I don't doubt that you were told this. However, logic to me seems to indicate something different. Since the trailer in NC is tagged with a separate plate, it has its own title and registration, as in many other states. The trailer can be pulled by your vehicle or another vehicle, such as a friends. The respective towing vehicle carries the liability for the trailer being towed, whether it is your vehicle or your friend's vehicle. The same applies if you are towing a rented U-Haul trailer...it is not an accessory to your vehicle. Thus you need separate tow insurance with U-Haul. Thus, it would not seem that it could be considered an intrinsic accessory to a vehicle. But, I could be wrong. I am going to check again with my agent again tomorrow. But that was the understanding I got when I bought my cargo trailer and my motorcycle trailer.
glad this topic was brought up again for discussion.
Maybe the states are different, but in my circumstance, any trailer pulled by any of my vehicles, is covered under my vehicle policy. As long as it is attached, it has full coverage. The only thing about my vehicle policy, is that when I haul one of the show Camaros in th eenclosed trailer, it is not covered under the towing or trailer policy. It is considered a seperate motor vehicle and must have its own insurance.
My "Mini-Mate" camper trailer does not have a title. When they shipped it to me, it had a MSO and the license bureau said that was good enough for proof of ownership, so I did not have to title it. Being it had a manufactoring serial number, they licensed it off that number. I paid Texas sales tax and license fees and rode away a happy camper, with my camper!
I use State Farm on my house and all of my other vehicles, but went with Dairyland on the Wing, because they were way cheaper than State Farm. The made the first policy at $850 a year and it had the trailer covered for $3000. Then when I got to checking out why the rate was so high, they offered me a "Gold" plan that dropped the price of my insurance to less than $300 a year and upped the coverage on the trailer to $5000. I also got a refund back when they canceled the old policy and started me on the new "Gold" plan.