In the world of transportation, it is important to know the regulations and legal requirements to insure both our vehicle and any trailer or semi-trailer that we tow. In this article, we will address the obligation to insure a trailer towed by the car, as well as the contracting of specific insurance for trailers and semi-trailers. We will also mention the DGT warning about the need for two compulsory insurances in some vehicles.
Is it mandatory to insure a trailer pulled by the car?
One of the most common questions that arise in this regard is whether it is mandatory to insure a trailer pulled by the car. The answer is yes, in most cases. According to current legislation, any trailer or semi-trailer that is towed by a vehicle must have compulsory civil liability insurance.
This insurance covers damages that may be caused to third parties in the event of an accident. It is important to note that this insurance does not cover damage to the trailer, so if you want to protect your trailer from possible damage, it is advisable to take out additional insurance.
Specific insurance for trailers and semi-trailers
In addition to the compulsory civil liability insurance, there are specific insurances for trailers and semi-trailers that offer greater protection. These insurances can cover damage to the trailer, theft, fire, among other risks.
It is important to note that specific insurance for trailers and semi-trailers may vary in coverage and price depending on the insurance company. Therefore, it is advisable to compare different options before purchasing insurance to ensure that you get the best coverage at the best price.
What factors influence the price of insurance for trailers and semi-trailers?
The price of insurance for trailers and semi-trailers can vary depending on different factors. Some of the factors that can influence the price are:
- The value of the trailer or semi-trailer
- The type of trailer or semi-trailer
- The age of the trailer or semi-trailer
- The use given to the trailer or semi-trailer
- The geographical area in which the trailer or semi-trailer is used
These are just a few examples of the factors that can influence the price of trailer and semi-trailer insurance. It is advisable to consult with different insurance companies to obtain quotes and compare prices and coverages.
The DGT warning about the need for two mandatory insurances in some vehicles
The General Directorate of Traffic (DGT) has warned about the need to have two mandatory insurances in some vehicles. This warning applies to those vehicles that tow a trailer or semi-trailer and that, in addition, have a MMA (Maximum Authorized Mass) greater than 750 kg.
In these cases, in addition to the compulsory insurance for the vehicle, it is necessary to have specific insurance for the trailer or semi-trailer. The purpose of this measure is to guarantee greater protection both for the driver of the vehicle and for third parties in the event of an accident.
What happens if you do not have the mandatory insurance?
Not having the mandatory insurance for the vehicle and the trailer or semi-trailer can lead to legal sanctions. In case of being stopped by the traffic authorities without having the corresponding insurance, fines can be imposed and, in some cases, even immobilize the vehicle until the situation is regularized.
In addition to legal sanctions, not having mandatory insurance can pose a significant financial risk in the event of an accident. The expenses derived from damage to third parties or damage to the trailer or semi-trailer can be very high and will fall directly on the owner of the vehicle.
Conclusion
In summary, it is mandatory to insure a trailer pulled by the car, since it must have mandatory civil liability insurance. In addition, it is advisable to take out specific insurance for trailers and semi-trailers that offers greater protection. The DGT warns about the need to have two mandatory insurances in some vehicles that tow a trailer or semi-trailer with a MMA greater than 750 kg. Not having mandatory insurance can lead to legal sanctions and pose a significant financial risk in the event of an accident.
Frequently Asked Questions (FAQs)
1. Is it necessary to take out specific insurance for the trailer or semi-trailer?
Yes, it is advisable to take out specific insurance for the trailer or semi-trailer, since the compulsory civil liability insurance does not cover damage to the trailer. A specific insurance can offer greater protection and cover risks such as theft, fire, among others.
2. What happens if I don't have the mandatory insurance for the vehicle and the trailer?
Not having mandatory insurance can lead to legal sanctions, such as fines and even the immobilization of the vehicle. In addition, in the event of an accident, the expenses derived from damage to third parties or damage to the trailer itself will fall directly on the owner of the vehicle.
We hope this article has been useful to resolve your doubts about the obligation to insure a trailer and the specific insurance for trailers and semi-trailers. If you have any other questions or comments, feel free to leave them below. We would love to hear your opinion!
Until next time!
The Pistonudos.com team
