Outdoor recreation and in-state travel are top activities for Tennessee residents and tourists alike. When it comes to enjoying the outdoors, many families and individuals use a trailer in order to get their belongings and cargo where they need to be. If you tow a trailer in TN, it's critical to have trailer insurance to protect your cargo and your loved ones in case of an unforeseen incident. The information below provides details on getting quotes and coverage for your trailer.
Tennessee Trailer Snapshot
- There are more than 27,000 accidents each year in Tennessee.
- Since 1975, there have been more than 527 accidents involving trailers in Tennessee.
- Since 1988, more than 15,000 people have suffered injuries in accidents involving trailers.
- Trailer accidents have cost more than $56 million in property damage.
State law does not require you to register utility trailers unless you will be traveling outside the state. However, you must register and title other types of trailers. One very important aspect of towing a trailer is knowing how to safely hook up, unhook and maneuver your trailer. Unfortunately, many drivers don't educate themselves before towing. As a result, everyday factors such as wind or short stops can end in an accident. Not all auto insurance policies cover trailers or the trailer's contents, so be sure you have trailer insurance.
What Is Trailer Insurance?
Trailer insurance is coverage for some of the most common incidents involving towing and trailer use. A typical trailer insurance policy may resemble the following:
- Liability coverage: If your trailer strikes another vehicle while you are using the trailer, it may cause extensive property damage and injuries. This can happen if the trailer separates from its towing vehicle; if you miscalculate the length of your trailer and strike another vehicle while changing lanes; or even if you cut a corner too close when driving on residential streets. Trailer liability coverage can provide compensation for any damage or injuries you cause to others, as well as any associated court costs and legal fees.
- Comprehensive coverage: Campers can be expensive. If you finance your trailer, you will most likely have to carry comprehensive insurance to protect your investment and the financing company's loan. This insurance covers everything other than collision.
- Contents coverage: Whether you're hauling a quad or a load of livestock, contents coverage can help cover whatever you're towing. This does not replace commercial coverage but can cover your personal items during transport.
- Roadside assistance coverage: Unfortunately, mechanical problems occur when using trailers. Whether it's a hitch problem or a flat tire, roadside assistance coverage can help you get the help you need.
- Branch collision coverage: This coverage protects you if your trailer sustains damage after colliding with a tree branch.
What Types of Trailers Can You Insure in Tennessee?
Insurance companies know that there are many types of trailers, each with a different use. Below is a list of the most common types of trailers that you can cover with trailer insurance in Tennessee:
- Utility trailers
- Motorcycle trailers
- ATV trailers
- Livestock trailers
- Camping trailers
- Enclosed trailers
- Farm trailers
- Open trailers
- Travel trailers
If you own a trailer other than one of these, speak with an agent in order to get specific coverage guidelines.
What You Need To Know About Getting Quotes
Every trailer owner faces individual risks. Insurance quotes will vary based on a number of factors. When it comes to deciding your individual rate quotes for trailer insurance, make sure you are aware of the following:
- Trailer make
- Trailer model
- Trailer age
- Trailer value
- Type of trailer
- Contents of trailer
- How often you will use the trailer
- Driving record
- Host vehicle details
- Whether trailer is owned/financed
Insurers factor all of the above when giving you quotes for trailer insurance to make sure you are sufficiently covered.
Special Considerations for Commercial Trailers
When it comes to trailer insurance, there are large, significant differences between personal trailer insurance and commercial trailer insurance. When you use your vehicle commercially, the law requires you to have commercial trailer insurance to cover your vehicle, trailer and the goods inside. This commercial coverage will help you cover events such as accidents, theft, damage, weather-related events, and arson.
How To Get Trailer Insurance in Tennessee
Trailer insurance can be confusing, so, getting the coverage you need to protect yourself and your cargo is important. An agent is always available to help you get quotes, discuss coverage options, suggest discounts and even help you file a claim.
Contact a local agent in your neighborhood for more information.