What is the coverage limit for nonowned trailers under Part D-Damage to Your Auto?

In the context of Part D - Damage to Your Auto, nonowned trailers are not covered under standard auto insurance policies. This means that if you are using a trailer that you do not own, the insurance coverage afforded by your auto policy does not extend to include that trailer for any damages incurred.

The rationale behind this exclusion is based on the principle that coverage is intended to apply to vehicles and equipment that you own, ensuring that the risks are managed for assets under your control. Since nonowned trailers fall outside of this purview, policyholders must look for alternative sources of coverage, such as separate trailer insurance, if they wish to be protected against damages.

This understanding is crucial for agents and clients alike to ensure clarity during discussions regarding coverage options and to avoid potential gaps in insurance protection.