Shouldn’t your comp coverage take care of a boat trailer attached to your vehicle that was stolen?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Oct 3, 2010

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Insurance Question from Eden Isle, AR

Asked on 10/03/2010

Shouldn’t your comp coverage take care of a boat trailer attached to your vehicle that was stolen? My husband was on the boat, had parked his truck with the boat trailer attached to the truck and the trailer was stolen and the wiring attachment was ripped off the bumper of the truck. Your comprehensive coverage, that includes coverage for theft, should cover the stolen boat trailer, since it was attached to the truck at the time of the theft. Correct?

Answer given on October 10, 2010

Comprehensive coverage on the auto policy covers the auto in question.  It does not cover an item that may be attached to the vehicle.  Since you have a boat trailer, I presume you have a boat.  The boat policy generally includes coverage for the trailer.  The trailer usually has a lower deductible than the boat, and the policy will pay for the stolen trailer, less that deductible.  The auto policy should pay for any wiring damage to the truck, less the comprehensive deductible.  I recommend that you speak with your agent to review the coverages for the boat, trailer and truck so you can be sure to be properly compensated.  However, if you have no boat or trailer insurance, the auto policy will not pay for the stolen trailer, even though it was attached to the truck.

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