uechi kid Posted August 24, 2012 Share #1 Posted August 24, 2012 I just talked to my insurance agent (Allstate) and she told me that the bike wouldn't be covered when we tow a trail. Has anyone else had this issue? Link to comment Share on other sites More sharing options...
Brake Pad Posted August 24, 2012 Share #2 Posted August 24, 2012 I just talked to my insurance agent (Allstate) and she told me that the bike wouldn't be covered when we tow a trail. Has anyone else had this issue? she's full of S***. 1st the trailer is covered by the auto its towed by. Link to comment Share on other sites More sharing options...
etcswjoe Posted August 24, 2012 Share #3 Posted August 24, 2012 (edited) Odd since All state has an article about pulling a trailer on their website. http://allstateridernews.com/Rau/LatestStory.aspx?id=53 I just called Allstate and they will insure bikes pulling trailers Edited August 24, 2012 by etcswjoe Link to comment Share on other sites More sharing options...
eusa1 Posted August 24, 2012 Share #4 Posted August 24, 2012 Better check with your state guidlines because they are all differentand may or may not be full of sheeet. As of jan 1 2011 Illinois insurance does NOT automaticly cover the trailer your towing , so i had to buy coverage for my trailers . However i do still have coverage on my vehicle even if there is. No trailer policy Mike:mytruck1: Link to comment Share on other sites More sharing options...
playboy Posted August 25, 2012 Share #5 Posted August 25, 2012 (edited) According to my agent " Progressive " my trailer is considered and accessory of which I have 5k coverage for accessories. I also ask about coverage while the trailer was at a motel and not connected to bike and yes it's covered. Oh yeah the bike is definitely covered Edited August 25, 2012 by playboy Link to comment Share on other sites More sharing options...
wes0778 Posted August 25, 2012 Share #6 Posted August 25, 2012 When I bought my trailer and asked my Allstate agent about insuring it, he said there was no need as it was covered when attached to the bike. Well I went ahead and insured it against theft, anyway. Yeah a $250.00 deductible policy on a $400.00 trailer, but what the heck, the premium is I believe $14.00/ year. Link to comment Share on other sites More sharing options...
friesman Posted August 25, 2012 Share #7 Posted August 25, 2012 skip it, gotta read better..... Link to comment Share on other sites More sharing options...
dacheedah Posted August 25, 2012 Share #8 Posted August 25, 2012 Mike, I have progressive and my agent checked my policy and said my trailer is covered under my policy as long as it's connected to my bike. They wanted $100.00 a year for trailer insurance ( I have about 350.00 min it) and she said even if I had it insured it would go on the bike until I exceeded my accessories and additions. Link to comment Share on other sites More sharing options...
uechi kid Posted August 25, 2012 Author Share #9 Posted August 25, 2012 My agent is looking into it with an underwriter. It bugs me that my agent has never run across this before. If it's not covered I'm changing companies, for the bikes at least. I'll let you know on Monday. Link to comment Share on other sites More sharing options...
Monty Posted August 25, 2012 Share #10 Posted August 25, 2012 My Allstate agent says my trailer is covered. No extra cost on my bike insurance. Link to comment Share on other sites More sharing options...
dynodon Posted August 25, 2012 Share #11 Posted August 25, 2012 State Farm told me my Bushtec was not covered. Extra policy was under $20 per year though, and trailer is worth more than a couple bucks so I took it. Bike would be covered anyway. Only instance I can think of is IF the trailer is not covered, AND it causes the accident? Link to comment Share on other sites More sharing options...
Trader Posted August 25, 2012 Share #12 Posted August 25, 2012 Mike, I have progressive and my agent checked my policy and said my trailer is covered under my policy as long as it's connected to my bike. They wanted $100.00 a year for trailer insurance ( I have about 350.00 min it) and she said even if I had it insured it would go on the bike until I exceeded my accessories and additions. Hmmm...."as long as it is connected to the bike" so if it breaks loose and causes major damage (cars swerving and crashing) you are no longer covered? Unlikely to be true....but I would check to be sure. Link to comment Share on other sites More sharing options...
Condor Posted August 25, 2012 Share #13 Posted August 25, 2012 I just talked to my insurance agent (Allstate) and she told me that the bike wouldn't be covered when we tow a trail. Has anyone else had this issue? Like others have said that's BS..... But it may be Allstate's rules?? If it is, I'd start looking around for another carrier. I have Geico and they just paid off on the stolen Motorvation. MOF all Geico needed was notification of the brand, model, and Vin# when I bought the trailer. No extra charge for the coverage... Link to comment Share on other sites More sharing options...
Carbon_One Posted August 25, 2012 Share #14 Posted August 25, 2012 I have Allstate as well and my trailer is covered. I'll have to double check to see if its covered if unattached to the bike. But no extra fees for coverage while hooked up. Considered an accessory. Larry Link to comment Share on other sites More sharing options...
Cougar Posted August 25, 2012 Share #15 Posted August 25, 2012 Mines Covered and my Deductible is $50 for Trike and Trailer ! with flatbed towing. Link to comment Share on other sites More sharing options...
playboy Posted August 25, 2012 Share #16 Posted August 25, 2012 Mines Covered and my Deductible is $50 for Trike and Trailer ! with flatbed towing. But your going to need another RELAY to get the trike and then the trailer on the flatbed Link to comment Share on other sites More sharing options...
uechi kid Posted August 25, 2012 Author Share #17 Posted August 25, 2012 Mines Covered and my Deductible is $50 for Trike and Trailer ! with flatbed towing. WOW!!! That very inexpensive. Who do you have your insurance with? Link to comment Share on other sites More sharing options...
Cougar Posted August 26, 2012 Share #18 Posted August 26, 2012 WOW!!! That very inexpensive. Who do you have your insurance with? Geico, been great to me for 15 years now. with all my cars and bikes. Trike and Trailer are insured for 24K The sad part is that you do not need a relay Link to comment Share on other sites More sharing options...
ediddy Posted August 26, 2012 Share #19 Posted August 26, 2012 When agents or companies say the trailer is covered when attached to the bike, it is covered for liability when attached. The physical damage to the trailer would be covered by the accessory coverage provided by the policy. It's the same as pulling a trailer with a vehicle. The liability of the vehicle extends to the trailer. If you were pulling a trailer and it came loose the damage it caused would be covered by the liability, whether it was bodily injury to someone or property damage to someone's property. But remember the damage to the trailer is treated differently. Link to comment Share on other sites More sharing options...
uechi kid Posted August 27, 2012 Author Share #20 Posted August 27, 2012 I just heard back from you agent. She now says that the trailer will be listed as optional equipment and is covered. I think I need to change agents. This one doesn't seem to know much about how her own company's products work. Thanks for all the replies. Link to comment Share on other sites More sharing options...
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