Virginia offers residents and visitors every amenity available. From skiing and snowboarding trails to picturesque mountains and ocean front retreats, Virginia has it all. With such a vast array of outdoor activities, many families own their own trailers in order to enjoy the outdoors. One way to make sure you stay safe and protected on the road is with a trailer insurance policy. And getting reliable quotes is important before you buy your trailer insurance coverage.
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Trailer and Towing Statistics in Virginia
- Since 1975, 121 people have died in accidents involving trailers.
- Since 1988, 3,694 people have suffered injuries in accidents involving trailers, costing more than $18.4 million.
- Property damage due to trailer accidents has totaled more than $13 million.
Towing a trailer increases your chances of a towing-related accident, whether it's from speeding, losing control or even a simple tire blowout. It's important to familiarize yourself with your vehicle's owner manual, as it has guidelines for towing, as well as special considerations for staying safe while on the road.
Once you've purchased a trailer, have made sure you know how to use it correctly and have registered it with the state of VA, you may realize that your auto insurance policy and homeowners insurance policy may not cover your trailer or its contents. Since what you're towing is most likely valuable, getting trailer insurance quotes and purchasing trailer insurance before hitting the road is a wise idea.
You Can Insure Any Type of Trailer in Virginia
Insurance companies will insure all types of trailers. Here are just a few of the types of trailers that you can get quotes for:
- Livestock trailers
- Boat trailers
- Cargo trailers
- Enclosed trailers
- Utility trailers
- ATV/Snowmobile trailers
- Boat/Watercraft trailers
- Camping trailers
- Farm trailers
- Motorcycle trailers
- Custom trailers
- Commercial trailers
Since there are so many types of trailers on the road, having insurance that's suited to your trailer is the perfect way to have peace of mind when towing.
What Does Trailer Insurance Cover?
Trailer insurance can cover as much or as little as you need. Here are a few of the most typical types of trailer insurance:
- Property damage: If your trailer is at fault for an accident involving another party's property, your property damage coverage will pay for the damage.
- Bodily injury: If someone suffers injuries because of your trailer, this insurance will cover the injured person's medical expenses.
- Legal costs: We are a litigious society. If someone sues you over an accident or incident involving your trailer, this coverage will pay your legal costs.
- Collision: If a collision results in damage to your trailer, this coverage will help pay to repair your trailer.
- Contents coverage: From horses to home goods, you want to be sure that you will have protection on the trailer's contents if you're involved in an accident.
- Roadside assistance: If you get a flat tire or have a mechanical issue while towing, this coverage can help you get back on the road.
- Comprehensive or "other than collision": If vandalism, hailstorm or arson results in damage to your trailer, this coverage will repair the trailer.
- Total loss coverage: If your trailer is a complete loss and you have total loss coverage, this coverage will provide for reimbursement of the total purchase price of your trailer.
- Water damage: Many insurance policies will not cover water damage – one of the biggest destroyers of trailers. You may be able to get water damage for your trailer, so be sure to ask about it when getting a quote.
Is Trailer Insurance Required in Virginia?
Some states are beginning to require trailer insurance, since auto insurance policies may not cover trailers. While Virginia does not require trailer insurance, if you secured a loan to purchase your trailer, your lender may require you to have coverage in place until the loan is paid.
If you use the trailer for commercial purposes, such as hauling items for others or hauling equipment for work purposes, you may be legally required to have coverage for the trailer and its contents.
How Much Will Trailer Insurance Quotes Be?
When getting trailer insurance quotes, it's important to know your trailer. Be sure to have the following information ready in order to get the most accurate trailer insurance quotes:
- Trailer make/model
- Trailer age
- Trailer length
- What you will be towing
- Value of what you will be towing
- Length of trips while using the trailer
- Where the trailer will be stored
- Preferred deductible
- Preferred coverage limits
- Whether you will use the trailer for commercial purposes
Insurance companies will consider each of these factors when they give you trailer insurance quotes, so be sure to make yourself familiar with this information before getting quotes.
Getting Trailer Insurance in Virginia Is Easy
No matter what you tow, having the proper insurance coverage is vital to your safety. When considering trailer insurance quotes, a Trusted Choice® agent is always available to help you navigate through confusing insurance terminology. A Trusted Choice agent can also suggest coverage, answer questions and even help you file a claim.
Contact a local Trusted Choice agent for more information on getting your trailer covered.