Trailer Use Contract! - Page 2
   

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Trailer Use Contract!

This is a discussion on Trailer Use Contract! within the Horse Law forums, part of the Horse Resources category

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        07-30-2012, 08:03 AM
      #11
    Green Broke
    With the belongings in my house all she can do is take them. I go down to zero,,,, loaning a vehicle, can put you down to zero and way into the negative. Even if my insurance pays the claims is the person that borrowed my trailer going to pay my jacked up insurance rates for the next 7 years ? Whats going to happen when the lawyer of the person hit finds out I have a house and land ? Yeh nope, If I do something I gotta pay. But I'll be danged if I am going to risk my livelihood on someone else.
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        07-30-2012, 08:05 AM
      #12
    Green Broke
    Quote:
    Originally Posted by Saskia    
    Perhaps I have a different view, but I don't think it so bad to lend things.

    I've borrowed a trailer a few times from a friend who is always more than happy to lend it to me. In return, I make sure it's clean coming back and always buy them a box of chocolates or something.

    I've also borrowed a car and trailer from someone, also with no problems.

    It's such a luxury to be able to own a trailer and a car capable of towing it, to have those spare thousands every year is wonderful.

    One day I'll be able to buy my own, and I'll lend it to people then too.

    I get that bad things can happen and that not all people are honest but where has the whole idea of just "being nice" gone? Nobody has to share anything they have, but it sure is nice to be able to let a friend stay over when they have nowhere else, or share your dinner when they're broke, or to volunteer somewhere, or to give lifts to someone when they really need it.

    Comprehensive insurance covers your property and anyone else's property with a relatively small "claim amount" regardless of who's driving.

    I wouldn't want to lend it every weekend, and make it clear that is not the arrangement, but I think to just no lend things to anyone is a little rough.

    If you can't trust who with a trailer how do you trust her with all your belongings in your house?
    I have taken in a homeless person, I volunteer, I share mt dinners, I have given to those in need but I draw the line at lending out my expensive equipment. Now I would be more apt to haul there horse for them instead of lending out something they couldn't afford to fix. Lets say you have a 500.00 deductable and the damage is 700.00 you aren't likely going to turn it in to your insurance company.

    And some people are careless and may just scratch it up but not to where you would repaint it.
    Now if my trailer wasn't really expensive and I trusted the person borrowing it I would lend it out.
         
        07-30-2012, 08:19 AM
      #13
    Trained
    Op-if you don't have the backbone to tell the princess "NO" straight up and follow that with a hitch lock, then blame it on the insurance company. Simply tell her that your insurance will cancel you. Period. Not open for discussion, and not your "fault". You have nothing to gain from lending your trailer and everything to lose.
         
        07-30-2012, 08:53 AM
      #14
    Green Broke
    I know insurance companies differ but at least here, the trailer is covered by the insurance of the vehicle towing the trailer, liability wise. As for damage to the trailer that is probably not the same.

    However, if I didn't know or trust the person, I definitely would not loan out the trailer. If you can't trust them, I don't know if I would live with them either.

    I do like the idea of telling her you can't because the insurance company said you can't.

    There are probably businesses that rent them out around you. She could go that route instead of you renting or loaning her the trailer.
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        07-30-2012, 01:29 PM
      #15
    Trained
    Quote:
    Originally Posted by usandpets    
    I know insurance companies differ but at least here, the trailer is covered by the insurance of the vehicle towing the trailer, liability wise. As for damage to the trailer that is probably not the same.

    However, if I didn't know or trust the person, I definitely would not loan out the trailer. If you can't trust them, I don't know if I would live with them either.

    I do like the idea of telling her you can't because the insurance company said you can't.

    There are probably businesses that rent them out around you. She could go that route instead of you renting or loaning her the trailer.
    Posted via Mobile Device
    OP-you need to make it HER problem, not yours. It is your trailer, end of story. It is not your issue whether or not she has one, can rent one, whatever. If you do not take a stand, this will be just the first of MANY times she will use you. I am not one who takes being used lightly.

    THe insurance and what it covers really is not the issue. It is the liability should she hit something, or god forbid, someone. Our society is much too litigious, and I personally like my house, vehicles, belongings and my life. I will not risk someone else losing it for me via lawsuit.
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        07-30-2012, 01:32 PM
      #16
    mls
    Trained
    Quote:
    Originally Posted by churumbeque    
    Now I would be more apt to haul there horse for them instead of lending out something they couldn't afford to fix.

    Now if my trailer wasn't really expensive and I trusted the person borrowing it I would lend it out.
    Yes and yes on both counts.

    Heck, I cringe when my own husband drives my truck . . .
    franknbeans and Palomine like this.
         
        07-30-2012, 02:48 PM
      #17
    Foal
    I do agree with a lot of you in that liability can be a...you know what, but up until now I have only been able to trailer my horse when one of my kind trailer-owning friends was willing to let me use it. I always paid them for gas and $50 bucks every time I used it. I cleaned it out and always told them how much I appreciate it. I am inclined to take to heart some of what Saskia said. It may be risky, but I don't think every person that you lend something to is out to screw you over.
         
        07-30-2012, 05:51 PM
      #18
    Trained
    No, but from what you have told us, give this little chickadee an inch, and she will take 5 miles. JMHO.
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        07-31-2012, 05:05 PM
      #19
    Green Broke
    Quote:
    Originally Posted by LizzieE    
    I do agree with a lot of you in that liability can be a...you know what, but up until now I have only been able to trailer my horse when one of my kind trailer-owning friends was willing to let me use it. I always paid them for gas and $50 bucks every time I used it. I cleaned it out and always told them how much I appreciate it. I am inclined to take to heart some of what Saskia said. It may be risky, but I don't think every person that you lend something to is out to screw you over.
    Oh, I agree. The problem is the person that gets hit. Lets say your friend has minimum liability coverage of $25,000. They get involved in a multi car pile up with several personal injury's involved. The insurance only covers $25,000, so the person with several hundred thousand worth of damage is forced to sue.

    So, they sue THEIR insurance company (claiming uninsured motor vehicle), as well as the person driving, and the owner of the vehicle and the owner of the trailer.

    First thing, now you need a lawyer and he bills by the hour. You see where this is headed don't you? ASK ME HOW I KNOW.

    Luckily, I had very good insurance with $500,000 in liability and my insurance company provided the lawyer. I've sense decided to buy a million dollar umbrella policy.

    Sorry, been there, done that, wore out the tee shirt.

    I don't loan anything that moves on a public road.

    Maybe you don't own anything, and have nothing to loose, but your future. Go ahead, be nice.....hope it works out well for you. I know what happens if it doesn't .....
    franknbeans likes this.
         
        08-02-2012, 06:19 PM
      #20
    Foal
    How did she get the idea in the first place that she'd be borrowing it at all, let alone all the time?
         

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