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My boat trailer slipped blew forward during windstorm into rear bumper of pickup truck putting dent in bumper?
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My boat trailer slipped blew forward during windstorm into rear bumper of pickup truck putting dent in bumper?

I don't know whether the bumper repair would be covered under Comprehensive or Collision. Would the boat trailer sliding forward on its own be considered vehicle hitting another vehicle (collision) or act of nature (comprehensive). The truck was parked & locked when this happend. The boat trailer was also unhitched, parked, and wheel chocked however high wind pushed the trailer forward knocking it off the chock stop.


    




MSAD
I would handle this as a collision loss.

The wind did not cause damage to your vehicle. Another vehicle caused the damage. Your deductible will apply.


chevypride0310
Rating
well i would think it would be comprehensive since you didn't back into the trailer, you wasn't even in the truck and the act of nature is what pushed the trailer into the truck and you also had the trailer choked, but before you call your insurance company i would try to find out how much a new bumper would be because you might can buy a new one and replace the bumper yourself without the insurance company even knowing, im sure the bumper wouldn't be much more or evne less than the deductible if you claimed it





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