I loaned my tent trailer to a friend. It was not insured. While on her property, a tree broke in a storm and caused significant damage. Can her insurance cover it? What is the time limitation? this was in August 09.
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I loaned my trailer to a friend and it was damaged. Can their insurance cover it?
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If you did not insure your trailer then there is, of course, no coverage for it.
The only way the trailer would possibly be covered under your friend’s insurance is if:
a) They were found liable for the damage and you sued them. This would likely not be the case here if a tree fell on the trailer causing damage.
b) Your friend claimed under voluntary property damage under their homeowners policy which generally covers up to $1000 worth of damage. This coverage may not be applicable either but your friend can inquire with their own insurance company about this.
Sean Graham, Principal Broker at KTX Insurance Brokers.
Neither Kanetix® nor the KanetixForum.ca is an insurance broker or agent. Although this information has been passed along to you from KTX Insurance Brokers through the Forum, we are not responsible for the opinions expressed by them. Insurance can be complicated. When reading these answers, keep in mind each person’s situation is unique. Individual responses may vary depending on your insurer, geographic location, and specific circumstances. If you have a similar situation, always speak with your insurance provider, or a licensed insurance representative, for terms and conditions that may apply to you.