By Jock Rottman

Within the trucking coverage industry, an important topic that I often bring up with my clients is trailer coverage. It can be a bit confusing, so let's clear up some misconceptions.

Here are the key points to understand:

• Liability Coverage: When your trailer is attached to your truck, the liability coverage from the truck extends to the trailer. This means that if the trailer causes damage to another vehicle or property, you're covered under your truck's liability insurance.
• Physical Damage Coverage: However, what you don't automatically get is physical damage coverage for the trailer itself. This means that if your trailer sustains damage or is involved in an accident, you may not be covered unless you specifically list the trailer on your policy.
• Listing Trailers: While the automatic liability coverage for attached trailers is convenient, listing your trailers on your policy ensures that they are fully covered in all scenarios. This is especially important in unlikely events such as a trailer becoming unhitched and causing damage or injury to property or person in the vicinity.
• Affordability and Convenience: Adding trailers to your policy for full coverage is typically affordable and straightforward. It provides peace of mind knowing that your trailers are protected in any situation.

If you're unsure about your trailer coverage or would like to discuss your options further, don't hesitate to call us at the Hummel Group. We're here to help you navigate the complexities of trucking insurance and ensure that you have the right coverage.