If you are thinking about towing a camper or something like a boat on a trailer, before you do this, call us to speak with your agent at ALLConnecticut Insurance, serving West Hartford, CT and the surrounding communities. You will want to have your agent conduct an insurance review and to make recommendations about adjusting any auto insurance coverage as needed to make sure you have adequate protection.
Insure the Vehicle
Towing something increases strain on a vehicle and requires paying careful attention to driving. The common phrase for an accident caused by towing something is when a driver experiences a “jack-knife.” This is when the trailer is moving in a direction toward the vehicle in a way that is out of control. In some cases, the weight of the trailer causes the vehicle to have an accident. Sudden braking can cause an accident from this dynamic.
Insure What is Being Towed
You will want to discuss with your insurance agent the coverage needed to protect the item being towed and any contents it may contain. Consider replacement coverage because that is superior to just have coverage for the actual value, which is usually much lower.
Emergency Road Assistance
If you are towing a camper for vacation purposes, it is a good idea to have road assistance coverage, rental car expense coverage while needed repairs are being made, and vacation insurance. With these extra options, the risks of having a vacation spoiled by trouble with the vehicle, camper, or the trailer are reduced.
Summary
It is fun to go camping or take the boat out to the nearest lake. Be sure to manage your insurance needs when doing this and then you can enjoy the trip while having peace of mind that adequate insurance is in place.
Contact your agent at ALLConnecticut Insurance in West Hartford, CT to get an auto insurance review and a quote for auto insurance that includes protection for anything you want to tow.