rotarydragon
Full Access Member
Update: I've been on the phone all day. I contacted several different attorneys. They all came to the conlusion i am liable for the trailer since im the one at fault. It didn't help that I got a citation for "too fast for conditions". One very helpful guy I talked to said it wouldn't be worth me fighting it. Any big company has crossed their t's and dotted their i's on this stuff. They could get in huge trouble for denying me coverage on something I have the right to. They're not going to risk it. I believe liability insurance would have transferred over to the trailer had I hit another vehicle. At least in the state of SC you have to have a separate policy on the trailer itself to protect it and it's contents from damage. I also found out most policies only cover vehicle accessories that are from the factory. Any extra stuff you add to your truck you have to get a custom policy on. They're only giving me $250 for personal property loss. That's not even enough to buy a new tool box...won't even touch the ladder rack. I did get some good news that they are going to cover my trip to the er to get checked out. Only $1000 personal protection coverage. I'm not crazy about putting all this stuff out online, but I'm hoping yall can learn from my mistakes. You better be sure you know all the facts on your policy before you get screwed up the rear like me. I'm trying to stay positive about it all. At least I'm still kicking.
Money can be remade. Spines can't be completely repaired (ask me how I know), limbs can't be regrown, etc.
Still sucks though !