Backhoe: the backhoe and trailer wasnt covered but the truck pulling it was how come. It had full coverage with aaa?

backhoe

Question:

the backhoe and trailer wasnt covered but the truck pulling it was how come. It had full coverage with aaa?

aaa does not want to cover my backhoe and the trailer it was on but the truck that was hauling it had full coverage

Answer by Chloe
That’s why ya gotta read the fine print. Called disclaimers or exceptions.

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5 Responses to Backhoe: the backhoe and trailer wasnt covered but the truck pulling it was how come. It had full coverage with aaa?

  1. PeppermintandPopcorn says:

    You answered the question yourself – the truck had coverage.

    If you wanted coverage for the backhoe and trailer you needed additional coverages to protect from damages.

  2. gregs111 says:

    you need to have your trailer insured to cover it same as a boat and trailer

  3. tooreal2believe says:

    well all you informative people you all must work for AAA ; but check this out…if you are driving down the hiway pulling the backhoe with your truck and chp pulls you over…for speeding, he ask you for insurance for your truck that you are driving; NOT the trailer and backhoe that you are pulling…but according to CA law everything going down the highway, must be insured…. and by the way, Call your insurance and check to see about insuring your trailer and tractor…tell them that various people and vehicles will be pulling them because you do not have a valid license..there will not be a policy available….! When you buy insurance for a 1 ton truck, with a class 1 hitch from factory, Gee, what am I going to be doing with that truck …probably towing and hauling ..that’s why my insurance is about 4X’s higher than a Dodge Neon without a hitch….That’s All Folks!!!

  4. blb says:

    If your truck is insured on a personal auto policy then liability extends to the trailer that you are pulling. Full coverage is only for your truck, you would have to have separate coverage for the backhoe and the trailer. If the truck is insured on a commercial policy then it will depend on the weight of the trailer. But again this is liability only. The only way you can have full coverage is by insuring them.

  5. peedlepup says:

    Your question seems to infer that you had an accident in a truck that was pulling a trailer on which a backhoe was being transported. Is this the correct scenario? The truck and trailer are both “vehicles”, and each would have had to be insured separately. Rarely is a backhoe driven on the highway, or registered for highway use, so it would be considered cargo while it was on the trailer. If you are using the backhoe for business purposes than the insurance you carry on your business should cover it.

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