Trailer Rental Safety Protection Plan Options

Benefits of the N-Go Trailer Rental Safety Protection Plan include:

• Reduced risk of high repair or replacement bills
• 24/7 roadside coordination support
• Peace of mind on long hauls or remote trips

• 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:

• Liability coverage: Most standard auto insurance policies extend liability coverage to small, non-commercial trailers (like utility or cargo trailers) while attached to your insured vehicle — this covers damage or injury you cause to others, not damage to the trailer itself.
• 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. Commercial use likely requires 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
• Tire damage, wear and tear, or mechanical failure — almost never covered
• Unhitched trailers — if not connected to your vehicle and it causes damage, it may not be covered
• Loss-of-use fees charged by the rental company while the trailer is being repaired

What you should do: Call your auto insurance provider and ask whether liability coverage extends to rental trailers, whether physical damage is covered, and whether there are weight, size, or commercial-use restrictions. Consider a supplemental protection plan to fill the gaps — Tow-N-Go's Rental Protection Plans are designed especially for physical damage and tire issues.

Bottom line: Your auto insurance likely covers liability for small, personal-use trailers while attached to your vehicle. Physical damage to the trailer itself is usually not covered — so 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 a protection plan, you are fully financially responsible for all damage, repair, or replacement costs, including:

• 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, plus 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

Even if the damage was accidental or not your fault, you're still responsible unless the other party's insurance pays out. If a trailer is returned damaged without a report, you're liable for all damage discovered during the post-rental inspection.

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. This includes situations where another driver hits the trailer and their insurance doesn't cover it, the trailer is vandalized or stolen, a tire blows out due to road debris, weather causes damage, or someone else damages the trailer while it's parked.

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

Yes. Tow-N-Go will inspect the trailer upon return, document and assess the damage with photos and repair estimates, and send an itemized bill for repair or replacement costs, parts and labor, tire repair if applicable, loss-of-use fees, and recovery fees.

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 the card on file, send the invoice to collections, or pursue legal recovery.

Yes — 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. Protection plans reduce or eliminate your out-of-pocket costs in these situations.

If you're not 100% sure your auto insurance covers trailer rentals, or you simply want to avoid surprise costs, a protection plan is a smart, affordable way to protect yourself. One small upfront cost could save you thousands.