West Virginia is home to hundreds of thousands of trailers of every shape and size. The right quotes on quality trailer insurance can help you protect your property from the cost of accidents, theft, vandalism, legal claims and breakdowns.
When you tow a boat trailer, toy hauler, utility trailer, flatbed or commercial trailer, you pose added risks to yourself and other drivers. Your chances of a collision increase and so does the potential fallout from an accident. Your auto insurance may cover some aspects of your trailer use, such as liability, but it usually does not cover damage to your trailer or to your cargo. Trailer insurance addresses the extra property damage and liability risks you face as a trailer owner so you can haul your cargo safely, with peace of mind.
The most common causes of truck and trailer accidents include the following:
Many West Virginia residents use trailers daily for errands around town, for chores, for farming and for recreation. If you use your trailer occasionally for business purposes, you may need to speak with an agent about commercial insurance. If you only haul your gear for private use, you can often add a trailer to your car insurance or get extra protection with a separate trailer insurance policy. Some of the most popular trailers for personal use include these:
If your policy lists the trailer, your auto insurance may cover the added liability risk of an accident that involves your trailer. However, car insurance often does not cover a trailer that is unhitched or stored. A local agent can help you determine what your policy covers and can give you quotes on extra trailer insurance if you need to add it to your coverage.
Trailer insurance provides comprehensive coverage that can protect you from the cost of storm damage, vandalism and, most importantly, theft. It is alarmingly easy for potential thieves to simply unhitch and drive away with your property while you camp, eat or swim. Trailer insurance can help pay for your loss. It can also cover runaway trailer damage, collisions, roadside assistance and liability, up to your policy limits.
If you own a small business in West Virginia, you may need to use a trailer on a daily basis or only occasionally. Many business owners tow equipment, make deliveries and transfer merchandise with the following:
If you use your trailer for business purposes, even rarely, you most likely need to cover it with commercial insurance. Towing for commercial purposes adds increased liability risk to your time on the road, as businesses are more likely to be the target of lawsuits than individuals are. An accident involving your trailer could lead to a serious lawsuit, large enough to threaten your livelihood. The extra coverage commercial trailer insurance provides can protect you from court costs and legal fees and keep you in business. Also, if your personal auto insurance covers your trailer, you may be insufficiently covered in case of damage that occurs during business use.
Commercial trailer insurance can cover property damage, collision, theft, vandalism and storage incidents. If you tow valuable merchandise or equipment, you can also purchase contents coverage for your trailer to protect yourself from theft, damage and loss of the important items you transport. An independent agent can get you quotes on coverage from several providers and can help you find the kind of commercial trailer insurance you need.
West Virginia law does not require that you purchase trailer insurance. You must title and register your trailer, however. If you own a small trailer, less than 2,000 pounds, you will receive a license plate that is good for three years. If your trailer is more than 2,000 pounds, you will receive a permanent license place.
Trailer insurance is a good idea if you use your trailer frequently in town or on busy public roads where accidents are more likely to happen. It is also advisable to purchase coverage if your trailer would be costly to replace, if you carry valuable items or if you use the trailer for commercial purposes. If you only tow on a ranch, farm or back roads for personal use, your auto and homeowners insurance policies may provide sufficient coverage. If you aren't certain whether you need trailer coverage, a local agent can speak with you about your usual towing practices and offer advice.
Compared with the cost of replacing a trailer or facing a lawsuit after a trailer accident, coverage is extremely reasonable. Most trailer owners will see quotes for a policy for less than $100 per year. If you use your trailer for commercial purposes, you may be quotes something closer to $200 to 300 per year. Your rates will depend on what type of trailer you own, what you tow, where you drive and what your driving record is. You can get quotes from several companies at once when you work with an independent insurance agent.
Comparison shopping is often the best way to find the coverage and rates you want for trailer insurance, but it can be very time consuming. You can save time and effort on your insurance search by contacting a local Trusted Choice® agent. Trusted Choice agents can compare coverage and quotes from many different insurance companies and find the policy that fits your needs at the best price.
Contact a local agent who knows state laws and requirements to get quotes on trailer insurance and other coverage you may need.