Having the proper insurance for towing a few thousand pound vehicle without its own driver and control system is important, so, let's use this thread to discuss general insurance concerns when towing. For instance, in some states, a vehicle policy will not cover a tow vehicle (and in others, some policies might). Damage coverage and belongings coverages are usually separate policies as well. Improper use, being above weight and certain issues with the towing vehicle (eg: your Ascent) are grounds for denying all or part of a claim in most states.
- What's applicable in your state does not necessarily apply in all states (except that it is illegal to exceed the towing vehicle's tow rating - that's Federal).
- What applies on YOUR insurance policy may not apply on everyone else's, even if they live in the same state. Different carriers do different things, and even the same carrier has different types and levels of coverage.
- Don't suggest someone should break the law because you think your math is more important or because you think the Ascent can do it.