In an accident involving a truck and borrowed utility trailer what insurance covers the trailer?

First... Most insurance company's auto's policy will cover you . The problem will come when or If the Trailer Comes Loose and hit's another person or car. If you have basic insurance you will be taken to the cleaners. Go to www.dangeroustrailers.org to see what happens. In most states these utilty trailers are homemade, do not have working tailights and they are in very bad shape. Your Insurance Agent ask's when you have a home do you have a fence around your pool? They ask you if you have a trampoline. Very few understand the risk when you hitch a trailer to your car or truck. IN Virginia IF YOU DO NOT HAVE REFLECTORS OR REFLECTOR TAPE ON THE BACK OF THE TRAILER AND YOU ARE INVOLVED IN AN ACCIDENT YOU CAN BE HELD LIABLE FOR BOTH ACCIDENTS.