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.<\/p>\n
| Situation<\/th>\n | Coverage That Often Applies<\/th>\n<\/tr>\n<\/thead>\n |
|---|---|
| The motorhome and towed car cause a crash<\/td>\n | Liability on the motorhome policy typically responds first, and the towed car’s policy may also come into play<\/td>\n<\/tr>\n |
| The towed car is damaged in a crash while being towed<\/td>\n | Often the towed car’s own collision coverage, though some RV policies offer towed vehicle coverage<\/td>\n<\/tr>\n |
| A tow bar fails and the car breaks loose<\/td>\n | Liability for damage to others usually starts with the motorhome policy, while damage to the car depends on its own coverage<\/td>\n<\/tr>\n |
| You unhook and drive the car into town<\/td>\n | The towed car’s auto policy applies, just like any other drive<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n Policy wording varies, especially for tow dollies and trailers, so confirm how yours treats each setup.<\/p>\n Common Questions<\/h2>\n |