"If you back into a tree while you are hooked up to your TV, you are covered PROVIDED (for example) you have collision on your truck's policy AND the policy limit amount is sufficient to cover BOTH vehicles (IF both vehicles are involved)."
NOT TRUE After talking to our insurance guy (SHOULD have checked prior to posting):
If you are the owner of the trailer, they will not pay AT ALL to repair the camper.
If you BORROWED the trailer, THEIR insurance will pay for the trailer's repair (their insurance will recover from your truck's liability).
If THEY do not have insurance on the trailer you borrowed, your truck's liability will pay THEM to repair the damage YOU caused.
Lou and Laura with Bella - German Short Hair Pointer
2008 GMC Sierra 2500HD Crewcab SB Allison Duramax
2010 Flagstaff 8526RLWS - Superglide 3300
HAM CALLSIGN - KC3FFW