Generally, most auto insurers acknowledge that people tow small trailers with their vehicles. For example, one of the images of traditional Americana is the camping trip via the camper trailer or the fishing trip with the boat trailer. And in that respect, especially if the vehicle is the type that can tow, the risk is carried in the general language of the auto policy provided.
There are a couple of requirements that need to be met by a Rochester Hills, MI car owner. First, the trailer used needs to be licensed and valid if used on public roads. This allows the insurer to see reference and see the trailer in the state DMV records to verify it’s load type. Second, the drivers needs to obey traffic laws involved. Traveling with a trailer often involves driving at slower speeds and staying in the right lane on a highway. DMV manuals in every state spell out these rules for drivers. Third, a car’s hitch and equipment need to be used properly. However, not every insurance policy or car is automatically covered. For example, a compact should not be saddled with a hitch and expected to carry & tow a full extra-length boat trailer. It’s simply silly and extremely dangerous. It’s also very likely to cause an accident as well.
If you want to begin using a trailer on a regular basis in Rochester Hills, MI or the surrounding area, do yourself a favor and give Guy Hurley McNeil’s office a call. Not only can the staff there confirm exactly how trailers are covered, but they can also show you policies available that will provide coverage if yours doesn’t or your current insurer doesn’t want to handle trailers at all. But don’t find out the hard way after an accident. Call Guy Hurley McNeil first and drive safe!