As someone who knows the trucking industry well you would know that driving your vehicle with a trailer in tow is far more challenging than operating the same vehicle without the tow. There are challenges in terms of manoeuvrability, braking and acceleration as the trailer is completely dependent on the truck, while at the same time the body mass tends to act independently. No wonder driving one on the road requires special skills and requires the driver be regularly tested. Often it can take months for a driver to gain complete control over a trailer’s manoeuvrability especially when driving in challenging conditions and on narrow roads.
Even with the skills aside, as a driver you are responsible for both the truck as well as your trailer in control. In case of any accident, or in other words when you lose control of the trailer, you would need to pay for any damages. The law makes it mandatory for you to have trailer in control insurance to be able to drive it on the road for commercial purposes. If you are towing someone else’s trailer you need have non-owned trailer in control insurance. These insurance policies would pay for damage to your vehicle as well as those caused to third-party involved in the incident.
# Trailer in Control Liability
The minimum coverage needed when towing a trailer is trailer in control liability. As you already know, this policy would protect all your liability on the road when the trailer is in control or in other words, attached to your truck. So if you are involved in a collision with another vehicle or damage somebody’s property while driving the trailer, this policy would take care of all the damage caused and would require you to only pay for the deductible under your plan.
# Comprehensive Insurance Coverage
Like other comprehensive insurance policies, the comprehensive trailer in control insurance policy is highly recommended. Although you need to pay a higher premium for this policy the benefits surely override the added expenditure. For starters, this insurance policy would cover all the risks associated with operating a trailer in control. It offers you the complete peace of mind needed while operating the vehicle.
Comprehensive trailer in control insurance covers damages in the event of collisions and accidents and also protects you from the risk of fire, theft, vandalism, hail and all other kinds of damage you’re likely to face when the trailer is hooked to your truck. Some people may think that these insurance policies are too expensive, but they can easily lower the premiums by choosing a higher excess. However this would result in higher out-of-pocket expenditure in the event of an accident.
It is important that to choose the right insurer when you are planning to buy insurance for your trailer in control. Do quick research about different Trailer In Control policies that a prospective insurer has and match them against your needs. Discussing your requirements with an experienced insurance broker will help you choose the right plan for your needs.
This article talks about all the things that a trucker needs to know about trailer in control insurance and also guides them towards choosing the right policy.
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