I was once involved in an accident while towing my boat on the F3. Only my car and trailer were damaged though. Car insured with Shannons, BMT package insured with Club Marine.
Originally wanted to claim through Shannons but was told they only cover the trailer up to $1000 but at the time had no idea how much the trailer repairs would cost (ended up being $750) so put it through Club Marine. Found out that unlike car insurers though, Club Marine slug you the excess up front and then try and claim back from the other party's insurer.
In the end Club Marine wasn't able to prove that the other party was at fault, even though Shannons could, so I couldn't get my excess back. Won't be going back to them out of principle from now on.
But I was covered when towing.
Marty