Where is the insurance taken from when inspecting a trailer?

When inspecting a trailer, the insurance is taken from the towing vehicle. This is because, in Texas, the insurance coverage must be linked to the vehicle that is making the journey and not the trailer itself. The legal requirements specify that the insurance policy covering the towing vehicle must extend to any trailers being towed. This ensures that there is appropriate liability coverage in place in the event of an accident or damage caused while the trailer is being towed.

In contrast, looking to the trailer itself for insurance would not align with the regulations since trailers are typically covered under the policy of the towing vehicle. The owner’s personal policy might cover the trailer if explicitly stated, but this would not always be the case. The local DMV does not provide insurance; instead, it serves the purpose of registration and licensing vehicles in Texas. This highlights the importance of ensuring that the towing vehicle has the necessary liability insurance, which also validates trailer use on public roads.