need to check the policy to see if there is any towing coverage for the trailer if it is involved in an accident. Trailer policies are not as comprehensive for trailers so there may be no coverage for the towing charge of the trailer.When you purchase insurance on anything, you should be sure you understand what is actually covered under the policy. Your agent or company should review the insurance policy with you so you are fully aware of what is covered. The clean up costs may be covered under the automobile policy, presuming the damage was caused by your truck and not just the trailer. It would be difficult to say all clean up costs were caused by the trailer, but there may be something that indicates this. Clean up should be covered under the property damage portion of the truck insurance. Talk to your agent and/or the insurance company to clarify why they are denying the clean up costs.
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