Trailer Value - insurance
I had a bit of an incident last night and now my dog trailer is considered a total loss. That being said I did not have any dogs on the trailer- Thank the Lord!
I picked up a bunch of fence at the airport near Appleton, WI and put it on the atv pad on the front, and I put two rolls on the back rack to even the weight out on the trailer. I strapped it all down very secure and went on my way the trailer seemed to be doing fine and handled nicely going down the road. when I got near Omro, WI I noticed sparks flying up behind me I thought 0-crap so I started to slow down and pull off the road and then it happend the tounge of the trailer snapped.
The trailer was fully insured and so was the truck I had approximately 450 ft 11gauge 8ft chainlink fencing on it which at about 3.5 lbs a foot equals close to 1600 lbs the trailer has a 2500 lb axle on it and the trailer is light since I put two big roles on the back then only about 4-600 lbs up in front on the tounge weight, so I dont think I overloaded the trailer tounge. All last summer I hauled my work 4 wheeler on it which is a polaris 500 - I think that is heavier than the fencing especially when I didnt have anything countering the weight on the back.
1) is the insurance company going to try to get out of it if they think I overloaded the trailer?
2) How would they determine the value of the trailer - so I can replace it, mine was home made by some guy in MT but it was 14 ft long steel frame with rhino lining, and 4 aluminum dog holes 28" by 30" by 24" tall 6" deep storage on top of boxes on both sides on front was a 52" by 72" atv pad and on the back was an 18" by 72" rack.
Thanks for any replies.