Tow-N-Go Trailer Rental Safety Protection Plan Options

✅ Benefits of N-Go Trailer Rental Safety Protection Plan (SPP Plan):

• Reduced risk of high repair or replacement bills.

• 24/7 roadside coordination support.

• Peace of mind on long hauls or remote trips.

✅ Why Add These Plans?

• Helps limit your financial responsibility

• Provides roadside support during emergencies

• Reduces stress during unexpected situations

No. N-Go Trailer Rental Safety Protection Plans are non-refundable and optional and must be selected before rental begins

✅ When Your Auto Insurance May Cover a Trailer Rental:

1. Liability Coverage:
   Most standard auto insurance policies extend liability coverage to small, non-commercial trailers (like utility or cargo trailers) while they are attached to your insured vehicle. This covers damage or injury you cause to others, not damage to the trailer itself.

2. Trailer Size & Use Matters:
   Coverage usually applies only to light-duty trailers (often under 2,000 lbs or under a certain length) and for personal use. If you're using a trailer for commercial purposes, you likely need commercial auto coverage.

❌ What Your Auto Policy Usually Doesn't Cover:

• Physical damage to the rented trailer (collision, theft, vandalism, etc.)
  Unless your policy specifically lists trailers or includes a rider for rented trailers, damage to the trailer itself is typically not covered.

• Tire damage, wear and tear, or mechanical failure
  These are almost never covered.

• Unhitched trailers
  If the trailer is not connected to your vehicle and causes damage (e.g., rolls away), it may not be covered.

• Loss-of-use fees charged by the rental company
  If the trailer is damaged and can’t be rented out while it’s being repaired, your auto insurance may not reimburse those costs.

✅ What You Should Do:

1. Call your auto insurance provider and ask:

   • Does my liability coverage extend to rental trailers?

   • Is physical damage to the trailer covered?

   • Are there weight or size restrictions?

   • Are commercial rentals excluded?

2. Consider supplemental coverage:

   • Tow-N-Go’s Rental Protection Plans can fill in the gaps, especially for physical damage and tire issues.

   • Your credit card may offer limited rental trailer protection if you pay with it — but check the fine print.

Bottom Line:

• Your auto insurance likely covers liability for small, personal-use trailers while attached to your vehicle.

• Physical damage to the trailer is usually not covered — so getting a rental protection plan is a smart move unless you’ve confirmed your policy includes it.

If you damage Tow-N-Go rental equipment without purchasing the optional protection plans, you are fully financially responsible for all damage, repair, or replacement costs, including:

🔧 What You're Responsible For:

• Full cost of repairs for any physical damage to the trailer or equipment

• Replacement value if the trailer is totaled or stolen

• Labor costs for repairs or recovery

• Parts and materials

• Tire repair or replacement for flats, blowouts, or road hazard damage

• Loss of use fees (if the trailer can’t be rented out while being repaired)

• Recovery costs if the trailer needs to be towed or brought back from an unauthorized location

⚠️ Important Notes:

• Even if the damage was accidental or not your fault (e.g., another driver hits the trailer), you're still responsible unless their insurance pays out.

• Auto insurance policies rarely cover damage to rental trailers, unless you’ve confirmed coverage with your provider.

• If a trailer is returned damaged without a report, you're liable for all damages discovered during post-rental inspection.

✅ How to Protect Yourself Next Time:

• Purchase the Tow-N-Go Basic Damage Waiver to limit your financial liability.

• Add the Tire & Roadside Assistance Plan for tire-related incidents and peace of mind during transport.

• Always inspect the trailer with Tow-N-Go staff before and after rental and document any pre-existing damage.

Yes — if you decline coverage, you are still 100% financially responsible for any damage to the trailer, regardless of fault, unless another party’s insurance pays for it.

Here’s what that means in plain terms:

🔍 Even if it’s not your fault, you’re responsible if:

• Another driver hits the trailer — and their insurance doesn’t cover it or can’t be identified.

• The trailer is vandalized or stolen.

• A tire blows out due to road debris or potholes.

• Weather or roadside conditions cause damage.

• Someone else damages the trailer while it’s parked.

🧾 What You May Have to Pay For Without Coverage:

• Full cost of repairs or trailer replacement

• Tire repairs/replacement

• Labor and parts

• Loss-of-use fees while the trailer is out of service

• Any applicable recovery or towing fees

🛡️ Why This Happens:

When you decline optional rental coverage, Tow-N-Go has no contractual obligation to waive damage charges — even if the incident wasn’t caused by you directly. The trailer is in your possession and under your care, so you assume full responsibility.

✅ What You Can Do:

• File a claim with the at-fault party’s insurance if possible

• Check with your own auto or homeowner’s insurance (but trailer damage is often excluded)

• In future rentals, consider purchasing the Tow-N-Go Damage Waiver and Tire/Roadside Plan to limit or eliminate this risk

Yes — Tow-N-Go Trailer Rentals will bill you for any damage to their rental equipment if you decline optional coverage and the trailer is returned with damage, regardless of who caused it.

🔧 Here’s What You Can Expect if You Return Equipment Damaged Without Coverage:

✅ Tow-N-Go will:

• Inspect the trailer upon return.

• Document and assess the damage (with photos and repair estimates).

• Send you an itemized bill for:

  • Repair or replacement costs

  • Parts and labor

  • Tire repair or replacement (if applicable)

  • Loss-of-use fees if the trailer is out of service during repairs

  • Recovery fees if the trailer was abandoned, stuck, or damaged in an off-road or unauthorized area

💳 Payment Responsibility:

• You are contractually obligated to pay for any damage that occurs while the trailer is in your possession.

• If payment is not made, Tow-N-Go may:

  • Charge your credit card on file (per your rental agreement)

  • Send the invoice to collections

  • Pursue legal recovery if necessary

🛡️ Avoiding These Charges:

To avoid being billed, you can:

1. Purchase the Rental Protection Plan (limits your liability with a deductible).

2. Add the Tire & Roadside Assistance Plan (covers tire blowouts, flats, and service calls).

3. Review the trailer with Tow-N-Go before and after rental, and report all incidents immediately.

Yes — and here’s why it’s a smart move:

✅ Peace of Mind

Without coverage, you’re fully responsible for any damage to the trailer — even if it’s not your fault. This includes accidents, theft, vandalism, tire blowouts, or weather-related damage. Tow-N-Go’s optional protection plans reduce or eliminate your out-of-pocket costs in these situations.

🔧 Real-World Scenarios Where Coverage Helps:

• A driver rear-ends you while towing — you’re still on the hook if their insurance doesn’t pay.

• A tire blows out on the highway — you’ll pay for replacement and roadside help unless you have coverage.

• A trailer is damaged or stolen overnight — you could be charged thousands if you declined protection.

📉 What Coverage Can Save You From:

💰 Affordable Protection Options:

• Basic Damage Waiver: Covers accidental damage to the trailer (minus tires). Includes a low deductible.

• Tire & Roadside Add-On: Covers one tire replacement and includes roadside assistance within 50 miles.

👇 Final Word:

If you're not 100% sure your auto insurance covers trailer rentals, or you simply want to avoid surprise costs, buying Tow-N-Go’s coverage is a smart, affordable way to protect yourself.

One small upfront cost could save you thousands.