One more reason to buy trailer insurance, to include liability.
A couple of contests ago a fellow drug his trailer across the front of my Ram.
Said he was insured with the same company as we were---no problem.
We called the company on the spot---should have been easy.
It turns out that he had not insured the trailer separately and it was being pulled by a truck belonging to a relative but driven by him.
Result was that he had to pay the $400 (+) repair bill out of pocket.
Trailer insurance is cheap compared to loss or liability expenses.
JMHO
TIM