Personal Auto PolicyQuestion 370 of 474
The insured owns a utility trailer that is towed by the van listed on the policy. Under Part A of the personal auto policy, the trailer is:
a.Excluded, since a trailer does not have four wheels of its own
b.Treated as a covered auto, since a trailer the insured owns qualifies
c.Covered only while it is detached and parked at the residence
d.Outside the policy unless the trailer is listed on the declarations
Explanation
The definition of "your covered auto" includes any trailer the named insured owns, so a utility trailer is a covered auto for liability whether it is hitched or standing. A trailer here means a vehicle designed to be pulled by a private passenger auto, pickup or van. The fewer-than-four-wheels exclusion is aimed at motorized vehicles such as motorcycles, not at owned trailers.
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