Does my car insurance cover a trailer?

If you are pulling a trailer and damage someone else’s property then your liability coverage may pick up the cost, but usually your own insurance doesn’t cover damage to the trailer. You would only be covered if you had comprehensive or collision insurance that specifically covered the trailer. That would protect you if your trailer was stolen (comprehensive) or damaged in an accident (collision). Before deciding to pull a trailer, you should talk to your insurance agent to ensure that you’re insured.
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