I rented a U-Haul auto transport trailer. I paid an $ 8 charge to cover any damage up to $ 40,000. A U-Haul representative hooked the trailer up to my truck. I drove over 100 miles with trailer hooked up had no issues. While attempting to load a car on to the trailer the trailer coupling popped off of the ball of my truck and scratched and dented the tail gate of my truck. Employees from the Goodyear service center in Topeka that were helping me load the car and they all witnessed that the trailer was not properly hooked up and that coupling was not properly mounted to the ball. Once we finally got the trailer hooked back up and the car loaded I went directly to a U-Haul center across the street from the Goodyear service center and told them my situation. They told me that I should be covered by the insurance that I purchased and to just call and file a claim. I then immediately called and filed a claim with Republic Western Insurance, the insurance of U-Haul. The lady told me the claim would be processed and that I could go ahead and get an estimate for the damages. About a week later Paul Bosse, a claim adjuster for Republic Western Insurance, called and asked me about the incident. Now its almost two weeks later and I called Mr. Bosse back inferring about my claim and he said it was denied because he say I could have unhooked the trailer or did something to it to make it come loose, which I did not. Would I win if I took this to court? And if I won could I get U Haul to cover all of the legal fees?
Answer by iwingameover
Would you win? Maybe.
Can you prove you didn't mess with it? doubtful.
Should you have checked the trailer connection yourself before leaving Uhaul, during any fuel/break stops and before loading the car? Absolutely.
Answer by laughter_every_day
Yes you can sue to enforce the insurance contract. I do not know the terms of the contract but I assume that you do. As to the suggestion that you might have unhooked it, you seem to be asking if that is a breach and if a judge or jury would believe that you actually unhooked it. I don't know if it is a breach as I have not read the contract and I cannot guess about what a jury would believe.
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Orignal From: U-Haul hooked trailer to my truck, trailer came off and damaged my truck?
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