Alabama Independent 2018, Issue 1
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Ted’s Tablet<br />
Q: A:<br />
QUESTION: Our insured is a trucker that hauls<br />
agricultural product within a 200-mile radius. He owns his<br />
own trucks and some trailers for hauling. Occasionally,<br />
he will use someone else’s trailer that is more specifically<br />
designed to carry certain products. The borrowed trailer<br />
is attached to one of his covered vehicles. These trailers<br />
are over 2,000 pounds. He has Symbol 4 under Liability,<br />
Comprehensive and Collision coverages. Symbol 4 is<br />
supposed to extend coverage to trailers used with a listed<br />
vehicle. If Symbol 4 is shown under Comprehensive and<br />
Collision, will the auto policy extend physical damage<br />
coverage to the non-owned trailer attached to a covered<br />
truck? I think it does, but I can’t find where it is clearly<br />
stating this.<br />
ANSWER: Symbol 4 only provides coverage for autos<br />
owned by the insured. If he has a non-owned trailer, he<br />
would need Symbol 8 on physical damage. Under Liability<br />
there would be no coverage for damage to the trailer due<br />
to the “care, custody & control” exclusion. It is true that<br />
the definition of Symbol 4 includes liability coverage for<br />
non-owned, attached trailers, but that is liability coverage<br />
for the insured for BI or PD to others, not damage to the<br />
trailer itself.<br />
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Elba, <strong>Alabama</strong><br />
<strong>2018</strong> <strong>Issue</strong> 1 | <strong>Alabama</strong> <strong>Independent</strong> 21
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