Can I get auto insurance for a car that is used for towing or hauling?

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.