Need advice - Insurance while trailer in storage at Escape Industries - NJ Resident - Page 3 - Escape Trailer Owners Community

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Old 12-09-2015, 12:06 PM   #21
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I am missing something here, and even reread things. If you take possession when you send in the final payment, and insurance will only start then, why would you not be covered? Insurance companies from the US cover their clients in Canada all the time.

All I have ever done with any insurance, is to call my broker, give them the VIN, set my coverage, and I have the pink slip from them via email shortly. A paper one follows in the mail.
This is how our insurance dealt with our trailer, but they told "ichrisdr" that they don't insure in Canada, unlike our agent. We were told we were not insured in Mexico only. I think it depends on which agent you speak with on what response you receive. I don't understand this industry....
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Old 12-09-2015, 12:09 PM   #22
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I didn't even think that one would start insurance until the manufacturer delivered the product. Until they drop it on your hitch in WA it would seem it's their trailer. If the driver taking it to Sumas wrecked it's under the drivers policy. While it is a wonderful gesture, I was always wondering why ETI would take the liability of storing completed but undelivered trailers. At the minimum they should have attorney draft a storage agreement that spells out they are putting liability on the buyer if storing and you must maintain insurance. I'm not even sure that would release them completely from liability, but I'm not a lawyer or legal type.
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Old 12-09-2015, 12:16 PM   #23
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Originally Posted by Jim Bennett View Post
I am missing something here, and even reread things. If you take possession when you send in the final payment, and insurance will only start then, why would you not be covered? Insurance companies from the US cover their clients in Canada all the time.

All I have ever done with any insurance, is to call my broker, give them the VIN, set my coverage, and I have the pink slip from them via email shortly. A paper one follows in the mail.
I don't take possession until I physically pick it up in Washington. I own it but don't physically possess it when I make final payment. Once I have it attached to my truck then it is insured. I called my insurance company multiple times to make sure I wasn't missing anything.
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Old 12-09-2015, 12:19 PM   #24
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Have you discussed with ETI?
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Old 12-09-2015, 12:21 PM   #25
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Have you discussed with ETI?
See post #1
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Old 12-09-2015, 12:22 PM   #26
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Have you discussed with ETI?
Yup a couple of times and they told me to post the question on here. I'm going to call them back now.
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Old 12-09-2015, 12:23 PM   #27
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Originally Posted by ichrisdr View Post
I don't take possession until I physically pick it up in Washington. I own it but don't physically possess it when I make final payment. Once I have it attached to my truck then it is insured. I called my insurance company multiple times to make sure I wasn't missing anything.
Hi: ichrisdr... In our case the trailer was finished in Apr. and we picked it up in June. I let ETI use it for show and made final payment in person when we arrived to get it... pink Ins. slip in hand!!! Alf
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Old 12-09-2015, 12:26 PM   #28
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Quote:
Originally Posted by ichrisdr View Post
I don't take possession until I physically pick it up in Washington. I own it but don't physically possess it when I make final payment. Once I have it attached to my truck then it is insured. I called my insurance company multiple times to make sure I wasn't missing anything.
Hmmm. When sought insurance, we found some carriers insured the trailer as a part of our truck. So, if our vehicle is detached from the trailer and something happens to our trailer, it won't be insured.

We purchased a policy that stands along and detached from our vehicle. This is way too confusing.

Let us know how this ends for you!
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Old 12-09-2015, 12:29 PM   #29
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The way I understand the insurance, it is covered under your auto/truck liability part since it is towed by that vehicle. If it becomes un attached and does damage your policy covers such. Separate comprehensive/theft covers damage to it while unattached. Just my .02$ worth.
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Old 12-09-2015, 12:43 PM   #30
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Depends on jurisdiction. I carry separate liability insurance ( $3 million ) on the trailer, and comprehensive, collision, etc.
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