Does Comprehensive Insurance Cover an Auto Towed by a Motorhome?

Immediate Answer

Comprehensive auto insurance generally does cover a vehicle being towed by a motorhome, but only for specific types of damage that occur during the tow. It is not a blanket policy for all losses that happen while the car is in transit behind the RV. The coverage applies as if the towed vehicle is an insured property exposed to the listed perils, not as liability for the motorhome's operation.

How Comprehensive Coverage Applies to Towed Vehicles

Comprehensive insurance protects against non-collision events like theft, vandalism, fire, falling objects, and weather damage. If the auto being towed sustains damage from a tree branch falling on it during the journey, or from a wildfire while parked at a campsite, comprehensive coverage would typically apply. However, the damage must result from a covered peril, not from the mechanical action of towing itself.

Key Exclusions and Limitations

Wear and tear, mechanical failure, or damage caused by improper towing equipment, such as a faulty hitch or loose chains, is not covered under comprehensive. If the towed vehicle's transmission is damaged because it was towed with the wheels on the ground in a non-flatbed setup, a standard comprehensive policy will deny the claim. The policy also excludes damage caused by the motorhome's collision with another vehicle.

Towing Equipment and Liability Considerations

Comprehensive coverage does not extend to the tow dolly, flatbed trailer, or tow bar. If that equipment is damaged or causes damage to the motorhome, a separate equipment policy or the motorhome's own coverage is needed. Liability-wise, if the towed auto becomes detached and hits another car, the motorhome's liability insurance handles it, not the comprehensive on the towed vehicle.

When to Check Your Policy

Before a long trip, verify the towing rules with your insurer. Some carriers require a specific endorsement or limit coverage to short-distance tows. Confirm whether the towed vehicle must be on a flatbed or if dolly-towing is permitted to keep a claim valid.