If a truck is connected to a camper,their is full coverage on the truck both are totaled is the camper covered? (in the state of arkansas)
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Oct 30, 2011
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Benton, AR
Asked on 10/30/2011
If a truck is connected to a camper,their is full coverage on the truck both are totaled is the camper covered? (in the state of arkansas) I-30 between the on ramp at the 114 and exit 116. Accident made the front page of the arkansas news section of the democrat gazette. I-30 was shut down for 4.5 hours it took 3 flat beds to remove camper and truck with the frame of the trailer still attached to the truck.We had to drive 40 miles one way to rent a tractor with a front bucket and trailer by the time I-30 was opened we had to set with the camper debri until the tractor came to reload everything that was removed from the accident to open i-30 as quickly as possiable. It took 3 rollbacks and 2 trailers to remove all the debri .
Answer given on November 01, 2011
Auto insurance provides automatic coverage for a trailer on a liability basis while the trailer is being towed by a vehicle on the road. If the truck has collision coverage under the insurance policy, then it will be covered, less the deductible. However, the trailer would not be covered unless specific insurance is purchased on the trailer.Insurance companies can insure the trailer in various ways. Some add it to the automobile policy for collision damage with a separate deductible. Some other insurance companies write a separate policy for the trailer, again with a separate deductible. If you have insurance on the trailer, it will be covered as a part of the loss. You should talk to your agent or insurance ocmpany and see if you purchased coverage for the trailer for physical damage. If not, there will be no coverage for the trailer in this incident.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.