What You Should Know
- You can get auto insurance for a car that you use for towing or hauling
- You may need to tell the insurance company what you intend to do
- You may also need to buy a separate plan to cover the trailer
When searching for affordable auto insurance, you may also ask: “Can I get auto insurance for a car that is used for towing or hauling?” We understand that the answer may not be immediately obvious, so we have asked the question for you and provided the answer below.
You Can Get Auto Insurance for a Car That You Use for Towing or Hauling
You will usually be able to get auto insurance for a car in this situation, but the terms and conditions may vary from one insurance company to the next. For example, you may need to inform the company ahead of time.
You may also need to refer to the small print of your policy to see if it will cover the value of the trailer and anything on top.
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Your Liability Cover Should Protect Others If You Cause Damage While Towing
Most states require you to have liability insurance for a vehicle you insure, which will pay for any damages if you are at fault during an accident. If you happen to be towing a vehicle during such an incident, this insurance should extend to you, but you should check with your insurance company to be safe.
You may not succeed in your claim if you tow a trailer that is not street legal. Also, the insurance company may not pay out if the vehicle you use to tow the trailer is not suitable.
For example, when you attach a loaded trailer, your towing vehicle may have an insufficient GVM (gross vehicle mass), which means that it’s unsafe and you should not proceed. Therefore, ensure that your trailer is always in good condition and that you use it correctly if you want to avoid any problems when you claim.
Find out more about liability insurance and other categories here: “How much auto insurance coverage do I need?”
Comprehensive Insurance May Not Cover a Car Used for Towing
Comprehensive insurance is typically optional unless you have a loan or lease in place, but it should protect your car from damage that is not due to an accident. In other words, it pays for repairs to your vehicle if the damage is due to vandalism, theft, weather, fire, or an impact with a wild animal.
However, this insurance will not automatically extend to cover your trailer. In this case, you should talk with your insurance company about buying additional coverage. You can also learn more about affordable comprehensive auto insurance coverage.
Specific Towing Auto Insurance Coverage
You should talk with your insurance company to see if they can offer specific trailer insurance and a policy that will cover the property you are towing or hauling. These policies may pay for damage to the trailer itself. If you’re unsure, it’s always best to talk with the insurance company first in every case.
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Commercial Auto Insurance for a Car Used for Towing
If you’re towing a trailer for commercial reasons, you should talk with your insurance company. You’ll need a commercial insurance policy in place to cover both the towing vehicle and the trailer.
You Can Get Auto Insurance for a Car That Is Used for Towing or Hauling
It is possible to get insurance for a car that you use to tow or haul. However, you should refer to your insurance company’s specific terms and conditions.
For example, some companies may automatically extend coverage if you only tow the trailer occasionally, while others may expect a separate declaration. You should also ask the company if your comprehensive insurance coverage extends to the trailer.
Frequently Asked Questions
Does liability insurance cover towing?
A standard liability insurance policy will not typically cover any expenses related to towing. However, if the accident was someone else’s fault, their liability coverage may include your towing expenses.
What is towing and labor cost coverage?
This is an add-on to certain insurance policies that can protect you against the unexpected costs of a roadside breakdown.
Does full coverage car insurance cover towing?
You may need an additional form of insurance, often called towing and labor cost coverage, if you want to claim for towing costs. You can learn more here: “Understanding how auto insurance works.”
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance…
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