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Columbus: 614.889.0701
Bexley: 614.231.3696

Trailer Insurance in Columbus and Bexley

We all know how important it is to keep our vehicles insured—in fact, except for New Hampshire, having auto liability coverage is required by state law. However, that car insurance coverage doesn't always extend to trailers being towed behind your vehicle, so trailer insurance can be used to fill this gap.

Having this form of insurance is more useful than people may realize. According to a report by the National Highway Traffic Safety Administration, rear-end collisions are the single most common type of crash and account for roughly 29% of all incidents. This means that trailers are exposed to a high degree of risk, especially when drivers can't effectively see vehicles in the lane behind them.

As a driver, you want to keep your vehicles and passengers safe. There's only so much you can do to prevent a collision, but with the right coverage plan, you can ensure that you're not going to find yourself paying out of pocket if a problem occurs.

Trailers Covered By Insurance

Most trailers can be insured, regardless of whether they're being used for private or commercial purposes. Exceptions to this are rare, and are generally limited to trailers that are considered too high-risk to insure. If you're unsure whether your trailer qualifies for coverage, call Associates Insurance Services and ask for more information.

Trailer types that are usually covered include:

  • Horse trailers
  • Camping trailers
  • Car trailers
  • Boat trailers
  • Cargo trailers
  • Bicycle trailers
  • Semi-trailers
  • ...and many others

What's Covered

Most plans for trailer insurance include, but do not require, all of the following:

  • Liability Coverage: This form of insurance covers costs associated with property damage or bodily injury done to other people. Your existing vehicle liability coverage may or may not extend to your trailer—if not, this will need to be purchased separately or added to the main coverage.
  • Collision Coverage: If your trailer is damaged during a collision, this policy can help pay for repairs (regardless of whether or not you're at fault).
  • Comprehensive Coverage: This part of trailer insurance deals with damage to the trailer. Damage can come from many different sources. Fire, severe weather, vandalism, and water damage are among the most common uses for this coverage.
  • Contents Coverage: If your trailer is being used to carry and store personal items (clothes, furniture, etc.), this policy can help replace them in the event they're stolen, damaged, or destroyed. For especially large shipments, you might consider cargo and freight insurance.

Please be aware that trailer insurance is not the same as commercial trailer insurance, which is designed for vehicles being used for business purposes (including the transport of products) and covers different liabilities.

If you have a trailer that needs insurance, call Associates Insurance Services today to find out the specifics of the coverage and begin protecting your investment.

 

1. "Compulsory Auto/Uninsured Motorists." III. April 2016. Accessed April 18, 2016. http://www.iii.org/issue-update/compulsory-auto-uninsured-motorists.

2. "Analyses of Rear-End Crashes and Near-Crashes in the 100-Car Naturalistic Driving Study to Support Rear-Signaling Countermeasure Development." Naturalistic Driving Studies | National Highway Traffic Safety Administration (NHTSA). 2007. Accessed April 18, 2016. http://www.nhtsa.gov/DOT/NHTSA/NRD/Multimedia/PDFs/Crash Avoidance/2007/Analyses of Rear-End Crashes and Near-Crashes (DOT HS 810 846).pdf.

3. "Commercial Trailer Insurance | DMV.org." DMV.org. Accessed April 18, 2016. http://www.dmv.org/insurance/types-of-commercial-trailers-to-insure.php.

Our Locations

Nick Miller & Associates Insurance Services

6834 Caine Road
Columbus, OH 43235
Main office: 614-889-0701
Toll free: 800-889-0701

Beim-Grundstein & Associates Insurance Services

2776 E Main Street
Bexley, OH 43209
Main office: 614-231-3696
Toll free: 800-889-0701

Our Providers

My two male teenage drivers had a speeding ticket and an accident on their records so our previous carrier dropped us. I had been "shopping" with my previous agency but received a flyer in the mail detailing a discount Nationwide provides for OSU grads. I found some favorable reviews which led me to Nick Miller and Associates. I worked exclusively with Melisa and I can't say enough good things about her. We were under a deadline for new insurance and she was able to provide thorough quotes that same day. I was able to switch my homeowners insurance as well in a bundle and she helped me find other savings mechanisms as well. Both our home and auto policies provide the same or better coverage and our rates went down!
MarkMc from Powell, Ohio
This is a great insurance company! Always there for all your needs..Very friendly staff and experienced. Always had an answer for all my questions!
TERRYJ7000 from Columbus, Ohio
Friendly, knowledgable staff. Anytime I have a question, it is answered in a timely manner. I'm always informed of discounts that may apply. My husband and I are very satisfied with this agency. Would definitely recommend.
Elizabeth6 from Columbus, Ohio
Nick Miller's office gave me accurate information about placing our first claim. Everything was quick, easy and we were very impressed with the adjuster and matching our estimate. I am singing the praises of Nationwide and how our claim was handled. Could not be more pleased. Thank you
Tillman from Marysville, Ohio
We had an outstanding experience with our recent claim in June. Nick's office was great with advise and follow up to our satisfaction. Highly recommend Nick Miller to others.
Kara from Columbus, Ohio
The staff at Nick Miller’s agency has always been a pleasure to work with. His Account Representatives are very knowledgeable; they take the time to keep me informed and make tremendous efforts to review our policies for accuracy. It is staff like this that makes it a pleasure doing business with his agency.
Terrific from Columbus, Ohio