What coverage automatically includes owned trailers being towed by an insured auto in a personal auto policy?

In a personal auto policy, coverage for owned trailers being towed by an insured auto is typically covered under collision or comprehensive coverage rather than uninsured motorist coverage. Uninsured motorist coverage is designed to protect the insured from damages caused by a driver who does not carry liability insurance. It does not extend to cover physical damage to vehicles or trailers owned by the insured.

Collision coverage provides protection for damage to the insured vehicle and any trailers being towed if they are involved in an accident. Comprehensive coverage protects against non-collision-related damage to the insured vehicle and trailers, such as theft or weather damage. Therefore, either collision or comprehensive coverage is applicable, but not uninsured motorist coverage, which is specifically intended for bodily injury and property damage caused by an uninsured driver.