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Old 09-10-2010, 10:00 AM   #1
E36is
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Insurance question on transporting car.



Searched but nothing came up. I need to transport a vehicle (non-insured, non-running) from one location to another location (80km) on a flatbed. Is a temp insurance required for this or can i just call up my insurance and tell them im flatbedding a vehicle from one location to another and use my current insurance for this instance? TIA.
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Old 09-10-2010, 10:29 AM   #2
325isdan
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I don't believe you need to since many people trailer uninsured cars to the drag track all the time.
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Old 09-10-2010, 10:33 AM   #3
E36is
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to clarify, i dont own a trailer, i will be flatbedding thru a towing company.
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Old 09-10-2010, 10:48 AM   #4
hockeyfan27
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Good question!

No temp insurance is required with respect to liability.

When a vehicle is being towed, liability coverage would extend from the tow vehicle's policy for the purposes of the trip.

However, if the tow truck was in an accident, they need to have the proper endorsement on their own policy to cover the damage to your car. If the tow company does not have the proper coverage and you do not have an active policy with either specified perils or comprehensive coverage on that vehicle, then you would have to sue the tow company for the damage to your car.

Worst case scenario:
Tow truck(A) is operating un-insured. Your car(B) breaks loose and another car(C) collides with it. Owner of (C) will sue (A) & (B) for damages. Then (B) must sue (A) for legal defense costs and damages.
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