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

UPDATED: Oct 3, 2010

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UPDATED: Oct 3, 2010Fact Checked

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Jeffrey Johnson

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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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UPDATED: Oct 3, 2010

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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.

UPDATED: Oct 3, 2010

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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.

UPDATED: Oct 3, 2010Fact Checked

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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Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

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.

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