Trailer covered while attached to tow vehicle. That's why I never detach the trailer (5er) even when camping, unless I really have to. Ohio Progressive Ins.
I always thought the trailer was covered as liability as in if it contributed to an accident or caused damage but not as a value even if you had full coverage until you had a separate commercial policy for it. Items bolted to the truck are counted but only as a dollar figure to the value of the truck and it's not a 1/1. I had $9200 in receipts in the past 6 months for my idi turbo crew cab 205k dually with a utility bed and they valued it at 4500 initially then 5500 after giving receipts. Nothing bolted to my truck, lift gate, bolted in toolboxes or anything counted as personal property which could be recouped at dollar value
I've only ever bought basic liability insurance for my trucks (no collision or comprehensive options). Sometimes a work contract required more 3rd party liability than I usually buy but it was pretty much understood that any add-ons will not be covered. Maybe if you got it appraised or documented but I never looked into that. Bottom line is, these trucks are not worth much and insurance adjusters will see it as such.
On the flipside, you can buy a lot of truck for your money. Which I suspect is why many of us are here.
The good news is the turbo kit was already on the truck when I bought it. My biggest expense on it was taking it to the transmission shop and getting a new clutch, flywheel, reverse, and fifth. Unfortunately that was only a few months ago. As much as I would like to keep the truck for its heart I can't afford to. I need the money they'll give me to buy a new trailer for my boss, since im legally responsible to do so. I won't be buying another diesel any time soon unless I decide to part with my f150. I'm NEVER towing a trailer that belongs to someone else again. The only way I'll be hauling is if I buy my own trailer and have my OWN insurance on it that also covers materials, and charge the company to use it. I never realized how much of a liability it was. I won't be hauling any materials on my truck anymore either. My boss just checked how much a commercial policy would be on his f350... $3500/year that only covers the truck no tools or trailer. I guarantee most people with a small business aren't paying that.OP- sounds like from the atty's, your state is not a consumer friendly state for insurance. Anytime you put aftermarket parts or performance enhancing parts on your vehicle, it is not covered in most insurance policies. that is consistent most everywhere. that is why I suggested retaining salvage on your truck so you can recoup for the turbo kit.
I've hauled a lot of stuff on a trailer including large equipment for the farm I use to work at. I've never experienced anything like that in my life. It got out of control so fast I didn't realize what was happening until it was too late. I don't think some people realize how serious it is (including myself before Monday). If you are EVER not happy with the way someone loads your trailer don't be afraid to tell them to redo it. Even if it makes you seem like a jerk. Ultimately it's your life and money on the line.Wow. I came so close to doing this last year. The lanscape company loaded gravel in the front of the trailer and sand in the back. The sand was way heavier. The swaying seemed worse when driving down hill.
I was able to recover by accelerating and very lightly counterstearing. You should of had heard the trucks rear tires squeeling side to side. Quite possibly the scariest couple seconds of my life.
Glad to hear everyone is OK