Another spin on this: Most trailers and items are covered by your car insurance if it was attached to the tow vehicle, If the police report doesn't mention attached to tow vehicle you can always say it was.
Some Insurance it doesn't matter if attached or not as long as it is the tow vehicle.
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Tis better to be quiet and thought a fool than open your mouth and prove it!!
1991 V-20 cuddy I/O 350 volvo duo prop, 1998 15ft Grumman 9.9 Johnson 
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