lovehateinsurance
New Member
- 1
Would typical car insurance from, for example, GEICO, that covers the use of a 4-Door heavy duty (Ford F250, for example) pickup truck for non-commercial use, also cover an attached tow dolly that were towing a mid-size car (for example, a Buick) in a fashion safe according to manufacturer's guidelines, assuming the towed vehicle is also registered and insured, but by a different carrier, for example, Progressive?
Which insurance (the truck's or the car's?) covers an accident, if someone hits the towed car in an accident, or the towed car flips over and damages another car?
Would GEICO deny a claim if the towing vehicle were at fault hitting someone else, because it were towing a dolly and towed vehicle and that's excluded?
In Florida, tow dollies are legal of course (imagine all the motorhomes towing tow dollies with small cars behind them, and also folks with pickups and dollies towing a junker they are going to fix up), however some DMV agents have told me a dolly can't be individually registered or insured asserting that the tow dolly goes automatically under the registration of the towing vehicle (motorhome/pickup), however, patrol officers and sheriff's deputies have told me that anything with wheels on the ground must be registered and insured. Disagreeing with those denying DMW agents, other agents were willing to register a dolly as a trailer (those other DMV agents believed that the previously denying agents were wrong that they can't be registered, as the dolly can be interpreted as being a trailer).
How do the answers the questions above change if the towed vehicle has a dealer's plate on it and is thus covered by dealer's registration and insurance, and the towing vehicle is a personal vehicle with personal auto insurance?
Which insurance (the truck's or the car's?) covers an accident, if someone hits the towed car in an accident, or the towed car flips over and damages another car?
Would GEICO deny a claim if the towing vehicle were at fault hitting someone else, because it were towing a dolly and towed vehicle and that's excluded?
In Florida, tow dollies are legal of course (imagine all the motorhomes towing tow dollies with small cars behind them, and also folks with pickups and dollies towing a junker they are going to fix up), however some DMV agents have told me a dolly can't be individually registered or insured asserting that the tow dolly goes automatically under the registration of the towing vehicle (motorhome/pickup), however, patrol officers and sheriff's deputies have told me that anything with wheels on the ground must be registered and insured. Disagreeing with those denying DMW agents, other agents were willing to register a dolly as a trailer (those other DMV agents believed that the previously denying agents were wrong that they can't be registered, as the dolly can be interpreted as being a trailer).
How do the answers the questions above change if the towed vehicle has a dealer's plate on it and is thus covered by dealer's registration and insurance, and the towing vehicle is a personal vehicle with personal auto insurance?