When I was in my accident last summer (rolled my truck while towing a flat bed car trailer that my friend rented, and his car was on it) my provider said the trailer was not covered because it was rented, no insurance was taken for it, and it was not rented by ME. That was the catch. I didn't sign the rental paper accepting all liability. My friend did. In the end, my insurance paid its damages. I don't know why. They just did.
The biggest problem I see and am wondering about.... did the trailer drag you to the ditch? Or did it come completely off, and go on its own? Not only did you (possibly) not have legal proof of ownership (the girl not giving you a title might be bad news) but you (apparently) didn't take out insurance for it. And more specifically..... if the trailer broke off and basically hurt itself, well.... how could your trucks insurance extend to a trailer that technically wasn't attached?
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