Does my auto insurance cover the trailer I am hauling?
In Georgia, the automotive insurance laws group trailers into two categories – the kind you drive and the kind you tow. You must purchase RV insurance, also known as trailer insurance, for your RV, but you might be able to get away with just your auto insurance if you use a towable trailer. Bingham Insurance Group serving Braselton, GA wants you to understand the difference so you don’t get caught without coverage.
RV vs. Towable Trailer
What’s the difference between an RV and a towable trailer? An RV falls into one of three categories:
- Class A,
- Class B,
- Class C.
A towable trailer doesn’t have a class designation. Many types of trailers fall into the towable category, including those for:
- Hauling horses,
- Towing hay,
- Hauling light equipment,
- Transporting camping equipment.
So, for a towable trailer, your auto insurance covers it. You might want to add some coverage for liability and/or property damage since it can cause more damage than just your car or truck.
Your auto insurance will cover an open-air trailer in Georgia. If you own a pop-up camper, even though you might tow it, since you can sleep in it, it typically needs its own policy. That means you’ll need an RV policy.
RV Policy Minimums
Buying the minimum insurance for an RV doesn’t differ from buying a policy for your car or truck. The state of Georgia requires the same minimums for RV coverage as for auto coverage.
Contact Bingham Insurance Group serving Braselton, GA for more information on your RV and auto policies. You might already have coverage for your trailer. You might need added coverage for your trailer. Either way, our insurance agency can help.