read something interesting lately - it said that if you try to pull a trailer that exceeds your vehicle's tow rating, and you are in an accident, then you insurance may not cover you. Not saying yours is too small, but check out the tow rating and then figure out how much your boat an trailer, loaded, weighs. If it's less than the tow rating then you should be fine - again, still being careful of course. I'd want to know without a doubht that I was covered by my car insurance. You can check with your agent.