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Old 04-18-2016, 07:55 PM   #1
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Join Date: Feb 2012
Location: Smyrna, Tennessee
Posts: 27
When do I have to have Insurance?

Picking up new Wildcat Friday April 22. When do I have to have insurance by? When you buy a car you have three days to get insurance switched over how does it work on a fifth wheel? Can you even get insurance until you sign the papers? tried searching but can'r fined any clarity. Thank for all your help.

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Old 04-18-2016, 08:13 PM   #2
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Location: NE Ohio
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I pick up my trailer Wed and I've got insurance set to start that day. The stealership wanted policy info prior to the delivery date. I'd say call your dealer and insurance company.

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Old 04-18-2016, 08:14 PM   #3
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If you call you insurance company they will put the insurance in effect when picked up or before. Later RJD
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Old 04-18-2016, 08:56 PM   #4
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When I bought my TT, the dealer wanted a letter from insurance company showing policy effective that day. One quick call, that was all. 5 mins later, all done.

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Old 04-18-2016, 09:12 PM   #5
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With my insurance i had 30 days to get the insurance company the info i just gave the dealer my policy number then finalized the info with my insurance after we picked it up
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Old 04-19-2016, 02:11 AM   #6
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Location: NJ
Posts: 1,766
If it's financed the institution will more than likely require it to be insured upon taking ownership. A simple phone call to your insurance company and you'll have coverage.
If it's paid for you don't have to have insurance on a trailer. With that said, any accidents or claims on trailer damage is covered under the policy of the tow vehicle that it is hooked to. Where there's trouble is if something happens while the trailer is parked NOT hooked to the tow vehicle then you're on your own for the repairs.
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Old 04-19-2016, 10:01 AM   #7
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We signed ownership papers and immediately called GEICO with the new VIN. No change in coverage and was covered in 10 minutes. Call your ins. carrier and ask ahead of time.
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Old 04-19-2016, 12:47 PM   #8
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Posts: 259
Yes the trailer is covered while connected to the tow vehicle in most places. If it breaks away on the road then the insurance doesn't follow it. You are best to put separate insurance on the trailer for all perils. We added our to our home owner policy as it is replacement value coverage and way cheaper than adding to your car policy in most cases. We are paying $47.00 a month for full coverage and it's fully covered even on our seasonal site which is in another province.
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Old 04-19-2016, 02:33 PM   #9
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OK, Thanks all. Visited my agent and am covered as of the day I pick up the new fifth wheel.
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Old 04-19-2016, 02:43 PM   #10
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We fully own our trailer. The trailer is covered for liability under our tow vehicles policy when towing and we have additional collision and comprehensive on the trailer to cover those areas. All we had to do is contact our insurance agent to let him know we were picking up a new trailer and would get back with him when we had all the particulars. From that point forward we were covered for 30 days as far as our insurance company was concerned.

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