Mexstan

I have a fiver with Texas plates that is based in Mexico. If I take a quick trip to the states, i.e, Texas, for a few days or a week, is it mandatory that I obtain insurance for it? Any suggestions as to what kind of insurance to carry for a short trip into the states? Which companies offer the kind of insurance that I need? Any other insurance advice will be appreciated.
My truck has the required American insurance, but that company does not offer RV insurance.

bigfoot

Check your policy but most of the ones I’ve ever seen the trailer is covered as far as if you back into someone or cut a corner to sharp and hit another car. Just not for hail or storms .

annabelle

I was told my auto insurance would cover a trailer, but not the contents of the trailer. However, that was a commercial policy.

Mexstan

For insurance purposes, does a RV = a trailer and visa versa?

bigfoot

With the policy I have it is considered a trailer just like any other and so long as it is attached to the truck when the accident happens damage to the other car is covered under the truck policy .

annabelle

Mine did, utility trailer or RV.....no difference.

FiverBob

Stan,
Check with your American insurer on the truck. Mine does not cover my RV - - that is a separate policy.
Bob

OldDodgeOwner

Are you asking if you're legally required to have insurance on the trailer?
If so, as far as I know, only the truck has to be insured. I know I don't have to have insurance on my travel trailer.

As far as comprehensive insurance. I go through Progessive on mine. I don't know what they'd offer for short term insurance though.

annabelle

I was required to show my trailers were covered before NM would register them.

OldDodgeOwner

Must be different between states. I've never had to show proof of coverage for any of my trailers. My auto policy does cover liability if my trailer damages another vehicle, but I've never been asked anything about insurance registering any of my trailers.

PaulDaisy

For me, the liability is covered under the tow vehicle; comprehensive and collision - need a separate policy for the RV.

irocpractice

Stan,you could post that question on the "rv.net"board.

Springer

here in NY the liability for any type trailer is covered under the truck you can also add comp and collision to your policy for a trailer. Any RV that moves under it own power has to have it own policy.

Mexstan

Just heard back from my insurance company and they tell me that the trailer (RV) is covered under the truck policy.
Thanks for all you responses.

Edit
Got suspicious about the way the agent answered my questions, so called the head office. It turns out that this company do NOT insure any trailer that is towed by the vehicle they insure. Now now I am back to squsre one and looking for an insurance company that can provide temporary insurance for my truck AND RV. No problem to insure the truck, the problem is insuring the RV
I have posed my dilemma on rv.net and waiting to see what someone there says.

BLACKBEAR

I would call some other Compy to see what they have. If they will cover every thing then drop the one you have and get with a good compy.