An insured under the auto dealers coverage form was using one of his trucks to pull a customer's semitrailer from one lot to another when the trailer came loose and struck a car in an intersection. The liability insurance is written with coverage keyed to symbol 21, any auto, but the question we have centers around subparagraph C in Section I, Covered Autos Coverages. This subparagraph states that liability insurance applies to trailers with a load capacity of 2,000 pounds or less.

An adjuster told us that this subparagraph limits liability coverage to small trailers and there is no coverage for this semitrailer accident. What is your opinion?

South Carolina Subscriber