This loss is covered under the physical damage section of the personal auto policy. There may be some discussion as to whether it is a collision or an other than collision loss, but most likely it falls within the collision section of the policy. A decision on whether there was a "collision" that is covered by the policy involves questions about whether an object was struck and the way in which it was struck. Most courts have held that a roadbed is an object, so that a damaging impact with it is covered as a collision loss. A majority of courts fail to require any particular degree of violence in order for an impact to be considered a collision.

The wear and tear exclusion does not apply because, as you stated, the trailer was new and was damaged in only one trip. Exclusion 2d. of the personal auto policy does exclude road damage to tires. Therefore, road damage to the tires is not covered, but road damage to the rest of the trailer is covered.