Trailers (Rule 20B) -- A trailer designed for use with a private passenger auto. Such trailer must be owned by an individual who maintains a permanent residence other than the trailer. Trailers shall be rated in accordance with Rule 28.

Note: Trailers are written only in conjunction with a motorized auto. The liability follows the motorized auto, which must also be insured through the Facility.

Rule 28. TRAILERS—PHYSICAL DAMAGE COVERAGE ONLY

Note: Trailers are written only in conjunction with a motorized auto. The liability follows the motorized auto, which must also be insured through the Facility.

A. Determine the rating territory (Rule 50).

B. Physical Damage Coverage Note: The maximum loss payable for a recreational trailer is $25,000.

1. Determine the Original Cost New and determine whether the trailer is old or new, according to the following definitions:

a. “New” means purchased new, not more than 18 months prior to the date insurance attaches.

b. “Old” means all others.

2. Refer to the Recreational Trailer Physical Damage Rates displayed in the Private Passenger Rate Section (R–13) for the statewide rates.

3. If different deductibles apply, multiply the rates determined above by the deductible factor shown in the Physical Damage Deductibles table (R–12) (deductible options are displayed in subsection C of the Availability, Policy Administration, and Service Standards Chapter.

4. Refer to the Physical Damage Deductibles table (R–12) for the no deductible limited collision additive.