Plenty of Middle Tennessee motorhome owners tow a small car behind them, often called a toad or dinghy, so they can leave the big rig at the campground and explore. Whether you flat-tow with all four wheels down, use a tow dolly, or haul a car on a trailer, the setup involves two vehicles and usually two insurance policies.

Which Policy Usually Responds?

Situation	Coverage That Often Applies
The motorhome and towed car cause a crash	Liability on the motorhome policy typically responds first, and the towed car’s policy may also come into play
The towed car is damaged in a crash while being towed	Often the towed car’s own collision coverage, though some RV policies offer towed vehicle coverage
A tow bar fails and the car breaks loose	Liability for damage to others usually starts with the motorhome policy, while damage to the car depends on its own coverage
You unhook and drive the car into town	The towed car’s auto policy applies, just like any other drive

Policy wording varies, especially for tow dollies and trailers, so confirm how yours treats each setup.

Common Questions

Does the towed car need its own insurance?

Yes. A towed car generally needs its own auto policy, since you’ll drive it separately and it may need physical damage coverage while being towed.

Is the tow equipment covered?

Tow bars, base plates, and braking systems may be treated as accessories. Ask whether your RV or auto policy covers them and at what limits.

Do I need a supplemental braking system?

Many states require brakes on towed vehicles above certain weights. Rules vary, so check requirements in each state you’ll travel through.

Before Your Next Trip

• Confirm your car can be flat-towed according to the owner’s manual
• Inspect safety cables, lights, and connections before every departure

Southern Insurance Group in Franklin, TN can review your RV insurance and auto policy together before you hit the road. RV owners across Franklin, TN and Middle Tennessee can reach out to Southern Insurance Group or browse our insurance blog.