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(CaptMP) wrote in message ...
To everyone following this thread, I didn't notice any mension of the possible
legal tbl if you have an accident, maybe someone injured or killed and some
lawyer discovers that you didn't have trailer brakes even though the minivan
builder recommended them............$$$$$$$$$, and possibly your insurance
company will refuse to pay as a result of you not following that
recommendation!
Also some boat builders (BOSTON WHALER?) recommend against rollers on trailers.

You probably increase you chances of being found negligent in an
accident if you have not equipped you trailer as recommended by the
maker of the trailer or your tow vehicle. Even a fair lawyer might be
able to convince a civil case jury that you were negligent and would
have been able to stop had you taken the care to properly equip you
vehicles. Not likely a criminal problem unless you broke the laws
regarding towing (example: Dodge recommends trailer brakes over
1,000lb, but the law may only require them over 2,000.)

Your liability insurance is going to pay if you are found liable -
hence the name "liability insurance." Your vehicle collision and boat
hull coverage will probably pay too. Unless there are specific
exclusions, most insurance still pay even if the proximate cause of
the loss was stupidity on the part of the policyholder.

You might expect you coverage to be cancelled, or have premiums
skyrocket after such a loss.