Are You Covered?

April 10th, 2012   |   No Comments   |   Posted in Enclosed Trailers, Horse Trailers

In several past articles we have mentioned the necessary supplies of traveling while pulling a trailer.  From emergency and first aid kits to paperwork and other miscellaneous must-have items, Phoenix Coach Works’ main concern is that our customers and those who visit our site travel safely while still having a great time.

That said, even the most prepared and cautious travelers have been known to have bad experiences.  As the saying goes, “accidents happen,” and we would hate to see you left in the dark if something was ever to happen to you or your trailer.  For this reason we would like to take time this week to discuss trailer-towing regulation and insurance.

Whether you’re traveling to a horse competition, a fox-hunt gathering or a prestigious car show, the most important part of any trip is mapping your quest and preparing for the road ahead.  However, one thing that often goes overlooked while traveling interstate is the variance in towing laws.

Before we discuss these differences, let’s go over a few things that are an absolute must regardless of where you’re headed.  No matter where you travel, you WILL NEED taillights and a light for your license plate.  Though not required in every state the following items are just as important while pulling a horse trailer, toy hauler, custom trailer or recreation vehicle: safety chains, brake lights, clearance lights, turn-signals, reflectors and breakaway brakes.

While many states share similar requirements for people hauling trailers, some states may have different regulations that complicate traveling interstate.

For example, if you’re traveling from Alabama to Mississippi, you could suddenly be exceeding the maximum towing speed without even knowing (towing speed decreases by 10mph), you’re trailer may be too wide (maximum width narrows by 6 inches) and you may find yourself without trailer brakes in a state that requires them.

To avoid any of these mishaps, and the fines and penalties that go with them, be sure to always check the towing laws and regulations of the states you plan to travel through.  Doing so will not only keep you on track by avoiding any holdups, but it will also protect your pocketbook and driving record.

In the case that an accident does occur, you want to be absolutely certain that all damages to your trailer are fully covered when you bring it to Phoenix Coach Works for repair.  When you spend 10’s of thousands of dollars on a 4 horse trailer, you want the security of knowing that it is insured in the event that anything should happen. Enter…trailer insurance.

Just as individual states can complicate traveling with a trailer, auto insurance companies often do the same.  While some companies will cover liability and partial damages for a trailer accident that occurs while on the road, others will leave you to foot the entire bill for repair.  That is why you need to read your policy’s fine print and if you have any questions, call your customer service representative.

If it just so happens that there is limited or no guaranteed coverage for your trailer, it may be time to start looking for trailer insurance.  Even though some companies may cover trailer accidents that occur while towing, this does not protect you from natural disasters such as fire and flood.  Many companies that specialize in RV insurance also provide trailer insurance as well.  Not to mention that many major insurance companies offer additional coverage for trailers. Something else to consider is if something happens to your trailer while it is on your property, it may be covered by your homeowner’s insurance.

Lastly, once you have hashed out your insurance woes regarding your trailer, be sure to find out if any of your insurers have safety standards that must be followed to ensure your insurance.

As always, we hope that you have found this article both helpful and informative.  If you are currently in need of repair, custom construction or a difficult install please feel free to contact Phoenix Coach Works.  You may also contact us if you have any further questions regarding finding and obtaining trailer insurance.

And remember…in a time when it’s difficult to trust and rely on anyone, Phoenix Coach Works is here for you!

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