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Old 08-19-2014, 01:04 AM   #11
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Unless it falls on a thief while he's trying to steal it and then he sues you.
My point is that you get what you pay for. Insurance companies are not on your side.
If you have third party liability while connected to your tow vehicle, you don't have much insurance. Nothing in a collision, nothing if stolen, nothing if vandalized.
The insurance company is not your friend.
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Old 08-19-2014, 01:26 AM   #12
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Unless it falls on a thief while he's trying to steal it and then he sues you.


Quote:
Originally Posted by gbaglo View Post
My point is that you get what you pay for. Insurance companies are not on your side.
If you have third party liability while connected to your tow vehicle, you don't have much insurance. Nothing in a collision, nothing if stolen, nothing if vandalized.
The insurance company is not your friend.
Close... in a collision which is someone else's fault (the only kind I have ), they pay for my my losses... inclung the trailer, regardless of my coverage.

My current trailer is very old. Hundreds of dollars a year in insurance for protection from a small and unlikely loss makes no sense. A more valuable trailer likely calls for more coverage.
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Old 08-19-2014, 01:30 AM   #13
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All true.
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Old 08-19-2014, 01:52 AM   #14
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I'm just going to add my trailer to my auto insurance about 125 a year.
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Old 08-19-2014, 01:58 AM   #15
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I'm just going to add my trailer to my auto insurance about 125 a year.
So, my question would be, if I'm paying $350 or so for insurance, what am I getting? And, what are you getting for $125?

I am getting guaranteed replacement ( a new Escape trailer ) with a $250 deductible. $3million in third party liability. $5,000 personal property and travel interruption.
What ever you choose to do, just make sure you know what you are getting for what you are paying. If you are comfortable with that level of risk, then go for it.
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Old 08-19-2014, 02:25 AM   #16
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I insured it for the price I paid for it it is a 2012 the value will will decrease with age. Can't remember my deductible I think it is 250 or 500. My horse trailer is insured for about the same. I think what I'm paying is pretty standard for the US.
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Old 08-19-2014, 02:39 AM   #17
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But, insured it for what? Against theft, vandalism, collision? And, if the value decreases with age, how do they determine the value? Are they using Blue Book, where values are determined based on what a stick-built is worth ( since that is the common trailer that they have data on )?
Will they "total" the trailer and hand you a cheque for $4,000?
If my trailer disappeared or was totaled tomorrow, I will get a new 2015 Escape 17B with the same equipment.
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Old 08-19-2014, 03:03 AM   #18
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Yes I am insured for all of the above and yes I will not get new price for my trailer but I did buy it used. If it's totaled i will get replacement not as sweet a deal as yours but a good enough level of security for me. Since there is not a valid blue book for our trailers they are using my purchase price as value.
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